When the folks at Zillow did their analysis, they found that “Almost 21 million Americans, or 29.3 percent of homeowners, own their homes outright.”

Unfortunately, only one Virginia-area city was mentioned specifically in the report, and that was for having a low number of mortgage-free homeowners: Washington, D.C., with the lowest percentage in the country at 15.5 percent.

A number of elements influence the percentage of free-and-clear homeowners in a given area, including median home values. Zillow found that areas with lower home values generally have higher outright homeownership rates, as smaller loan amounts are easier to pay back more quickly.

Read more about it.