St. Thomas Island, U.S. Virgin Islands loan limits 2026
In St. Thomas 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 $677,350. 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. Thomas 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 | $677,350 | +3.3% |
| 2 units | $1,599,375 | $867,150 | +3.3% |
| 3 units | $1,933,200 | $1,048,150 | +3.3% |
| 4 units | $2,402,625 | $1,302,600 | +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: $69,600 · St. Thomas Island, VI
| Household size | 1 | 2 | 3 | 4 | 5 | 6 | 7 | 8 |
|---|---|---|---|---|---|---|---|---|
| Low income (80%) | $49,400 | $56,450 | $63,550 | $70,550 | $76,200 | $81,850 | $87,500 | $93,150 |
| Very low income (50%) | $30,900 | $35,300 | $39,700 | $44,100 | $47,650 | $51,200 | $54,700 | $58,250 |
| Extremely low income (30%) | $18,550 | $21,200 | $23,850 | $26,450 | $28,600 | $30,700 | $32,800 | $34,950 |
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 | $1,054/mo | $1,024 | +2.9% |
| 1 bedroom | $1,223/mo | $1,189 | +2.9% |
| 2 bedrooms | $1,509/mo | $1,467 | +2.9% |
| 3 bedrooms | $1,809/mo | $1,759 | +2.8% |
| 4 bedrooms | $1,983/mo | $1,942 | +2.1% |
HUD's fair market rent: the 40th-percentile gross rent (rent plus utilities) for standard units, used for Housing Choice Vouchers. Area: St. Thomas 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. Thomas 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. Thomas Island?
$677,350 for a single-family home in 2026 (HUD), up to $1,302,600 for a four-unit property.
What counts as a jumbo loan in St. Thomas Island?
A mortgage above $1,249,125 for a single-family home is a jumbo (non-conforming) loan in St. Thomas Island in 2026.
What are the HUD income limits in St. Thomas Island?
For a family of four (FY2026): low income $70,550, very low income $44,100, extremely low income $26,450; area median family income $69,600.
What is the fair market rent in St. Thomas Island?
$1,509 a month for a two-bedroom unit in FY2027 (HUD), $1,223 for one bedroom.