King and Queen County, Virginia loan limits 2026
FIPS 51097 · 11 ZIP codes, e.g. 22437, 23023, 23085, 23091, 23108, 23110 · metro area (CBSA) 40060
In King and Queen 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 King and Queen 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. King and Queen County is in metro area CBSA 40060; all its counties share the same limit.
HUD income limits FY2026
Area median family income: $90,700 · King and Queen County, VA HUD Metro FMR Area
| Household size | 1 | 2 | 3 | 4 | 5 | 6 | 7 | 8 |
|---|---|---|---|---|---|---|---|---|
| Low income (80%) | $50,800 | $58,050 | $65,300 | $72,550 | $78,400 | $84,200 | $90,000 | $95,800 |
| Very low income (50%) | $31,750 | $36,300 | $40,850 | $45,350 | $49,000 | $52,650 | $56,250 | $59,900 |
| Extremely low income (30%) | $19,050 | $21,800 | $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 | $1,032/mo | $1,089 | -5.2% |
| 1 bedroom | $1,075/mo | $1,139 | -5.6% |
| 2 bedrooms | $1,170/mo | $1,250 | -6.4% |
| 3 bedrooms | $1,435/mo | $1,536 | -6.6% |
| 4 bedrooms | $1,771/mo | $1,929 | -8.2% |
HUD's fair market rent: the 40th-percentile gross rent (rent plus utilities) for standard units, used for Housing Choice Vouchers. Area: King and Queen County, 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 King and Queen 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 King and Queen 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 King and Queen County?
A mortgage above $832,750 for a single-family home is a jumbo (non-conforming) loan in King and Queen County in 2026.
What are the HUD income limits in King and Queen County?
For a family of four (FY2026): low income $72,550, very low income $45,350, extremely low income $33,000; area median family income $90,700.
What is the fair market rent in King and Queen County?
$1,170 a month for a two-bedroom unit in FY2027 (HUD), $1,075 for one bedroom.