Summary answer: On a $100,000 household income, standard lending guidelines put your realistic purchase price around $300,000–$350,000 — well below West Falls Church's own median, which recent readings put at $706,000-$755,000. Honestly, this is a genuine stretch here, and you'd want to look at condo inventory or a nearby, more accessible ZIP code.
I'm Johnny with JQ Real Estate. Let me give you the honest picture of what this budget actually gets you in West Falls Church.
The math, and why it's a real gap here
| 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 doesn't quite reach West Falls Church's price floor
Worth knowing: West Falls Church carries a genuinely high price-to-income ratio, well above the Virginia average, driven partly by its direct Metro access and proximity to DC. Nearby ZIP codes like 22041 (Seven Corners/Willston, $450,000-$600,000) offer a more realistic entry point at this income level.
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
Get your actual number
Reach out and I'll connect you with a lender for a real pre-approval and help you figure out whether West Falls Church or a nearby, more accessible area fits your budget better.
For more West Falls Church buyer and seller questions, visit our West Falls Church real estate hub.