Limits for 2026 · updated 2026-10-29
Virginia loan limits 2026
18 of 133 counties in Virginia are high-cost areas with a conforming limit above the $832,750 baseline — the highest is $1,249,125 in 17 counties, including Arlington County, Clarke County, Fairfax County. Click a county for FHA limits, income limits and rents.
Conforming loan limit by county
Baseline ($832,750) 11525%+ above 1High-cost ceiling ($1,249,125) 17
All counties
| Alexandria City | $1,249,125 | +3.3% | $1,249,125 | $1,198,000 | $2,438 |
| Arlington County | $1,249,125 | +3.3% | $1,249,125 | $1,198,000 | $2,438 |
| Clarke County | $1,249,125 | +3.3% | $1,249,125 | $1,198,000 | $2,438 |
| Culpeper County | $1,249,125 | +3.3% | $1,249,125 | $1,198,000 | $1,596 |
| Fairfax City | $1,249,125 | +3.3% | $1,249,125 | $1,198,000 | $2,438 |
| Fairfax County | $1,249,125 | +3.3% | $1,249,125 | $1,198,000 | $2,438 |
| Falls Church City | $1,249,125 | +3.3% | $1,249,125 | $1,198,000 | $2,438 |
| Fauquier County | $1,249,125 | +3.3% | $1,249,125 | $1,198,000 | $2,438 |
| Fredericksburg City | $1,249,125 | +3.3% | $1,249,125 | $1,198,000 | $2,438 |
| Loudoun County | $1,249,125 | +3.3% | $1,249,125 | $1,198,000 | $2,438 |
| Manassas City | $1,249,125 | +3.3% | $1,249,125 | $1,198,000 | $2,438 |
| Manassas Park City | $1,249,125 | +3.3% | $1,249,125 | $1,198,000 | $2,438 |
| Prince William County | $1,249,125 | +3.3% | $1,249,125 | $1,198,000 | $2,438 |
| Rappahannock County | $1,249,125 | +3.3% | $1,249,125 | $1,198,000 | $1,555 |
| Spotsylvania County | $1,249,125 | +3.3% | $1,249,125 | $1,198,000 | $2,438 |
| Stafford County | $1,249,125 | +3.3% | $1,249,125 | $1,198,000 | $2,438 |
| Warren County | $1,249,125 | +3.3% | $1,249,125 | $1,198,000 | $1,449 |
| Madison County | $1,209,750 | 0% | $541,287 | $325,000 | $1,133 |
| Accomack County | $832,750 | +3.3% | $541,287 | $120,000 | $1,110 |
| Albemarle County | $832,750 | +3.3% | $598,000 | $520,000 | $1,642 |
| Alleghany County | $832,750 | +3.3% | $541,287 | $125,000 | $943 |
| Amelia County | $832,750 | +3.3% | $707,250 | $615,000 | $1,651 |
| Amherst County | $832,750 | +3.3% | $541,287 | $311,000 | $1,117 |
| Appomattox County | $832,750 | +3.3% | $541,287 | $311,000 | $1,117 |
| Augusta County | $832,750 | +3.3% | $541,287 | $333,000 | $1,199 |
| Bath County | $832,750 | +3.3% | $541,287 | $140,000 | $1,010 |
| Bedford County | $832,750 | +3.3% | $541,287 | $311,000 | $1,117 |
| Bland County | $832,750 | +3.3% | $541,287 | $105,000 | $943 |
| Botetourt County | $832,750 | +3.3% | $541,287 | $315,000 | $1,464 |
| Bristol City | $832,750 | +3.3% | $541,287 | $254,000 | $1,091 |
| Brunswick County | $832,750 | +3.3% | $541,287 | $230,000 | $943 |
| Buchanan County | $832,750 | +3.3% | $541,287 | $70,000 | $943 |
| Buckingham County | $832,750 | +3.3% | $541,287 | $261,000 | $943 |
| Buena Vista City | $832,750 | +3.3% | $541,287 | $178,000 | $1,057 |
| Campbell County | $832,750 | +3.3% | $541,287 | $311,000 | $1,117 |
| Caroline County | $832,750 | +3.3% | $541,287 | $340,000 | $1,244 |
| Carroll County | $832,750 | +3.3% | $541,287 | $200,000 | $943 |
| Charles City County | $832,750 | +3.3% | $707,250 | $615,000 | $1,651 |
| Charlotte County | $832,750 | +3.3% | $541,287 | $108,000 | $943 |
| Charlottesville City | $832,750 | +3.3% | $598,000 | $520,000 | $1,642 |
