Chesterfield County, Virginia loan limits 2026
FIPS 51041 · 14 ZIP codes, e.g. 23112, 23113, 23114, 23120, 23234, 23235 · metro area (CBSA) 40060
In Chesterfield County the 2026 conforming loan limit is $832,750 for a single-family home — the national baseline. The FHA limit is $707,250. Anything above $832,750 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 Chesterfield County, 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) | $832,750 | $707,250 | +3.3% |
| 2 units | $1,066,250 | $905,400 | +3.3% |
| 3 units | $1,288,800 | $1,094,450 | +3.3% |
| 4 units | $1,601,750 | $1,360,100 | +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. Chesterfield County is in metro area CBSA 40060; all its counties share the same limit.
HUD income limits FY2026
Area median family income: $113,500 · Richmond, VA HUD Metro FMR Area
| Household size | 1 | 2 | 3 | 4 | 5 | 6 | 7 | 8 |
|---|---|---|---|---|---|---|---|---|
| Low income (80%) | $63,600 | $72,650 | $81,750 | $90,800 | $98,100 | $105,350 | $112,600 | $119,900 |
| Very low income (50%) | $39,750 | $45,400 | $51,100 | $56,750 | $61,300 | $65,850 | $70,400 | $74,950 |
| Extremely low income (30%) | $23,850 | $27,250 | $30,650 | $34,050 | $38,680 | $44,360 | $50,040 | $55,720 |
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 | $1,456/mo | $1,442 | +1% |
| 1 bedroom | $1,517/mo | $1,507 | +0.7% |
| 2 bedrooms | $1,651/mo | $1,655 | -0.2% |
| 3 bedrooms | $2,039/mo | $2,072 | -1.6% |
| 4 bedrooms | $2,499/mo | $2,553 | -2.1% |
HUD's fair market rent: the 40th-percentile gross rent (rent plus utilities) for standard units, used for Housing Choice Vouchers. Area: Richmond, VA HUD Metro FMR Area.
Same metro area
Counties in CBSA 40060 share the same loan limits.
Other counties in Virginia
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 Chesterfield County, VA for 2026?
$832,750 for a one-unit property ($1,066,250 for 2 units, $1,288,800 for 3, $1,601,750 for 4), set by the FHFA; it was $806,500 in 2025.
What is the FHA loan limit in Chesterfield County?
$707,250 for a single-family home in 2026 (HUD), up to $1,360,100 for a four-unit property.
What counts as a jumbo loan in Chesterfield County?
A mortgage above $832,750 for a single-family home is a jumbo (non-conforming) loan in Chesterfield County in 2026.
What are the HUD income limits in Chesterfield County?
For a family of four (FY2026): low income $90,800, very low income $56,750, extremely low income $34,050; area median family income $113,500.
What is the fair market rent in Chesterfield County?
$1,651 a month for a two-bedroom unit in FY2027 (HUD), $1,517 for one bedroom.