Virginia loan limits 2026 by county
In 2026, 18 of the 133 counties in Virginia have a conforming loan limit above the $832,750 national baseline; the highest is $1,249,125 for a one-unit home in 17 counties. FHA limits run from $541,287 to $1,249,125: 54 counties are above the $541,287 national floor. VA has no limit for a veteran with full entitlement; with remaining entitlement it uses the county's conforming one-unit limit.
$1,249,125
Highest conforming limit, 1 unit (2026)
18 of 133
Counties above the $832,750 baseline
$1,249,125
Highest FHA limit, 1 unit (2026)
54 of 133
Counties above the $541,287 FHA floor
FHA and conforming loan limits for every Virginia county
| County | Conforming 2026 | FHA 2026 | FHA area |
|---|---|---|---|
| Accomack County | $832,750 | $541,287 | Non-Metro |
| Albemarle County | $832,750 | $598,000 | Charlottesville, VA |
| Alexandria city | $1,249,125 | $1,249,125 | Washington-Arlington-Alexandria, DC-VA-MD-WV |
| Alleghany County | $832,750 | $541,287 | Non-Metro |
| Amelia County | $832,750 | $707,250 | Richmond, VA |
| Amherst County | $832,750 | $541,287 | Lynchburg, VA |
| Appomattox County | $832,750 | $541,287 | Lynchburg, VA |
| Arlington County | $1,249,125 | $1,249,125 | Washington-Arlington-Alexandria, DC-VA-MD-WV |
| Augusta County | $832,750 | $541,287 | Staunton-Stuarts Draft, VA |
| Bath County | $832,750 | $541,287 | Non-Metro |
| Bedford County | $832,750 | $541,287 | Lynchburg, VA |
| Bland County | $832,750 | $541,287 | Non-Metro |
| Botetourt County | $832,750 | $541,287 | Roanoke, VA |
| Bristol city | $832,750 | $541,287 | Kingsport-Bristol, TN-VA |
| Brunswick County | $832,750 | $541,287 | Non-Metro |
| Buchanan County | $832,750 | $541,287 | Non-Metro |
| Buckingham County | $832,750 | $541,287 | Non-Metro |
| Buena Vista city | $832,750 | $541,287 | Non-Metro |
| Campbell County | $832,750 | $541,287 | Lynchburg, VA |
| Caroline County | $832,750 | $541,287 | Non-Metro |
| Carroll County | $832,750 | $541,287 | Non-Metro |
| Charles City County | $832,750 | $707,250 | Richmond, VA |
| Charlotte County | $832,750 | $541,287 | Non-Metro |
| Charlottesville city | $832,750 | $598,000 | Charlottesville, VA |
| Chesapeake city | $832,750 | $757,850 | Virginia Beach-Chesapeake-Norfolk, VA-NC |
| Chesterfield County | $832,750 | $707,250 | Richmond, VA |
| Clarke County | $1,249,125 | $1,249,125 | Washington-Arlington-Alexandria, DC-VA-MD-WV |
| Colonial Heights city | $832,750 | $707,250 | Richmond, VA |
| Covington city | $832,750 | $541,287 | Non-Metro |
| Craig County | $832,750 | $541,287 | Roanoke, VA |
| Culpeper County | $1,249,125 | $1,249,125 | Washington-Arlington-Alexandria, DC-VA-MD-WV |
| Cumberland County | $832,750 | $541,287 | Non-Metro |
| Danville city | $832,750 | $541,287 | Danville, VA |
| Dickenson County | $832,750 | $541,287 | Non-Metro |
| Dinwiddie County | $832,750 | $707,250 | Richmond, VA |
| Emporia city | $832,750 | $541,287 | Non-Metro |
| Essex County | $832,750 | $541,287 | Non-Metro |
| Fairfax County | $1,249,125 | $1,249,125 | Washington-Arlington-Alexandria, DC-VA-MD-WV |
| Fairfax city | $1,249,125 | $1,249,125 | Washington-Arlington-Alexandria, DC-VA-MD-WV |
| Falls Church city | $1,249,125 | $1,249,125 | Washington-Arlington-Alexandria, DC-VA-MD-WV |
| Fauquier County | $1,249,125 | $1,249,125 | Washington-Arlington-Alexandria, DC-VA-MD-WV |
| Floyd County | $832,750 | $541,287 | Blacksburg-Christiansburg-Radford, VA |
| Fluvanna County | $832,750 | $598,000 | Charlottesville, VA |
| Franklin County | $832,750 | $541,287 | Roanoke, VA |
| Franklin city | $832,750 | $541,287 | Non-Metro |
| Frederick County | $832,750 | $541,287 | Winchester, VA-WV |
| Fredericksburg city | $1,249,125 | $1,249,125 | Washington-Arlington-Alexandria, DC-VA-MD-WV |
| Galax city | $832,750 | $541,287 | Non-Metro |
| Giles County | $832,750 | $541,287 | Blacksburg-Christiansburg-Radford, VA |
| Gloucester County | $832,750 | $757,850 | Virginia Beach-Chesapeake-Norfolk, VA-NC |
| Goochland County | $832,750 | $707,250 | Richmond, VA |
| Grayson County | $832,750 | $541,287 | Non-Metro |
| Greene County | $832,750 | $598,000 | Charlottesville, VA |
