2026 Conforming Loan Limits in Virginia

Name: 2026 Conforming Loan Limits in Virginia
Creator: Federal Housing Finance Agency

Virginia has 133 counties with conforming loan limits, including 18 high-cost areas. Limits range from $832,750 to $1,249,125.

County	1-Unit Limit	2-Unit Limit	3-Unit Limit	4-Unit Limit
RAPPAHANNOCK COUNTYHigh-Cost	$1,249,125	$1,599,375	$1,933,200	$2,402,625
FREDERICKSBURG CITYHigh-Cost	$1,249,125	$1,599,375	$1,933,200	$2,402,625
SPOTSYLVANIA COUNTYHigh-Cost	$1,249,125	$1,599,375	$1,933,200	$2,402,625
ALEXANDRIA CITYHigh-Cost	$1,249,125	$1,599,375	$1,933,200	$2,402,625
STAFFORD COUNTYHigh-Cost	$1,249,125	$1,599,375	$1,933,200	$2,402,625
ARLINGTON COUNTYHigh-Cost	$1,249,125	$1,599,375	$1,933,200	$2,402,625
CULPEPER COUNTYHigh-Cost	$1,249,125	$1,599,375	$1,933,200	$2,402,625
LOUDOUN COUNTYHigh-Cost	$1,249,125	$1,599,375	$1,933,200	$2,402,625
MANASSAS CITYHigh-Cost	$1,249,125	$1,599,375	$1,933,200	$2,402,625
MANASSAS PARK CITYHigh-Cost	$1,249,125	$1,599,375	$1,933,200	$2,402,625
WARREN COUNTYHigh-Cost	$1,249,125	$1,599,375	$1,933,200	$2,402,625
CLARKE COUNTYHigh-Cost	$1,249,125	$1,599,375	$1,933,200	$2,402,625
FAIRFAX COUNTYHigh-Cost	$1,249,125	$1,599,375	$1,933,200	$2,402,625
FAUQUIER COUNTYHigh-Cost	$1,249,125	$1,599,375	$1,933,200	$2,402,625
FAIRFAX CITYHigh-Cost	$1,249,125	$1,599,375	$1,933,200	$2,402,625
PRINCE WILLIAM COUNTYHigh-Cost	$1,249,125	$1,599,375	$1,933,200	$2,402,625
FALLS CHURCH CITYHigh-Cost	$1,249,125	$1,599,375	$1,933,200	$2,402,625
MADISON COUNTYHigh-Cost	$1,209,750	$1,548,975	$1,872,225	$2,326,875
BUCHANAN COUNTY	$832,750	$1,066,250	$1,288,800	$1,601,750
BUCKINGHAM COUNTY	$832,750	$1,066,250	$1,288,800	$1,601,750
CAMPBELL COUNTY	$832,750	$1,066,250	$1,288,800	$1,601,750
CAROLINE COUNTY	$832,750	$1,066,250	$1,288,800	$1,601,750
CARROLL COUNTY	$832,750	$1,066,250	$1,288,800	$1,601,750
CHARLES CITY COUNTY	$832,750	$1,066,250	$1,288,800	$1,601,750
CHARLOTTE COUNTY	$832,750	$1,066,250	$1,288,800	$1,601,750
CHESTERFIELD COUNTY	$832,750	$1,066,250	$1,288,800	$1,601,750
CRAIG COUNTY	$832,750	$1,066,250	$1,288,800	$1,601,750
CUMBERLAND COUNTY	$832,750	$1,066,250	$1,288,800	$1,601,750
DICKENSON COUNTY	$832,750	$1,066,250	$1,288,800	$1,601,750
DINWIDDIE COUNTY	$832,750	$1,066,250	$1,288,800	$1,601,750
ESSEX COUNTY	$832,750	$1,066,250	$1,288,800	$1,601,750
FLOYD COUNTY	$832,750	$1,066,250	$1,288,800	$1,601,750
FLUVANNA COUNTY	$832,750	$1,066,250	$1,288,800	$1,601,750
FRANKLIN COUNTY	$832,750	$1,066,250	$1,288,800	$1,601,750
FREDERICK COUNTY	$832,750	$1,066,250	$1,288,800	$1,601,750
GILES COUNTY	$832,750	$1,066,250	$1,288,800	$1,601,750
GLOUCESTER COUNTY	$832,750	$1,066,250	$1,288,800	$1,601,750
GOOCHLAND COUNTY	$832,750	$1,066,250	$1,288,800	$1,601,750
GRAYSON COUNTY	$832,750	$1,066,250	$1,288,800	$1,601,750
