Nelson County, Virginia loan limits 2026
FIPS 51125 · 12 ZIP codes, e.g. 22920, 22922, 22938, 22949, 22958, 22964 · metro area (CBSA) 16820
In Nelson County the 2026 conforming loan limit is $832,750 for a single-family home — the national baseline. The FHA limit is $598,000. 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 Nelson 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 | $598,000 | +3.3% |
| 2 units | $1,066,250 | $765,550 | +3.3% |
| 3 units | $1,288,800 | $925,350 | +3.3% |
| 4 units | $1,601,750 | $1,150,000 | +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. Nelson County is in metro area CBSA 16820; all its counties share the same limit.
HUD income limits FY2026
Area median family income: $139,800 · Charlottesville, VA MSA
| Household size | 1 | 2 | 3 | 4 | 5 | 6 | 7 | 8 |
|---|---|---|---|---|---|---|---|---|
| Low income (80%) | $74,800 | $85,450 | $96,150 | $106,800 | $115,350 | $123,900 | $132,450 | $141,000 |
| Very low income (50%) | $48,450 | $55,350 | $62,250 | $69,150 | $74,700 | $80,250 | $85,750 | $91,300 |
| Extremely low income (30%) | $29,050 | $33,200 | $37,350 | $41,500 | $44,850 | $48,150 | $51,500 | $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 | $1,279/mo | $1,421 | -10% |
| 1 bedroom | $1,442/mo | $1,602 | -10% |
| 2 bedrooms | $1,642/mo | $1,824 | -10% |
| 3 bedrooms | $1,997/mo | $2,218 | -10% |
| 4 bedrooms | $2,458/mo | $2,731 | -10% |
HUD's fair market rent: the 40th-percentile gross rent (rent plus utilities) for standard units, used for Housing Choice Vouchers. Area: Charlottesville, VA MSA.
Same metro area
Counties in CBSA 16820 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 Nelson 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 Nelson County?
$598,000 for a single-family home in 2026 (HUD), up to $1,150,000 for a four-unit property.
What counts as a jumbo loan in Nelson County?
A mortgage above $832,750 for a single-family home is a jumbo (non-conforming) loan in Nelson County in 2026.
What are the HUD income limits in Nelson County?
For a family of four (FY2026): low income $106,800, very low income $69,150, extremely low income $41,500; area median family income $139,800.
What is the fair market rent in Nelson County?
$1,642 a month for a two-bedroom unit in FY2027 (HUD), $1,442 for one bedroom.