| Greensville County | $832,750 | $541,287 | Non-Metro |
| Halifax County | $832,750 | $541,287 | Non-Metro |
| Hampton city | $832,750 | $757,850 | Virginia Beach-Chesapeake-Norfolk, VA-NC |
| Hanover County | $832,750 | $707,250 | Richmond, VA |
| Harrisonburg city | $832,750 | $541,287 | Harrisonburg, VA |
| Henrico County | $832,750 | $707,250 | Richmond, VA |
| Henry County | $832,750 | $541,287 | Martinsville, VA |
| Highland County | $832,750 | $541,287 | Non-Metro |
| Hopewell city | $832,750 | $707,250 | Richmond, VA |
| Isle of Wight County | $832,750 | $757,850 | Virginia Beach-Chesapeake-Norfolk, VA-NC |
| James City County | $832,750 | $757,850 | Virginia Beach-Chesapeake-Norfolk, VA-NC |
| King George County | $832,750 | $541,287 | Non-Metro |
| King William County | $832,750 | $707,250 | Richmond, VA |
| King and Queen County | $832,750 | $707,250 | Richmond, VA |
| Lancaster County | $832,750 | $541,287 | Non-Metro |
| Lee County | $832,750 | $541,287 | Non-Metro |
| Lexington city | $832,750 | $541,287 | Non-Metro |
| Loudoun County | $1,249,125 | $1,249,125 | Washington-Arlington-Alexandria, DC-VA-MD-WV |
| Louisa County | $832,750 | $541,287 | Non-Metro |
| Lunenburg County | $832,750 | $541,287 | Non-Metro |
| Lynchburg city | $832,750 | $541,287 | Lynchburg, VA |
| Madison County | $1,209,750 | $541,287 | Non-Metro |
| Manassas Park city | $1,249,125 | $1,249,125 | Washington-Arlington-Alexandria, DC-VA-MD-WV |
| Manassas city | $1,249,125 | $1,249,125 | Washington-Arlington-Alexandria, DC-VA-MD-WV |
| Martinsville city | $832,750 | $541,287 | Martinsville, VA |
| Mathews County | $832,750 | $757,850 | Virginia Beach-Chesapeake-Norfolk, VA-NC |
| Mecklenburg County | $832,750 | $541,287 | Non-Metro |
| Middlesex County | $832,750 | $541,287 | Non-Metro |
| Montgomery County | $832,750 | $541,287 | Blacksburg-Christiansburg-Radford, VA |
| Nelson County | $832,750 | $598,000 | Charlottesville, VA |
| New Kent County | $832,750 | $707,250 | Richmond, VA |
| Newport News city | $832,750 | $757,850 | Virginia Beach-Chesapeake-Norfolk, VA-NC |
| Norfolk city | $832,750 | $757,850 | Virginia Beach-Chesapeake-Norfolk, VA-NC |
| Northampton County | $832,750 | $541,287 | Non-Metro |
| Northumberland County | $832,750 | $541,287 | Non-Metro |
| Norton city | $832,750 | $541,287 | Non-Metro |
| Nottoway County | $832,750 | $541,287 | Non-Metro |
| Orange County | $832,750 | $541,287 | Lake Of The Woods, VA |
| Page County | $832,750 | $541,287 | Non-Metro |
| Patrick County | $832,750 | $541,287 | Non-Metro |
| Petersburg city | $832,750 | $707,250 | Richmond, VA |
| Pittsylvania County | $832,750 | $541,287 | Danville, VA |
| Poquoson city | $832,750 | $757,850 | Virginia Beach-Chesapeake-Norfolk, VA-NC |
| Portsmouth city | $832,750 | $757,850 | Virginia Beach-Chesapeake-Norfolk, VA-NC |
| Powhatan County | $832,750 | $707,250 | Richmond, VA |
| Prince Edward County | $832,750 | $541,287 | Non-Metro |
| Prince George County | $832,750 | $707,250 | Richmond, VA |
| Prince William County | $1,249,125 | $1,249,125 | Washington-Arlington-Alexandria, DC-VA-MD-WV |
| Pulaski County | $832,750 | $541,287 | Blacksburg-Christiansburg-Radford, VA |
| Radford city | $832,750 | $541,287 | Blacksburg-Christiansburg-Radford, VA |
| Rappahannock County | $1,249,125 | $1,249,125 | Washington-Arlington-Alexandria, DC-VA-MD-WV |
| Richmond County | $832,750 | $541,287 | Non-Metro |
| Richmond city | $832,750 | $707,250 | Richmond, VA |
| Roanoke County | $832,750 | $541,287 | Roanoke, VA |
| Roanoke city | $832,750 | $541,287 | Roanoke, VA |
| Rockbridge County | $832,750 | $541,287 | Non-Metro |
| Rockingham County | $832,750 | $541,287 | Harrisonburg, VA |
| Russell County | $832,750 | $541,287 | Non-Metro |
| Salem city | $832,750 | $541,287 | Roanoke, VA |
| Scott County | $832,750 | $541,287 | Kingsport-Bristol, TN-VA |
| Shenandoah County | $832,750 | $541,287 | Non-Metro |
| Smyth County | $832,750 | $541,287 | Non-Metro |
| Southampton County | $832,750 | $541,287 | Non-Metro |
| Spotsylvania County | $1,249,125 | $1,249,125 | Washington-Arlington-Alexandria, DC-VA-MD-WV |
