Essex County, Virginia loan limits 2026
FIPS 51057 · 8 ZIP codes, e.g. 22436, 22438, 22454, 22476, 22504, 22509
In Essex County the 2026 conforming loan limit is $832,750 for a single-family home — the national baseline. The FHA limit is $541,287. 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 Essex 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 | $541,287 | +3.3% |
| 2 units | $1,066,250 | $693,050 | +3.3% |
| 3 units | $1,288,800 | $837,700 | +3.3% |
| 4 units | $1,601,750 | $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: $87,800 · Essex County, VA
| Household size | 1 | 2 | 3 | 4 | 5 | 6 | 7 | 8 |
|---|---|---|---|---|---|---|---|---|
| Low income (80%) | $48,550 | $55,500 | $62,450 | $69,350 | $74,900 | $80,450 | $86,000 | $91,550 |
| Very low income (50%) | $30,350 | $34,700 | $39,050 | $43,350 | $46,850 | $50,300 | $53,800 | $57,250 |
| Extremely low income (30%) | $18,200 | $21,640 | $27,320 | $33,000 | $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 | $936/mo | $907 | +3.2% |
| 1 bedroom | $942/mo | $912 | +3.3% |
| 2 bedrooms | $1,155/mo | $1,113 | +3.8% |
| 3 bedrooms | $1,396/mo | $1,341 | +4.1% |
| 4 bedrooms | $1,653/mo | $1,556 | +6.2% |
HUD's fair market rent: the 40th-percentile gross rent (rent plus utilities) for standard units, used for Housing Choice Vouchers. Area: Essex County, VA.
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 Essex 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 Essex County?
$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 Essex County?
A mortgage above $832,750 for a single-family home is a jumbo (non-conforming) loan in Essex County in 2026.
What are the HUD income limits in Essex County?
For a family of four (FY2026): low income $69,350, very low income $43,350, extremely low income $33,000; area median family income $87,800.
What is the fair market rent in Essex County?
$1,155 a month for a two-bedroom unit in FY2027 (HUD), $942 for one bedroom.