Virginia Mortgage Guide 2026
Compare 2026 FHA and conforming loan limits across all 133 counties in Virginia. FHA limits in this state range from $541,287 to $811,931, while conforming limits range from $832,750 to $1,249,125.
Avg FHA Limit
$577,723
Avg Conforming
$888,805
Max FHA Limit
$811,931
Counties
133
2026 Loan Limits by County in Virginia
| # | County | FHA Limit (1-Unit) | Conforming Limit (1-Unit) | Median Home Value |
|---|---|---|---|---|
| 1 | Accomack County | $541,287 | $832,750 | $204,300 |
| 2 | Albemarle County | $541,287 | $832,750 | $495,400 |
| 3 | Alexandria city | $811,931 | $1,249,125 | $735,100 |
| 4 | Alleghany County | $541,287 | $832,750 | $125,800 |
| 5 | Amelia County | $541,287 | $832,750 | $282,400 |
| 6 | Amherst County | $541,287 | $832,750 | $212,400 |
| 7 | Appomattox County | $541,287 | $832,750 | $207,600 |
| 8 | Arlington County | $811,931 | $1,249,125 | $895,000 |
| 9 | Augusta County | $541,287 | $832,750 | $306,100 |
| 10 | Bath County | $541,287 | $832,750 | $206,700 |
| 11 | Bedford County | $541,287 | $832,750 | $297,400 |
| 12 | Bland County | $541,287 | $832,750 | $152,100 |
| 13 | Botetourt County | $541,287 | $832,750 | $289,200 |
| 14 | Bristol city | $541,287 | $832,750 | $184,100 |
| 15 | Brunswick County | $541,287 | $832,750 | $142,700 |
| 16 | Buchanan County | $541,287 | $832,750 | $94,900 |
| 17 | Buckingham County | $541,287 | $832,750 | $173,400 |
| 18 | Buena Vista city | $541,287 | $832,750 | $156,200 |
| 19 | Campbell County | $541,287 | $832,750 | $211,600 |
| 20 | Caroline County | $541,287 | $832,750 | $307,700 |
| 21 | Carroll County | $541,287 | $832,750 | $156,500 |
| 22 | Charles City County | $541,287 | $832,750 | $241,400 |
| 23 | Charlotte County | $541,287 | $832,750 | $144,100 |
| 24 | Charlottesville city | $541,287 | $832,750 | $486,700 |
| 25 | Chesapeake city | $541,287 | $832,750 | $378,400 |
| 26 | Chesterfield County | $541,287 | $832,750 | $366,000 |
| 27 | Clarke County | $811,931 | $1,249,125 | $550,100 |
| 28 | Colonial Heights city | $541,287 | $832,750 | $246,600 |
| 29 | Covington city | $541,287 | $832,750 | $83,500 |
| 30 | Craig County | $541,287 | $832,750 | $189,000 |
| 31 | Culpeper County | $811,931 | $1,249,125 | $409,200 |
| 32 | Cumberland County | $541,287 | $832,750 | $239,300 |
| 33 | Danville city | $541,287 | $832,750 | $119,100 |
| 34 | Dickenson County | $541,287 | $832,750 | $102,700 |
| 35 | Dinwiddie County | $541,287 | $832,750 | $257,800 |
| 36 | Emporia city | $541,287 | $832,750 | $148,500 |
| 37 | Essex County | $541,287 | $832,750 | $238,100 |
| 38 | Fairfax County | $811,931 | $1,249,125 | $732,800 |
| 39 | Fairfax city | $811,931 | $1,249,125 | $722,600 |
| 40 | Falls Church city | $811,931 | $1,249,125 | $1,055,600 |
| 41 | Fauquier County | $811,931 | $1,249,125 | $573,700 |
| 42 | Floyd County | $541,287 | $832,750 | $225,400 |
| 43 | Fluvanna County | $541,287 | $832,750 | $314,100 |
| 44 | Franklin County | $541,287 | $832,750 | $240,400 |
| 45 | Franklin city | $541,287 | $832,750 | $256,600 |
| 46 | Frederick County | $541,287 | $832,750 | $386,000 |
