Virginia · FIPS 51113
2026 loan limits in Madison County, Virginia
The 2026 conforming loan limit for a one-unit home in Madison County is $1,209,750, which is a high-cost limit above the baseline. The 2026 FHA limit is $541,287 (the FHA floor).
- $1,209,750Conforming, 1 unit (2026)no change vs 2025
- $541,287FHA, 1 unit (2026)−$668,463 (-55.3%) vs 2025
- $1,209,750VA, partial entitlement basisFull entitlement: no limit
- 18 of 133Rank in Virginiaby one-unit conforming limit
| Property | Conforming 2026 | Conforming 2025 | Change | FHA 2026 | FHA 2025 |
|---|---|---|---|---|---|
| 1 unit | $1,209,750 | $1,209,750 | no change | $541,287 | $1,209,750 |
| 2 units | $1,548,975 | $1,548,975 | no change | $693,050 | $1,548,975 |
| 3 units | $1,872,225 | $1,872,225 | no change | $837,700 | $1,872,225 |
| 4 units | $2,326,875 | $2,326,875 | no change | $1,041,125 | $2,326,875 |
How Madison County compares
- Virginia median one-unit conforming limit: $832,750 across 133 counties. This county is above the state median.
- National baseline for 2026: $832,750; high-cost ceiling: $1,249,125. This county is $377,000 above the baseline.
- HUD area: Non-metro. Median sale price HUD used to set the 2026 FHA limit: $325,000.
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.
- HUD CY2025 FHA limits file, dated March 6, 2025.
- U.S. Department of Veterans Affairs, VA Circular 26-25-10, December 1, 2025; VA home loan limits.
- Freddie Mac Primary Mortgage Market Survey, 30-year fixed average for the week of October 29, 2026: 7.24%.
Figures are copied from the files above without modification. Program rules can change mid-year; confirm with your lender.