GREENE COUNTY	$832,750	$1,066,250	$1,288,800	$1,601,750
GREENSVILLE COUNTY	$832,750	$1,066,250	$1,288,800	$1,601,750
HALIFAX COUNTY	$832,750	$1,066,250	$1,288,800	$1,601,750
HANOVER COUNTY	$832,750	$1,066,250	$1,288,800	$1,601,750
HENRICO COUNTY	$832,750	$1,066,250	$1,288,800	$1,601,750
HENRY COUNTY	$832,750	$1,066,250	$1,288,800	$1,601,750
HIGHLAND COUNTY	$832,750	$1,066,250	$1,288,800	$1,601,750
ISLE OF WIGHT COUNTY	$832,750	$1,066,250	$1,288,800	$1,601,750
JAMES CITY COUNTY	$832,750	$1,066,250	$1,288,800	$1,601,750
KING AND QUEEN COUNTY	$832,750	$1,066,250	$1,288,800	$1,601,750
KING GEORGE COUNTY	$832,750	$1,066,250	$1,288,800	$1,601,750
KING WILLIAM COUNTY	$832,750	$1,066,250	$1,288,800	$1,601,750
LANCASTER COUNTY	$832,750	$1,066,250	$1,288,800	$1,601,750
LEE COUNTY	$832,750	$1,066,250	$1,288,800	$1,601,750
LOUISA COUNTY	$832,750	$1,066,250	$1,288,800	$1,601,750
LUNENBURG COUNTY	$832,750	$1,066,250	$1,288,800	$1,601,750
MATHEWS COUNTY	$832,750	$1,066,250	$1,288,800	$1,601,750
MECKLENBURG COUNTY	$832,750	$1,066,250	$1,288,800	$1,601,750
MIDDLESEX COUNTY	$832,750	$1,066,250	$1,288,800	$1,601,750
MONTGOMERY COUNTY	$832,750	$1,066,250	$1,288,800	$1,601,750
ROCKINGHAM COUNTY	$832,750	$1,066,250	$1,288,800	$1,601,750
NEW KENT COUNTY	$832,750	$1,066,250	$1,288,800	$1,601,750
NORTHAMPTON COUNTY	$832,750	$1,066,250	$1,288,800	$1,601,750
NORTHUMBERLAND COUNTY	$832,750	$1,066,250	$1,288,800	$1,601,750
NOTTOWAY COUNTY	$832,750	$1,066,250	$1,288,800	$1,601,750
ORANGE COUNTY	$832,750	$1,066,250	$1,288,800	$1,601,750
PAGE COUNTY	$832,750	$1,066,250	$1,288,800	$1,601,750
PATRICK COUNTY	$832,750	$1,066,250	$1,288,800	$1,601,750
SHENANDOAH COUNTY	$832,750	$1,066,250	$1,288,800	$1,601,750
SMYTH COUNTY	$832,750	$1,066,250	$1,288,800	$1,601,750
SOUTHAMPTON COUNTY	$832,750	$1,066,250	$1,288,800	$1,601,750
SURRY COUNTY	$832,750	$1,066,250	$1,288,800	$1,601,750
SUSSEX COUNTY	$832,750	$1,066,250	$1,288,800	$1,601,750
TAZEWELL COUNTY	$832,750	$1,066,250	$1,288,800	$1,601,750
WASHINGTON COUNTY	$832,750	$1,066,250	$1,288,800	$1,601,750
WESTMORELAND COUNTY	$832,750	$1,066,250	$1,288,800	$1,601,750
WISE COUNTY	$832,750	$1,066,250	$1,288,800	$1,601,750
WYTHE COUNTY	$832,750	$1,066,250	$1,288,800	$1,601,750
YORK COUNTY	$832,750	$1,066,250	$1,288,800	$1,601,750
BRISTOL CITY	$832,750	$1,066,250	$1,288,800	$1,601,750
BUENA VISTA CITY	$832,750	$1,066,250	$1,288,800	$1,601,750
CHARLOTTESVILLE CITY	$832,750	$1,066,250	$1,288,800	$1,601,750
CHESAPEAKE CITY	$832,750	$1,066,250	$1,288,800	$1,601,750
COLONIAL HEIGHTS CITY	$832,750	$1,066,250	$1,288,800	$1,601,750
COVINGTON CITY	$832,750	$1,066,250	$1,288,800	$1,601,750
DANVILLE CITY	$832,750	$1,066,250	$1,288,800	$1,601,750
EMPORIA CITY	$832,750	$1,066,250	$1,288,800	$1,601,750
FRANKLIN CITY	$832,750	$1,066,250	$1,288,800	$1,601,750