| 47 | Fredericksburg city | $811,931 | $1,249,125 | $483,700 |
| 48 | Galax city | $541,287 | $832,750 | $141,300 |
| 49 | Giles County | $541,287 | $832,750 | $151,100 |
| 50 | Gloucester County | $541,287 | $832,750 | $331,000 |
| 51 | Goochland County | $541,287 | $832,750 | $500,600 |
| 52 | Grayson County | $541,287 | $832,750 | $150,100 |
| 53 | Greene County | $541,287 | $832,750 | $343,300 |
| 54 | Greensville County | $541,287 | $832,750 | $159,400 |
| 55 | Halifax County | $541,287 | $832,750 | $155,700 |
| 56 | Hampton city | $541,287 | $832,750 | $245,700 |
| 57 | Hanover County | $541,287 | $832,750 | $400,400 |
| 58 | Harrisonburg city | $541,287 | $832,750 | $299,100 |
| 59 | Henrico County | $541,287 | $832,750 | $359,200 |
| 60 | Henry County | $541,287 | $832,750 | $134,800 |
| 61 | Highland County | $541,287 | $832,750 | $200,000 |
| 62 | Hopewell city | $541,287 | $832,750 | $181,600 |
| 63 | Isle of Wight County | $541,287 | $832,750 | $356,500 |
| 64 | James City County | $541,287 | $832,750 | $447,200 |
| 65 | King George County | $541,287 | $832,750 | $428,300 |
| 66 | King William County | $541,287 | $832,750 | $315,700 |
| 67 | King and Queen County | $541,287 | $832,750 | $231,600 |
| 68 | Lancaster County | $541,287 | $832,750 | $327,000 |
| 69 | Lee County | $541,287 | $832,750 | $98,900 |
| 70 | Lexington city | $541,287 | $832,750 | $275,200 |
| 71 | Loudoun County | $811,931 | $1,249,125 | $743,800 |
| 72 | Louisa County | $541,287 | $832,750 | $315,300 |
| 73 | Lunenburg County | $541,287 | $832,750 | $150,100 |
| 74 | Lynchburg city | $541,287 | $832,750 | $229,800 |
| 75 | Madison County | $786,337 | $1,209,750 | $370,300 |
| 76 | Manassas Park city | $811,931 | $1,249,125 | $395,900 |
| 77 | Manassas city | $811,931 | $1,249,125 | $449,900 |
| 78 | Martinsville city | $541,287 | $832,750 | $98,400 |
| 79 | Mathews County | $541,287 | $832,750 | $360,900 |
| 80 | Mecklenburg County | $541,287 | $832,750 | $192,600 |
| 81 | Middlesex County | $541,287 | $832,750 | $352,200 |
| 82 | Montgomery County | $541,287 | $832,750 | $304,600 |
| 83 | Nelson County | $541,287 | $832,750 | $321,700 |
| 84 | New Kent County | $541,287 | $832,750 | $393,600 |
| 85 | Newport News city | $541,287 | $832,750 | $260,600 |
| 86 | Norfolk city | $541,287 | $832,750 | $289,900 |
| 87 | Northampton County | $541,287 | $832,750 | $316,200 |
| 88 | Northumberland County | $541,287 | $832,750 | $346,800 |
| 89 | Norton city | $541,287 | $832,750 | $110,000 |
| 90 | Nottoway County | $541,287 | $832,750 | $167,500 |
| 91 | Orange County | $541,287 | $832,750 | $364,200 |
| 92 | Page County | $541,287 | $832,750 | $233,200 |
| 93 | Patrick County | $541,287 | $832,750 | $153,400 |
| 94 | Petersburg city | $541,287 | $832,750 | $189,000 |
| 95 | Pittsylvania County | $541,287 | $832,750 | $161,400 |
| 96 | Poquoson city | $541,287 | $832,750 | $400,300 |
| 97 | Portsmouth city | $541,287 | $832,750 | $246,900 |
| 98 | Powhatan County | $541,287 | $832,750 | $416,000 |
| 99 | Prince Edward County | $541,287 | $832,750 | $216,600 |
| 100 | Prince George County | $541,287 | $832,750 | $293,400 |
