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2026 Virginia loan limits by county
Virginia has 133 counties in the 2026 FHFA list. The highest one-unit conforming limit is $1,249,125 in Warren County; the state median is $832,750. 18 of 133 are above the $832,750 national baseline. 79 sit at the 2026 FHA floor of $541,287.
- 133Counties listed
- $1,249,125Highest 1-unit conformingWarren County
- $832,750Median 1-unit conforming
- 79At FHA floorof 133
| County | Conforming 1-unit 2026 | Change vs 2025 | FHA 1-unit 2026 | Conforming 4-unit 2026 |
|---|---|---|---|---|
| Accomack County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Albemarle County | $832,750 | +$26,250 (+3.3%) | $598,000 | $1,601,750 |
| Alexandria city | $1,249,125 | +$39,375 (+3.3%) | $1,249,125 | $2,402,625 |
| Alleghany County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Amelia County | $832,750 | +$26,250 (+3.3%) | $707,250 | $1,601,750 |
| Amherst County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Appomattox County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Arlington County | $1,249,125 | +$39,375 (+3.3%) | $1,249,125 | $2,402,625 |
| Augusta County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Bath County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Bedford County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Bland County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Botetourt County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Bristol city | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Brunswick County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Buchanan County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Buckingham County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Buena Vista city | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Campbell County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Caroline County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Carroll County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Charles City County | $832,750 | +$26,250 (+3.3%) | $707,250 | $1,601,750 |
| Charlotte County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Charlottesville city | $832,750 | +$26,250 (+3.3%) | $598,000 | $1,601,750 |
| Chesapeake city | $832,750 | +$26,250 (+3.3%) | $757,850 | $1,601,750 |
| Chesterfield County | $832,750 | +$26,250 (+3.3%) | $707,250 | $1,601,750 |
| Clarke County | $1,249,125 | +$39,375 (+3.3%) | $1,249,125 | $2,402,625 |
| Colonial Heights city | $832,750 | +$26,250 (+3.3%) | $707,250 | $1,601,750 |
| Covington city | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Craig County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Culpeper County | $1,249,125 | +$39,375 (+3.3%) | $1,249,125 | $2,402,625 |
| Cumberland County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Danville city | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Dickenson County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Dinwiddie County | $832,750 | +$26,250 (+3.3%) | $707,250 | $1,601,750 |
| Emporia city | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Essex County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Fairfax County | $1,249,125 | +$39,375 (+3.3%) | $1,249,125 | $2,402,625 |
| Fairfax city | $1,249,125 | +$39,375 (+3.3%) | $1,249,125 | $2,402,625 |
| Falls Church city | $1,249,125 | +$39,375 (+3.3%) | $1,249,125 | $2,402,625 |
| Fauquier County | $1,249,125 | +$39,375 (+3.3%) | $1,249,125 | $2,402,625 |
| Floyd County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Fluvanna County | $832,750 | +$26,250 (+3.3%) | $598,000 | $1,601,750 |
| Franklin County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Franklin city | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Frederick County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Fredericksburg city | $1,249,125 | +$39,375 (+3.3%) | $1,249,125 | $2,402,625 |
| Galax city | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Giles County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Gloucester County | $832,750 | +$26,250 (+3.3%) | $757,850 | $1,601,750 |
| Goochland County | $832,750 | +$26,250 (+3.3%) | $707,250 | $1,601,750 |
| Grayson County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Greene County | $832,750 | +$26,250 (+3.3%) | $598,000 | $1,601,750 |
| Greensville County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Halifax County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Hampton city | $832,750 | +$26,250 (+3.3%) | $757,850 | $1,601,750 |
| Hanover County | $832,750 | +$26,250 (+3.3%) | $707,250 | $1,601,750 |
| Harrisonburg city | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Henrico County | $832,750 | +$26,250 (+3.3%) | $707,250 | $1,601,750 |
| Henry County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Highland County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Hopewell city | $832,750 | +$26,250 (+3.3%) | $707,250 | $1,601,750 |
| Isle of Wight County | $832,750 | +$26,250 (+3.3%) | $757,850 | $1,601,750 |
| James City County | $832,750 | +$26,250 (+3.3%) | $757,850 | $1,601,750 |
| King George County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| King William County | $832,750 | +$26,250 (+3.3%) | $707,250 | $1,601,750 |
