2026 loan limits in Virginia
18 of Virginia’s 133 counties are high-cost areas with conforming limits above the $832,750 baseline. The rest use the national limits.
One-unit limits by county
| County | Conforming | FHA |
|---|---|---|
| Accomack County | $832,750 | $541,287 |
| Albemarle County | $832,750 | $598,000 |
| Alexandria (city) | $1,249,125 | $1,249,125 |
| Alleghany County | $832,750 | $541,287 |
| Amelia County | $832,750 | $707,250 |
| Amherst County | $832,750 | $541,287 |
| Appomattox County | $832,750 | $541,287 |
| Arlington County | $1,249,125 | $1,249,125 |
| Augusta County | $832,750 | $541,287 |
| Bath County | $832,750 | $541,287 |
| Bedford County | $832,750 | $541,287 |
| Bland County | $832,750 | $541,287 |
| Botetourt County | $832,750 | $541,287 |
| Bristol (city) | $832,750 | $541,287 |
| Brunswick County | $832,750 | $541,287 |
| Buchanan County | $832,750 | $541,287 |
| Buckingham County | $832,750 | $541,287 |
| Buena Vista (city) | $832,750 | $541,287 |
| Campbell County | $832,750 | $541,287 |
| Caroline County | $832,750 | $541,287 |
| Carroll County | $832,750 | $541,287 |
| Charles City | $832,750 | $707,250 |
| Charlotte County | $832,750 | $541,287 |
| Charlottesville (city) | $832,750 | $598,000 |
| Chesapeake (city) | $832,750 | $757,850 |
| Chesterfield County | $832,750 | $707,250 |
| Clarke County | $1,249,125 | $1,249,125 |
| Colonial Heights (city) | $832,750 | $707,250 |
| Covington (city) | $832,750 | $541,287 |
| Craig County | $832,750 | $541,287 |
| Culpeper County | $1,249,125 | $1,249,125 |
| Cumberland County | $832,750 | $541,287 |
| Danville (city) | $832,750 | $541,287 |
| Dickenson County | $832,750 | $541,287 |
| Dinwiddie County | $832,750 | $707,250 |
| Emporia (city) | $832,750 | $541,287 |
| Essex County | $832,750 | $541,287 |
| Fairfax (city) | $1,249,125 | $1,249,125 |
| Fairfax County | $1,249,125 | $1,249,125 |
| Falls Church (city) | $1,249,125 | $1,249,125 |
| Fauquier County | $1,249,125 | $1,249,125 |
| Floyd County | $832,750 | $541,287 |
| Fluvanna County | $832,750 | $598,000 |
| Franklin (city) | $832,750 | $541,287 |
| Franklin County | $832,750 | $541,287 |
| Frederick County | $832,750 | $541,287 |
| Fredericksburg (city) | $1,249,125 | $1,249,125 |
| Galax (city) | $832,750 | $541,287 |
| Giles County | $832,750 | $541,287 |
| Gloucester County | $832,750 | $757,850 |
| Goochland County | $832,750 | $707,250 |
| Grayson County | $832,750 | $541,287 |
| Greene County | $832,750 | $598,000 |
| Greensville County | $832,750 | $541,287 |
| Halifax County | $832,750 | $541,287 |
| Hampton (city) | $832,750 | $757,850 |
| Hanover County | $832,750 | $707,250 |
| Harrisonburg (city) | $832,750 | $541,287 |
| Henrico County | $832,750 | $707,250 |
| Henry County | $832,750 | $541,287 |
| Highland County | $832,750 | $541,287 |
| Hopewell (city) | $832,750 | $707,250 |
| Isle of Wight County | $832,750 | $757,850 |
| James City | $832,750 | $757,850 |
| King and Queen County | $832,750 | $707,250 |
| King George County | $832,750 | $541,287 |
| King William County | $832,750 | $707,250 |
| Lancaster County | $832,750 | $541,287 |
| Lee County | $832,750 | $541,287 |
| Lexington (city) | $832,750 | $541,287 |
| Loudoun County | $1,249,125 | $1,249,125 |
| Louisa County | $832,750 | $541,287 |
| Lunenburg County | $832,750 | $541,287 |
| Lynchburg (city) | $832,750 | $541,287 |
| Madison County | $1,209,750 | $541,287 |
| Manassas (city) | $1,249,125 | $1,249,125 |
| Manassas Park (city) | $1,249,125 | $1,249,125 |
| Martinsville (city) | $832,750 | $541,287 |
| Mathews County | $832,750 | $757,850 |
| Mecklenburg County | $832,750 | $541,287 |
| Middlesex County | $832,750 | $541,287 |
| Montgomery County | $832,750 | $541,287 |
| Nelson County | $832,750 | $598,000 |
| New Kent County | $832,750 | $707,250 |
| Newport News (city) | $832,750 | $757,850 |
| Norfolk (city) | $832,750 | $757,850 |
| Northampton County | $832,750 | $541,287 |
| Northumberland County | $832,750 | $541,287 |
| Norton (city) | $832,750 | $541,287 |
| Nottoway County | $832,750 | $541,287 |
| Orange County | $832,750 | $541,287 |
| Page County | $832,750 | $541,287 |
| Patrick County | $832,750 | $541,287 |
| Petersburg (city) | $832,750 | $707,250 |
| Pittsylvania County | $832,750 | $541,287 |
| Poquoson (city) | $832,750 | $757,850 |
| Portsmouth (city) | $832,750 | $757,850 |
| Powhatan County | $832,750 | $707,250 |
| Prince Edward County | $832,750 | $541,287 |
| Prince George County | $832,750 | $707,250 |
| Prince William County | $1,249,125 | $1,249,125 |
| Pulaski County | $832,750 | $541,287 |
| Radford (city) | $832,750 | $541,287 |
| Rappahannock County | $1,249,125 | $1,249,125 |
| Richmond (city) | $832,750 | $707,250 |
| Richmond County | $832,750 | $541,287 |
| Roanoke (city) | $832,750 | $541,287 |
| Roanoke County | $832,750 | $541,287 |
| Rockbridge County | $832,750 | $541,287 |
| Rockingham County | $832,750 | $541,287 |
| Russell County | $832,750 | $541,287 |
| Salem (city) | $832,750 | $541,287 |
| Scott County | $832,750 | $541,287 |
| Shenandoah County | $832,750 | $541,287 |
| Smyth County | $832,750 | $541,287 |
| Southampton County | $832,750 | $541,287 |
| Spotsylvania County | $1,249,125 | $1,249,125 |
| Stafford County | $1,249,125 | $1,249,125 |
| Staunton (city) | $832,750 | $541,287 |
| Suffolk (city) | $832,750 | $757,850 |
| Surry County | $832,750 | $757,850 |
| Sussex County | $832,750 | $707,250 |
| Tazewell County | $832,750 | $541,287 |
| Virginia Beach (city) | $832,750 | $757,850 |
| Warren County | $1,249,125 | $1,249,125 |
| Washington County | $832,750 | $541,287 |
| Waynesboro (city) | $832,750 | $541,287 |
| Westmoreland County | $832,750 | $541,287 |
| Williamsburg (city) | $832,750 | $757,850 |
| Winchester (city) | $832,750 | $541,287 |
| Wise County | $832,750 | $541,287 |
| Wythe County | $832,750 | $541,287 |
| York County | $832,750 | $757,850 |
More for Virginia
Limits for 2026 from HUD’s county files; conforming limits are set by the Federal Housing Finance Agency.