| 101 | Prince William County | $811,931 | $1,249,125 | $530,100 |
| 102 | Pulaski County | $541,287 | $832,750 | $191,700 |
| 103 | Radford city | $541,287 | $832,750 | $220,700 |
| 104 | Rappahannock County | $811,931 | $1,249,125 | $506,400 |
| 105 | Richmond County | $541,287 | $832,750 | $231,500 |
| 106 | Richmond city | $541,287 | $832,750 | $353,000 |
| 107 | Roanoke County | $541,287 | $832,750 | $286,000 |
| 108 | Roanoke city | $541,287 | $832,750 | $190,500 |
| 109 | Rockbridge County | $541,287 | $832,750 | $248,800 |
| 110 | Rockingham County | $541,287 | $832,750 | $313,000 |
| 111 | Russell County | $541,287 | $832,750 | $120,600 |
| 112 | Salem city | $541,287 | $832,750 | $258,600 |
| 113 | Scott County | $541,287 | $832,750 | $143,000 |
| 114 | Shenandoah County | $541,287 | $832,750 | $294,900 |
| 115 | Smyth County | $541,287 | $832,750 | $139,600 |
| 116 | Southampton County | $541,287 | $832,750 | $216,200 |
| 117 | Spotsylvania County | $811,931 | $1,249,125 | $404,900 |
| 118 | Stafford County | $811,931 | $1,249,125 | $485,100 |
| 119 | Staunton city | $541,287 | $832,750 | $259,200 |
| 120 | Suffolk city | $541,287 | $832,750 | $347,400 |
| 121 | Surry County | $541,287 | $832,750 | $238,800 |
| 122 | Sussex County | $541,287 | $832,750 | $183,800 |
| 123 | Tazewell County | $541,287 | $832,750 | $118,300 |
| 124 | Virginia Beach city | $541,287 | $832,750 | $382,500 |
| 125 | Warren County | $811,931 | $1,249,125 | $348,400 |
| 126 | Washington County | $541,287 | $832,750 | $214,000 |
| 127 | Waynesboro city | $541,287 | $832,750 | $245,500 |
| 128 | Westmoreland County | $541,287 | $832,750 | $269,600 |
| 129 | Williamsburg city | $541,287 | $832,750 | $428,100 |
| 130 | Winchester city | $541,287 | $832,750 | $343,000 |
| 131 | Wise County | $541,287 | $832,750 | $118,600 |
| 132 | Wythe County | $541,287 | $832,750 | $171,200 |
| 133 | York County | $541,287 | $832,750 | $433,200 |
About Virginia's Mortgage Market
Virginia has 133 counties, each with its own FHA and conforming loan limits for 2026. FHA limits in Virginia range from $541,287 to $811,931 for a single-family home. Conforming limits range from $832,750 to $1,249,125.
Use our mortgage calculator to compute monthly payments using Virginia-specific loan limits. Or explore a specific county above for detailed FHA vs conventional comparisons.
Frequently Asked Questions
What is the maximum FHA loan limit in Virginia?
The highest 2026 FHA limit in Virginia is $811,931 for a single-family home.
What is the maximum conforming loan limit in Virginia?
The highest 2026 conforming loan limit in Virginia is $1,249,125 for a single-family home. Loans above this threshold are considered "jumbo" and require stricter qualifications.
How many counties are in Virginia?
Virginia has 133 counties, each with its own loan limits published annually by FHFA and HUD.
Data Source: FHFA Conforming Loan Limits 2026, HUD FHA Forward Mortgage Limits 2026, U.S. Census Bureau ACS 5-Year Estimates. Public domain. This page is for informational purposes and does not constitute financial advice.