Stewardship Capital
The conforming and FHA loan limits for all 133 counties in Virginia, effective for 2026. Conforming limits come from the Federal Housing Finance Agency, FHA limits from HUD.
Baseline conforming
$832,750
One unit, most counties
Highest in Virginia
$1,249,125
Alexandria City
FHA range
$541,287 – $1,249,125
One unit, by county
18 of Virginia's 133 counties are designated high-cost, which means the conforming limit there is above the national baseline. The highest in the state is Alexandria City at $1,249,125 for a one-unit home.
| 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 County | $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 County | $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 |
Not sure which limit applies to your purchase? Stewardship Capital works with buyers and homeowners in Virginia. Talk it through with Stephen.
The baseline conforming loan limit in Virginia for 2026 is $832,750 for a one-unit home. In Virginia's 18 high-cost counties it is higher, up to $1,249,125 in Alexandria City.
FHA loan limits in Virginia range from $541,287 to $1,249,125 for a one-unit home, depending on the county. The national FHA floor is $541,287 and the ceiling is $1,249,125.
A high balance loan is a conforming loan in a county whose limit is above the national baseline of $832,750. It still follows Fannie Mae and Freddie Mac guidelines, so it is not a jumbo loan, though it usually prices a little differently.
A loan above the county's conforming limit is a jumbo loan. Jumbo loans are held by individual investors rather than bought by Fannie Mae or Freddie Mac, so the qualifying guidelines are set by each investor and tend to be stricter on credit, reserves and down payment.
Yes, and they are higher. Every county has four limits, one for each size of property from one unit up to four units. The figures on this page are the one-unit limits, which is what most buyers need.
About these numbers. Conforming limits are published each year by the Federal Housing Finance Agency and apply to loans bought by Fannie Mae and Freddie Mac. FHA limits are published by the U.S. Department of Housing and Urban Development. Both are effective for 2026. Limits are set by county and by the number of units, and they are not a quote, a commitment to lend or an offer of credit. Stephen Chakerian, NMLS #2193331 | Stewardship Capital, a team of Barrett Financial Group, L.L.C., NMLS #181106 | Equal Housing Opportunity.
