Homes under $400K in Virginia
Under $400K is the entry point to Northern Virginia. Your best value is in outer Loudoun and Prince William — condos and some townhomes — plus condos closer in that trade space for a shorter commute.
Live Bright MLS results, already filtered · add beds, baths & type
At this price, moving quickly and being pre-approved matters: well-priced inventory goes fast, and a clean, ready offer wins.
- Where it lands in Northern Virginia: Manassas, Woodbridge, Dumfries, Sterling, Leesburg (condos), and condos inside the Beltway
- Property types: Condos and select townhomes
- What to expect: Expect mostly condos and older townhomes; HOA/condo fees matter to your monthly cost here.
Browse by budget
Not sure what you can afford?
Run the affordability calculatorBeyond Northern Virginia — same budget, statewide
Raoul Shah is licensed across the Commonwealth. Every link opens live Bright MLS listings under $400K in that market:
Frequently asked
What can I buy for under $400K in Northern Virginia?
Expect mostly condos and older townhomes; HOA/condo fees matter to your monthly cost here. Typically that means condos and select townhomes in areas like Manassas, Woodbridge, Dumfries, Sterling, Leesburg (condos), and condos inside the Beltway. The exact mix shifts with the market — search the live Bright MLS listings to see what's on the market right now.
What’s the monthly payment on a $400K home?
At $400K with 10% down at 6.5% over 30 years, the estimated total payment is about $2,815/month including taxes, insurance, and PMI. Your actual payment depends on your rate, down payment, HOA, and loan program.
Should I look at new construction under $400K?
Often yes — builder incentives (closing-cost credits, rate buydowns) can make a new home’s true monthly cost competitive with resale. Always verify current incentives directly with the builder, and compare the real numbers side by side.
Do you cover Virginia markets outside Northern Virginia?
Yes. Raoul Shah is licensed across the Commonwealth, and the live Bright MLS search covers markets from Richmond and Fredericksburg to Hampton Roads, Charlottesville and Winchester. The area guidance on this page goes deepest on Northern Virginia — for any other Virginia market, use the live links or text what you’re looking for.
See what’s available under $400K
Search live Bright MLS listings under $400K, then text Raoul about any home — he represents you through the offer and closing, and replies personally, usually within minutes.
Or add beds, baths and property type first
Raoul Shah · Virginia REALTOR® · Real Broker LLC · Virginia DPOR License 0225274910 · Equal Housing Opportunity
Price ranges are illustrative and not a guarantee of available inventory. Monthly estimates are informational only, not a loan approval.
The listing information on this page comes through an Internet Data Exchange (IDX) program: real estate brokerages that participate in IDX agree to share their listings for display on each other's websites. Bright MLS is the source of this listing information. This website is operated by Raoul Shah, a Virginia-licensed real estate salesperson with Real Broker, LLC, and is not a multiple listing service — it does not provide direct access to any MLS.
Property information is provided for consumers' personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Some properties which appear for sale on this website may no longer be available — for example, they may be under contract, sold, or no longer offered for sale. Property information displayed is deemed reliable but is not guaranteed.
©2026 Bright, All Rights Reserved.
Listing brokers and agents: to report inaccurate information that VirginiaBuyer has added about a specific property (beyond the listing data itself), contact Raoul Shah at raoulshah@heyleo.com or (703) 570-1074; verified inaccuracies will be corrected or removed.
Raoul Shah · Virginia Real Estate Agent (Virginia DPOR License 0225274910, Commonwealth of Virginia) · Real Broker, LLC · Equal Housing Opportunity.