GALAX CITY	$832,750	$1,066,250	$1,288,800	$1,601,750
HAMPTON CITY	$832,750	$1,066,250	$1,288,800	$1,601,750
HARRISONBURG CITY	$832,750	$1,066,250	$1,288,800	$1,601,750
HOPEWELL CITY	$832,750	$1,066,250	$1,288,800	$1,601,750
LEXINGTON CITY	$832,750	$1,066,250	$1,288,800	$1,601,750
LYNCHBURG CITY	$832,750	$1,066,250	$1,288,800	$1,601,750
MARTINSVILLE CITY	$832,750	$1,066,250	$1,288,800	$1,601,750
NEWPORT NEWS CITY	$832,750	$1,066,250	$1,288,800	$1,601,750
NORFOLK CITY	$832,750	$1,066,250	$1,288,800	$1,601,750
NORTON CITY	$832,750	$1,066,250	$1,288,800	$1,601,750
PETERSBURG CITY	$832,750	$1,066,250	$1,288,800	$1,601,750
POQUOSON CITY	$832,750	$1,066,250	$1,288,800	$1,601,750
PORTSMOUTH CITY	$832,750	$1,066,250	$1,288,800	$1,601,750
RADFORD CITY	$832,750	$1,066,250	$1,288,800	$1,601,750
RICHMOND CITY	$832,750	$1,066,250	$1,288,800	$1,601,750
ROANOKE CITY	$832,750	$1,066,250	$1,288,800	$1,601,750
SALEM CITY	$832,750	$1,066,250	$1,288,800	$1,601,750
STAUNTON CITY	$832,750	$1,066,250	$1,288,800	$1,601,750
SUFFOLK CITY	$832,750	$1,066,250	$1,288,800	$1,601,750
VIRGINIA BEACH CITY	$832,750	$1,066,250	$1,288,800	$1,601,750
WAYNESBORO CITY	$832,750	$1,066,250	$1,288,800	$1,601,750
WILLIAMSBURG CITY	$832,750	$1,066,250	$1,288,800	$1,601,750
WINCHESTER CITY	$832,750	$1,066,250	$1,288,800	$1,601,750
PITTSYLVANIA COUNTY	$832,750	$1,066,250	$1,288,800	$1,601,750
POWHATAN COUNTY	$832,750	$1,066,250	$1,288,800	$1,601,750
PRINCE EDWARD COUNTY	$832,750	$1,066,250	$1,288,800	$1,601,750
PRINCE GEORGE COUNTY	$832,750	$1,066,250	$1,288,800	$1,601,750
PULASKI COUNTY	$832,750	$1,066,250	$1,288,800	$1,601,750
NELSON COUNTY	$832,750	$1,066,250	$1,288,800	$1,601,750
RUSSELL COUNTY	$832,750	$1,066,250	$1,288,800	$1,601,750
SCOTT COUNTY	$832,750	$1,066,250	$1,288,800	$1,601,750
RICHMOND COUNTY	$832,750	$1,066,250	$1,288,800	$1,601,750
ROANOKE COUNTY	$832,750	$1,066,250	$1,288,800	$1,601,750
ROCKBRIDGE COUNTY	$832,750	$1,066,250	$1,288,800	$1,601,750
ACCOMACK COUNTY	$832,750	$1,066,250	$1,288,800	$1,601,750
ALBEMARLE COUNTY	$832,750	$1,066,250	$1,288,800	$1,601,750
ALLEGHANY COUNTY	$832,750	$1,066,250	$1,288,800	$1,601,750
AMELIA COUNTY	$832,750	$1,066,250	$1,288,800	$1,601,750
AMHERST COUNTY	$832,750	$1,066,250	$1,288,800	$1,601,750
APPOMATTOX COUNTY	$832,750	$1,066,250	$1,288,800	$1,601,750
AUGUSTA COUNTY	$832,750	$1,066,250	$1,288,800	$1,601,750
BATH COUNTY	$832,750	$1,066,250	$1,288,800	$1,601,750
BEDFORD COUNTY	$832,750	$1,066,250	$1,288,800	$1,601,750
BLAND COUNTY	$832,750	$1,066,250	$1,288,800	$1,601,750
BOTETOURT COUNTY	$832,750	$1,066,250	$1,288,800	$1,601,750
BRUNSWICK COUNTY	$832,750	$1,066,250	$1,288,800	$1,601,750

Source: Federal Housing Finance Agency (FHFA). Sorted by 1-unit limit descending. High-cost areas highlighted.

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