U.S. Virgin Islands loan limits 2026
3 of 3 counties in U.S. Virgin Islands are high-cost areas with a conforming limit above the $832,750 baseline — the highest is $1,249,125 in 3 counties, including St. John Island, St. Thomas Island, St. Croix Island. Click a county for FHA limits, income limits and rents.
Conforming loan limit by county
All counties
| St. Croix Island | $1,249,125 | +3.3% | $541,287 | $408,000 | $1,237 |
| St. John Island | $1,249,125 | +3.3% | $1,121,250 | $975,000 | $2,025 |
| St. Thomas Island | $1,249,125 | +3.3% | $677,350 | $589,000 | $1,509 |
Click a column to sort. 2-BR rent = HUD fair market rent FY2027.
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 U.S. Virgin Islands for 2026?
$832,750 in most counties; 3 high-cost counties have higher limits, up to $1,249,125 in St. Croix Island.
What is the FHA loan limit in U.S. Virgin Islands?
From $541,287 to $1,121,250 for a single-family home in 2026, depending on the county.