| Chesapeake City | $832,750 | +3.3% | $757,850 | $630,000 | $1,667 |
| Chesterfield County | $832,750 | +3.3% | $707,250 | $615,000 | $1,651 |
| Colonial Heights City | $832,750 | +3.3% | $707,250 | $615,000 | $1,651 |
| Covington City | $832,750 | +3.3% | $541,287 | $73,000 | $943 |
| Craig County | $832,750 | +3.3% | $541,287 | $315,000 | $1,464 |
| Cumberland County | $832,750 | +3.3% | $541,287 | $300,000 | $1,046 |
| Danville City | $832,750 | +3.3% | $541,287 | $119,000 | $943 |
| Dickenson County | $832,750 | +3.3% | $541,287 | $55,000 | $943 |
| Dinwiddie County | $832,750 | +3.3% | $707,250 | $615,000 | $1,651 |
| Emporia City | $832,750 | +3.3% | $541,287 | $179,000 | $1,018 |
| Essex County | $832,750 | +3.3% | $541,287 | $290,000 | $1,155 |
| Floyd County | $832,750 | +3.3% | $541,287 | $345,000 | $1,090 |
| Fluvanna County | $832,750 | +3.3% | $598,000 | $520,000 | $1,642 |
| Franklin City | $832,750 | +3.3% | $541,287 | $255,000 | $1,032 |
| Franklin County | $832,750 | +3.3% | $541,287 | $315,000 | $1,080 |
| Frederick County | $832,750 | +3.3% | $541,287 | $420,000 | $1,505 |
| Galax City | $832,750 | +3.3% | $541,287 | $173,000 | $943 |
| Giles County | $832,750 | +3.3% | $541,287 | $345,000 | $999 |
| Gloucester County | $832,750 | +3.3% | $757,850 | $630,000 | $1,667 |
| Goochland County | $832,750 | +3.3% | $707,250 | $615,000 | $1,651 |
| Grayson County | $832,750 | +3.3% | $541,287 | $150,000 | $943 |
| Greene County | $832,750 | +3.3% | $598,000 | $520,000 | $1,642 |
| Greensville County | $832,750 | +3.3% | $541,287 | $217,000 | $1,018 |
| Halifax County | $832,750 | +3.3% | $541,287 | $96,000 | $943 |
| Hampton City | $832,750 | +3.3% | $757,850 | $630,000 | $1,667 |
| Hanover County | $832,750 | +3.3% | $707,250 | $615,000 | $1,651 |
| Harrisonburg City | $832,750 | +3.3% | $541,287 | $350,000 | $1,264 |
| Henrico County | $832,750 | +3.3% | $707,250 | $615,000 | $1,651 |
| Henry County | $832,750 | +3.3% | $541,287 | $120,000 | $943 |
| Highland County | $832,750 | +3.3% | $541,287 | $150,000 | $943 |
| Hopewell City | $832,750 | +3.3% | $707,250 | $615,000 | $1,651 |
| Isle of Wight County | $832,750 | +3.3% | $757,850 | $630,000 | $1,667 |
| James City County | $832,750 | +3.3% | $757,850 | $630,000 | $1,667 |
| King and Queen County | $832,750 | +3.3% | $707,250 | $615,000 | $1,170 |
| King George County | $832,750 | +3.3% | $541,287 | $435,000 | $1,520 |
| King William County | $832,750 | +3.3% | $707,250 | $615,000 | $1,651 |
| Lancaster County | $832,750 | +3.3% | $541,287 | $228,000 | $1,091 |
| Lee County | $832,750 | +3.3% | $541,287 | $78,000 | $943 |
| Lexington City | $832,750 | +3.3% | $541,287 | $349,000 | $1,057 |
| Louisa County | $832,750 | +3.3% | $541,287 | $375,000 | $1,291 |
| Lunenburg County | $832,750 | +3.3% | $541,287 | $100,000 | $943 |
| Lynchburg City | $832,750 | +3.3% | $541,287 | $311,000 | $1,117 |
| Martinsville City | $832,750 | +3.3% | $541,287 | $120,000 | $943 |
| Mathews County | $832,750 | +3.3% | $757,850 | $630,000 | $1,667 |
| Mecklenburg County | $832,750 | +3.3% | $541,287 | $140,000 | $960 |
| Middlesex County | $832,750 | +3.3% | $541,287 | $365,000 | $1,259 |
| Montgomery County | $832,750 | +3.3% | $541,287 | $345,000 | $1,340 |
| Nelson County | $832,750 | +3.3% | $598,000 | $520,000 | $1,642 |
| New Kent County | $832,750 | +3.3% | $707,250 | $615,000 | $1,651 |