| Stafford County | $1,249,125 | $1,249,125 | Washington-Arlington-Alexandria, DC-VA-MD-WV |
| Staunton city | $832,750 | $541,287 | Staunton-Stuarts Draft, VA |
| Suffolk city | $832,750 | $757,850 | Virginia Beach-Chesapeake-Norfolk, VA-NC |
| Surry County | $832,750 | $757,850 | Virginia Beach-Chesapeake-Norfolk, VA-NC |
| Sussex County | $832,750 | $707,250 | Richmond, VA |
| Tazewell County | $832,750 | $541,287 | Bluefield, WV-VA |
| Virginia Beach city | $832,750 | $757,850 | Virginia Beach-Chesapeake-Norfolk, VA-NC |
| Warren County | $1,249,125 | $1,249,125 | Washington-Arlington-Alexandria, DC-VA-MD-WV |
| Washington County | $832,750 | $541,287 | Kingsport-Bristol, TN-VA |
| Waynesboro city | $832,750 | $541,287 | Staunton-Stuarts Draft, VA |
| Westmoreland County | $832,750 | $541,287 | Non-Metro |
| Williamsburg city | $832,750 | $757,850 | Virginia Beach-Chesapeake-Norfolk, VA-NC |
| Winchester city | $832,750 | $541,287 | Winchester, VA-WV |
| Wise County | $832,750 | $541,287 | Non-Metro |
| Wythe County | $832,750 | $541,287 | Non-Metro |
| York County | $832,750 | $757,850 | Virginia Beach-Chesapeake-Norfolk, VA-NC |
One-unit limits. Each county page has the 2, 3 and 4 unit limits, the VA figure and how the county compares. Conforming limits announced November 25, 2025; FHA limits for 2026.
Highest FHA loan limits in Virginia
Alexandria city ($1,249,125), Arlington County ($1,249,125), Clarke County ($1,249,125), Culpeper County ($1,249,125) and Fairfax city ($1,249,125). HUD sets a county above the floor where 115 percent of its area's median home price is higher than the floor, up to the $1,249,125 ceiling; every county of one HUD area has the same limit.
FHA, VA and conforming limits in Virginia
- FHA loan limits 2026HUD's floor and ceiling, how a county's limit is set and the highest-limit counties nationally.
- Conforming loan limits 2026FHFA's baseline, the high-cost ceiling and the special Alaska and Hawaii limits, with the announcement calendar.
- VA loan limitsNo limit with full entitlement since 2020; how the county limit sets the guaranty for remaining entitlement.
- Jumbo loan limit 2026The loan size above which a mortgage is jumbo in each county, and the high-balance band.
- Virginia fair market rentsHUD Fair Market Rents for every Virginia county, studios to 4 bedrooms.
- Virginia property tax ratesEffective property tax rate for every Virginia county from survey data.
For the title side (owner of record, deeds, mortgages, liens), see the counties HeritageDeed covers; a title report is $49 per report.
Questions about Virginia loan limits
What are the FHA loan limits in Virginia for 2026?
$541,287 to $1,249,125 for a one-unit home, depending on the county. 54 counties are above the national floor of $541,287, led by Alexandria city ($1,249,125), Arlington County ($1,249,125) and Clarke County ($1,249,125); the rest are at the floor. Two to four unit limits are on each county page. HUD's limits apply to case numbers assigned on or after January 1, 2026.
What is the conforming loan limit in Virginia for 2026?
$832,750 to $1,249,125 for a one-unit home, by county; 18 counties are above the $832,750 baseline (FHFA, effective January 1, 2026).
What is the VA loan limit in Virginia?
There is none for a veteran with full entitlement: VA removed county loan limits for them on January 1, 2020. A veteran with entitlement in use gets a guaranty based on the county's FHFA one-unit limit, $832,750 to $1,249,125 in Virginia for 2026: 25 percent of that limit minus the entitlement already used.
Which Virginia counties have the highest loan limits?
Conforming: Alexandria city at $1,249,125. FHA: Alexandria city at $1,249,125. Limits follow FHFA's and HUD's metropolitan areas, so every county in one area has the same figure.
Loan limits in nearby states
Kentucky loan limitsMaryland loan limitsNorth Carolina loan limitsTennessee loan limitsWest Virginia loan limitsWashington, DC loan limits
Legal references
- 12 U.S.C. 1709(b)(2), FHA mortgage limits (115 percent of the area median, floor and ceiling)
Published federal limits. JSON: /api/data/loan-limits/virginia. Not lending advice.