Summary answer: On a $100,000 household income, standard lending guidelines put your realistic purchase price around $300,000–$350,000 — well short of Ashburn's typical range ($620,000-$800,000+ depending on data source), though this budget does put you within reach of Ashburn's condo market, which starts around $350,000.
I'm Johnny with JQ Real Estate. Let me give you the honest picture of what this budget actually gets you in Ashburn.
The math, and where it points in Ashburn
| Step | Estimate |
|---|---|
| Gross monthly income ($100K/yr) | $8,333 |
| Target housing payment (28% front-end ratio) | ~$2,333/mo |
| Realistic purchase price (10% down, current rates ~6.65%) | ~$300,000–$330,000 |
| Realistic purchase price (VA loan, 0% down) | ~$350,000–$390,000 |
Why this is a genuine stretch in Ashburn specifically
Worth knowing: Ashburn's median household income runs $154,978 — well above this scenario, which explains why the local market has priced the way it has. A $100K income here is genuinely below the area's typical buyer profile, though the condo segment remains reachable.
What changes your number
- Loan type — a VA loan removes the down payment requirement, meaningfully expanding your range
- Second income — if this is a household decision, the math roughly doubles, opening up townhomes
- Down payment assistance programs — worth exploring given the gap to Ashburn's median
Get your actual number
Reach out and I'll connect you with a lender for a real pre-approval and help you figure out which Ashburn neighborhoods actually fit your budget.
For more Ashburn buyer and seller questions, visit our Ashburn real estate hub.