LoanGraphs

Virginia Loan Limits & Housing Market

2026 conforming and FHA loan limits for all 134 Virginia counties, plus monthly housing market data and affordability analysis.

VA

Conforming Limit (1-Unit)

$832,750

2026 baseline

Counties

134

With loan limit data

Data Coverage

Monthly

Updated with latest data

Virginia Counties

County FIPS Code Conforming Limit (1-Unit)
Accomack County51001$832,750
Albemarle County51003$832,750
Alexandria city51510$1,249,125
Alleghany County51005$832,750
Amelia County51007$832,750
Amherst County51009$832,750
Appomattox County51011$832,750
Arlington County51013$1,249,125
Augusta County51015$832,750
Bath County51017$832,750
Bedford city51515$832,750
Bedford County51019$832,750
Bland County51021$832,750
Botetourt County51023$832,750
Bristol city51520$832,750
Brunswick County51025$832,750
Buchanan County51027$832,750
Buckingham County51029$832,750
Buena Vista city51530$832,750
Campbell County51031$832,750
Caroline County51033$832,750
Carroll County51035$832,750
Charles City County51036$832,750
Charlotte County51037$832,750
Charlottesville city51540$832,750
Chesapeake city51550$832,750
Chesterfield County51041$832,750
Clarke County51043$1,249,125
Colonial Heights city51570$832,750
Covington city51580$832,750
Craig County51045$832,750
Culpeper County51047$1,249,125
Cumberland County51049$832,750
Danville city51590$832,750
Dickenson County51051$832,750
Dinwiddie County51053$832,750
Emporia city51595$832,750
Essex County51057$832,750
Fairfax city51600$1,249,125
Fairfax County51059$1,249,125
Falls Church city51610$1,249,125
Fauquier County51061$1,249,125
Floyd County51063$832,750
Fluvanna County51065$832,750
Franklin city51620$832,750
Franklin County51067$832,750
Frederick County51069$832,750
Fredericksburg city51630$1,249,125
Galax city51640$832,750
Giles County51071$832,750
Gloucester County51073$832,750
Goochland County51075$832,750
Grayson County51077$832,750
Greene County51079$832,750
Greensville County51081$832,750
Halifax County51083$832,750
Hampton city51650$832,750
Hanover County51085$832,750
Harrisonburg city51660$832,750
Henrico County51087$832,750
Henry County51089$832,750
Highland County51091$832,750
Hopewell city51670$832,750
Isle of Wight County51093$832,750
James City County51095$832,750
King and Queen County51097$832,750
King George County51099$832,750
King William County51101$832,750
Lancaster County51103$832,750
Lee County51105$832,750
Lexington city51678$832,750
Loudoun County51107$1,249,125
Louisa County51109$832,750
Lunenburg County51111$832,750
Lynchburg city51680$832,750
Madison County51113$1,209,750
Manassas city51683$1,249,125
Manassas Park city51685$1,249,125
Martinsville city51690$832,750
Mathews County51115$832,750
Mecklenburg County51117$832,750
Middlesex County51119$832,750
Montgomery County51121$832,750
Nelson County51125$832,750
New Kent County51127$832,750
Newport News city51700$832,750
Norfolk city51710$832,750
Northampton County51131$832,750
Northumberland County51133$832,750
Norton city51720$832,750
Nottoway County51135$832,750
Orange County51137$832,750
Page County51139$832,750
Patrick County51141$832,750
Petersburg city51730$832,750
Pittsylvania County51143$832,750
Poquoson city51735$832,750
Portsmouth city51740$832,750
Powhatan County51145$832,750
Prince Edward County51147$832,750
Prince George County51149$832,750
Prince William County51153$1,249,125
Pulaski County51155$832,750
Radford city51750$832,750
Rappahannock County51157$1,249,125
Richmond city51760$832,750
Richmond County51159$832,750
Roanoke city51770$832,750
Roanoke County51161$832,750
Rockbridge County51163$832,750
Rockingham County51165$832,750
Russell County51167$832,750
Salem city51775$832,750
Scott County51169$832,750
Shenandoah County51171$832,750
Smyth County51173$832,750
Southampton County51175$832,750
Spotsylvania County51177$1,249,125
Stafford County51179$1,249,125
Staunton city51790$832,750
Suffolk city51800$832,750
Surry County51181$832,750
Sussex County51183$832,750
Tazewell County51185$832,750
Virginia Beach city51810$832,750
Warren County51187$1,249,125
Washington County51191$832,750
Waynesboro city51820$832,750
Westmoreland County51193$832,750
Williamsburg city51830$832,750
Winchester city51840$832,750
Wise County51195$832,750
Wythe County51197$832,750
York County51199$832,750

Mortgage Calculator

Estimate your monthly payment for a home in Virginia.

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Estimated Monthly Payment

$2,935

Principal & Interest$2,335
Property Tax$450
Insurance$150
Loan Amount$360,000
Total Interest$480,582
Income Required$125,784/yr

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