Guam and the U.S. Virgin Islands conforming loan limits 2026
Guam and U.S. Virgin Islands are covered on one page because their position is identical: both are island territories outside the contiguous United States whose baseline is itself set at 150% of the contiguous $832,750 baseline — $1,249,125 — and neither has a separate high-cost area of its own in 2026. Every county-equivalent in both is on $1,249,125, so no figure here is lower and none is higher.
Guam
Guam is an unincorporated territory of the United States. It has 1 county-equivalent, all on $1,249,125 for a one-unit property, which is the higher statutory baseline.
U.S. Virgin Islands
The U.S. Virgin Islands are an organized, unincorporated territory of the United States. It has 3 county-equivalents, all on $1,249,125 for a one-unit property, which is the higher statutory baseline.
Every county-equivalent covered here
| County-equivalent | Territory | 1-unit 2026 | 2025 | 2024 | Change |
|---|---|---|---|---|---|
| Guam | Guam | $1,249,125 | $1,209,750 | $1,149,825 | +3.3% |
| St. Croix Island | U.S. Virgin Islands | $1,249,125 | $1,209,750 | $1,149,825 | +3.3% |
| St. John Island | U.S. Virgin Islands | $1,249,125 | $1,209,750 | $1,149,825 | +3.3% |
| St. Thomas Island | U.S. Virgin Islands | $1,249,125 | $1,209,750 | $1,149,825 | +3.3% |
What the limit buys and costs
| Down payment | Maximum purchase price |
|---|---|
| 5% down | $1,314,868 |
| 10% down | $1,387,917 |
| 15% down | $1,469,559 |
| 20% down | $1,561,406 |
| 25% down | $1,665,500 |
| Rate | Monthly P&I, 30 yr | Monthly P&I, 15 yr |
|---|---|---|
| 6.0% fixed | $7,489 | $10,541 |
| 6.5% fixed | $7,895 | $10,881 |
| 7.0% fixed | $8,310 | $11,227 |
Principal and interest only, on a loan of exactly $1,249,125 — the largest conventional loan allowed in these areas before the loan becomes jumbo. Taxes, insurance and mortgage insurance are excluded.
Frequently asked
Do Guam and the U.S. Virgin Islands have high-cost areas?
No. Neither territory has an area set above the higher statutory baseline in 2026, so $1,249,125 is the figure everywhere in both.
Why is the limit higher than the mainland baseline?
Alaska, Hawaii, Guam and the U.S. Virgin Islands have their baseline set at 150% of the contiguous $832,750 baseline, which is $1,249,125.
Is $1,249,125 the ceiling or the floor here?
Both. It is the statutory baseline for both territories and also the highest figure that may be assigned in them.