| Newport News City | $832,750 | +3.3% | $757,850 | $630,000 | $1,667 |
| Norfolk City | $832,750 | +3.3% | $757,850 | $630,000 | $1,667 |
| Northampton County | $832,750 | +3.3% | $541,287 | $214,000 | $992 |
| Northumberland County | $832,750 | +3.3% | $541,287 | $270,000 | $1,382 |
| Norton City | $832,750 | +3.3% | $541,287 | $129,000 | $943 |
| Nottoway County | $832,750 | +3.3% | $541,287 | $165,000 | $1,026 |
| Orange County | $832,750 | +3.3% | $541,287 | $390,000 | $1,262 |
| Page County | $832,750 | +3.3% | $541,287 | $262,000 | $953 |
| Patrick County | $832,750 | +3.3% | $541,287 | $183,000 | $943 |
| Petersburg City | $832,750 | +3.3% | $707,250 | $615,000 | $1,651 |
| Pittsylvania County | $832,750 | +3.3% | $541,287 | $119,000 | $943 |
| Poquoson City | $832,750 | +3.3% | $757,850 | $630,000 | $1,667 |
| Portsmouth City | $832,750 | +3.3% | $757,850 | $630,000 | $1,667 |
| Powhatan County | $832,750 | +3.3% | $707,250 | $615,000 | $1,651 |
| Prince Edward County | $832,750 | +3.3% | $541,287 | $215,000 | $1,126 |
| Prince George County | $832,750 | +3.3% | $707,250 | $615,000 | $1,651 |
| Pulaski County | $832,750 | +3.3% | $541,287 | $345,000 | $952 |
| Radford City | $832,750 | +3.3% | $541,287 | $345,000 | $1,340 |
| Richmond City | $832,750 | +3.3% | $707,250 | $615,000 | $1,651 |
| Richmond County | $832,750 | +3.3% | $541,287 | $215,000 | $1,187 |
| Roanoke City | $832,750 | +3.3% | $541,287 | $315,000 | $1,464 |
| Roanoke County | $832,750 | +3.3% | $541,287 | $315,000 | $1,464 |
| Rockbridge County | $832,750 | +3.3% | $541,287 | $326,000 | $1,057 |
| Rockingham County | $832,750 | +3.3% | $541,287 | $350,000 | $1,264 |
| Russell County | $832,750 | +3.3% | $541,287 | $97,000 | $943 |
| Salem City | $832,750 | +3.3% | $541,287 | $315,000 | $1,464 |
| Scott County | $832,750 | +3.3% | $541,287 | $254,000 | $1,091 |
| Shenandoah County | $832,750 | +3.3% | $541,287 | $289,000 | $1,172 |
| Smyth County | $832,750 | +3.3% | $541,287 | $140,000 | $943 |
| Southampton County | $832,750 | +3.3% | $541,287 | $285,000 | $1,032 |
| Staunton City | $832,750 | +3.3% | $541,287 | $333,000 | $1,199 |
| Suffolk City | $832,750 | +3.3% | $757,850 | $630,000 | $1,667 |
| Surry County | $832,750 | +3.3% | $757,850 | $630,000 | $1,064 |
| Sussex County | $832,750 | +3.3% | $707,250 | $615,000 | $1,651 |
| Tazewell County | $832,750 | +3.3% | $541,287 | $125,000 | $943 |
| Virginia Beach City | $832,750 | +3.3% | $757,850 | $630,000 | $1,667 |
| Washington County | $832,750 | +3.3% | $541,287 | $254,000 | $1,091 |
| Waynesboro City | $832,750 | +3.3% | $541,287 | $333,000 | $1,199 |
| Westmoreland County | $832,750 | +3.3% | $541,287 | $275,000 | $1,245 |
| Williamsburg City | $832,750 | +3.3% | $757,850 | $630,000 | $1,667 |
| Winchester City | $832,750 | +3.3% | $541,287 | $420,000 | $1,505 |
| Wise County | $832,750 | +3.3% | $541,287 | $80,000 | $943 |
| Wythe County | $832,750 | +3.3% | $541,287 | $195,000 | $943 |
| York County | $832,750 | +3.3% | $757,850 | $630,000 | $1,667 |
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 Virginia for 2026?
$832,750 in most counties; 18 high-cost counties have higher limits, up to $1,249,125 in Arlington County.
What is the FHA loan limit in Virginia?
From $541,287 to $1,249,125 for a single-family home in 2026, depending on the county.