St. Croix Island, U.S. Virgin Islands loan limits 2026
In St. Croix Island the 2026 conforming loan limit is $1,249,125 for a single-family home — a high-cost area, 50% above the national baseline. The FHA limit is $541,287. Anything above $1,249,125 is a jumbo loan.
Does my loan fit?
How much home fits under the limit?
The highest home price you can buy with a loan that still fits the 2026 limit, at that down payment. Your actual budget depends on income, debts, rates and the lender.
Conforming limit in St. Croix Island, 2024–2026
Single-family limit set by the FHFA each year. The 2027 limits are announced in late November 2026 — this page updates automatically.
Loan limits by number of units
| Property | Conforming 2026 | FHA 2026 | Conforming vs. 2025 |
|---|---|---|---|
| 1 unit (single-family) | $1,249,125 | $541,287 | +3.3% |
| 2 units | $1,599,375 | $693,050 | +3.3% |
| 3 units | $1,933,200 | $837,700 | +3.3% |
| 4 units | $2,402,625 | $1,041,125 | +3.3% |
Conforming limits (FHFA) apply to loans bought by Fannie Mae and Freddie Mac; VA loans with partial entitlement use the same county limit. FHA limits (HUD) cap FHA-insured mortgages.
HUD income limits FY2026
Area median family income: $66,600 · St. Croix Island, VI
| Household size | 1 | 2 | 3 | 4 | 5 | 6 | 7 | 8 |
|---|---|---|---|---|---|---|---|---|
| Low income (80%) | $43,050 | $49,200 | $55,350 | $61,450 | $66,400 | $71,300 | $76,200 | $81,150 |
| Very low income (50%) | $26,900 | $30,750 | $34,600 | $38,400 | $41,500 | $44,600 | $47,650 | $50,700 |
| Extremely low income (30%) | $16,150 | $18,450 | $20,750 | $23,050 | $24,900 | $26,750 | $28,600 | $30,450 |
Used for housing assistance and many down-payment and first-time-buyer programs. Programs set their own rules; check the program you apply to.
Fair market rent FY2027
| Unit | Fair market rent FY2027 | FY2026 | Change |
|---|---|---|---|
| Studio | $1,029/mo | $1,002 | +2.7% |
| 1 bedroom | $1,035/mo | $1,023 | +1.2% |
| 2 bedrooms | $1,237/mo | $1,249 | -1% |
| 3 bedrooms | $1,497/mo | $1,504 | -0.5% |
| 4 bedrooms | $1,626/mo | $1,656 | -1.8% |
HUD's fair market rent: the 40th-percentile gross rent (rent plus utilities) for standard units, used for Housing Choice Vouchers. Area: St. Croix Island, VI.
Other counties in U.S. Virgin Islands
Highest limits first.
Official figures, not a loan offer. Limits come from FHFA and HUD publications. Loanlimitmap.com is an independent site — not a government website and not a lender. Whether you qualify for a loan is decided by your lender; check the current figures with them.
Questions
What is the conforming loan limit in St. Croix Island, VI for 2026?
$1,249,125 for a one-unit property ($1,599,375 for 2 units, $1,933,200 for 3, $2,402,625 for 4), set by the FHFA; it was $1,209,750 in 2025.
What is the FHA loan limit in St. Croix Island?
$541,287 for a single-family home in 2026 (HUD), up to $1,041,125 for a four-unit property.
What counts as a jumbo loan in St. Croix Island?
A mortgage above $1,249,125 for a single-family home is a jumbo (non-conforming) loan in St. Croix Island in 2026.
What are the HUD income limits in St. Croix Island?
For a family of four (FY2026): low income $61,450, very low income $38,400, extremely low income $23,050; area median family income $66,600.
What is the fair market rent in St. Croix Island?
$1,237 a month for a two-bedroom unit in FY2027 (HUD), $1,035 for one bedroom.