| King and Queen County | $832,750 | +$26,250 (+3.3%) | $707,250 | $1,601,750 |
| Lancaster County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Lee County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Lexington city | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Loudoun County | $1,249,125 | +$39,375 (+3.3%) | $1,249,125 | $2,402,625 |
| Louisa County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Lunenburg County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Lynchburg city | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Madison County | $1,209,750 | no change | $541,287 | $2,326,875 |
| Manassas Park city | $1,249,125 | +$39,375 (+3.3%) | $1,249,125 | $2,402,625 |
| Manassas city | $1,249,125 | +$39,375 (+3.3%) | $1,249,125 | $2,402,625 |
| Martinsville city | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Mathews County | $832,750 | +$26,250 (+3.3%) | $757,850 | $1,601,750 |
| Mecklenburg County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Middlesex County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Montgomery County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Nelson County | $832,750 | +$26,250 (+3.3%) | $598,000 | $1,601,750 |
| New Kent County | $832,750 | +$26,250 (+3.3%) | $707,250 | $1,601,750 |
| Newport News city | $832,750 | +$26,250 (+3.3%) | $757,850 | $1,601,750 |
| Norfolk city | $832,750 | +$26,250 (+3.3%) | $757,850 | $1,601,750 |
| Northampton County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Northumberland County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Norton city | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Nottoway County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Orange County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Page County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Patrick County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Petersburg city | $832,750 | +$26,250 (+3.3%) | $707,250 | $1,601,750 |
| Pittsylvania County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Poquoson city | $832,750 | +$26,250 (+3.3%) | $757,850 | $1,601,750 |
| Portsmouth city | $832,750 | +$26,250 (+3.3%) | $757,850 | $1,601,750 |
| Powhatan County | $832,750 | +$26,250 (+3.3%) | $707,250 | $1,601,750 |
| Prince Edward County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Prince George County | $832,750 | +$26,250 (+3.3%) | $707,250 | $1,601,750 |
| Prince William County | $1,249,125 | +$39,375 (+3.3%) | $1,249,125 | $2,402,625 |
| Pulaski County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Radford city | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Rappahannock County | $1,249,125 | +$39,375 (+3.3%) | $1,249,125 | $2,402,625 |
| Richmond County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Richmond city | $832,750 | +$26,250 (+3.3%) | $707,250 | $1,601,750 |
| Roanoke County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Roanoke city | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Rockbridge County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Rockingham County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Russell County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Salem city | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Scott County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Shenandoah County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Smyth County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Southampton County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Spotsylvania County | $1,249,125 | +$39,375 (+3.3%) | $1,249,125 | $2,402,625 |
| Stafford County | $1,249,125 | +$39,375 (+3.3%) | $1,249,125 | $2,402,625 |
| Staunton city | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Suffolk city | $832,750 | +$26,250 (+3.3%) | $757,850 | $1,601,750 |
| Surry County | $832,750 | +$26,250 (+3.3%) | $757,850 | $1,601,750 |
| Sussex County | $832,750 | +$26,250 (+3.3%) | $707,250 | $1,601,750 |
| Tazewell County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Virginia Beach city | $832,750 | +$26,250 (+3.3%) | $757,850 | $1,601,750 |
| Warren County | $1,249,125 | +$39,375 (+3.3%) | $1,249,125 | $2,402,625 |
| Washington County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Waynesboro city | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Westmoreland County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Williamsburg city | $832,750 | +$26,250 (+3.3%) | $757,850 | $1,601,750 |
| Winchester city | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Wise County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Wythe County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| York County | $832,750 | +$26,250 (+3.3%) | $757,850 | $1,601,750 |
Sources
- Federal Housing Finance Agency, 2026 Conforming Loan Limit Values, full county list (CSV), file dated November 24, 2025; announced November 25, 2025.
- FHFA 2025 county list (CSV), file dated September 15, 2025.
- U.S. Department of Housing and Urban Development, CY2026 FHA forward mortgage limits file, dated December 10, 2025; Mortgagee Letter 2025-23, December 11, 2025. Search tool: HUD FHA Mortgage Limits.
Figures are copied from the files above without modification. Program rules can change mid-year; confirm with your lender.