Virginia conforming loan limits 2026
Virginia has 133 counties. 18 of them sit on a figure above the $832,750 baseline, spread over 2 distinct figures; the highest in the state is $1,249,125.
18 of its 133 counties qualify for a high-cost figure above the $832,750 baseline. For 2026, the figure moved in 132 of its 133 counties and 1 stayed the same.
Virginia ranks 3rd of 56 jurisdictions by county count, and 2nd by highest limit. Of its counties, 86 sit inside a metropolitan or micropolitan area, across 15 such areas. Counties here share statistical areas with counties on a higher figure in District of Columbia, Maryland and West Virginia.
Highest limit in state
$1,249,125
Counties above baseline
18
Distinct figures
2
each figure is set for a whole area
Figures used in Virginia
- $1,249,125 — 17 counties in Virginia (75 counties in all)
- $1,209,750 — 1 county in Virginia (27 counties in all)
All counties in Virginia
| County | 1-unit 2026 | 2025 | 2024 | Change | Counties sharing this figure |
|---|---|---|---|---|---|
| Accomack County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Albemarle County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Alexandria City | $1,249,125 | $1,209,750 | $1,149,825 | +3.3% | 75 in all |
| Alleghany County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Amelia County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Amherst County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Appomattox County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Arlington County | $1,249,125 | $1,209,750 | $1,149,825 | +3.3% | 75 in all |
| Augusta County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Bath County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Bedford County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Bland County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Botetourt County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Bristol City | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Brunswick County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Buchanan County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Buckingham County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Buena Vista City | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Campbell County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Caroline County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Carroll County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Charles City County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Charlotte County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Charlottesville City | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Chesapeake City | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Chesterfield County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Clarke County | $1,249,125 | $1,209,750 | $1,149,825 | +3.3% | 75 in all |
| Colonial Heights City | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Covington City | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Craig County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Culpeper County | $1,249,125 | $1,209,750 | $1,149,825 | +3.3% | 75 in all |
| Cumberland County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Danville City | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Dickenson County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Dinwiddie County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Emporia City | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Essex County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Fairfax City | $1,249,125 | $1,209,750 | $1,149,825 | +3.3% | 75 in all |
| Fairfax County | $1,249,125 | $1,209,750 | $1,149,825 | +3.3% | 75 in all |
| Falls Church City | $1,249,125 | $1,209,750 | $1,149,825 | +3.3% | 75 in all |
| Fauquier County | $1,249,125 | $1,209,750 | $1,149,825 | +3.3% | 75 in all |
| Floyd County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Fluvanna County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Franklin City | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Franklin County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Frederick County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Fredericksburg City | $1,249,125 | $1,209,750 | $1,149,825 | +3.3% | 75 in all |
| Galax City | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Giles County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Gloucester County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Goochland County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Grayson County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Greene County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Greensville County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Halifax County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Hampton City | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Hanover County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Harrisonburg City | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Henrico County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Henry County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Highland County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Hopewell City | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Isle Of Wight County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| James City County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| King And Queen County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| King George County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| King William County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Lancaster County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Lee County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Lexington City | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Loudoun County | $1,249,125 | $1,209,750 | $1,149,825 | +3.3% | 75 in all |
| Louisa County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Lunenburg County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Lynchburg City | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Madison County | $1,209,750 | $1,209,750 | $1,149,825 | +0.0% | 27 in all |
| Manassas City | $1,249,125 | $1,209,750 | $1,149,825 | +3.3% | 75 in all |
| Manassas Park City | $1,249,125 | $1,209,750 | $1,149,825 | +3.3% | 75 in all |
| Martinsville City | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Mathews County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Mecklenburg County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Middlesex County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Montgomery County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Nelson County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| New Kent County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Newport News City | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Norfolk City | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Northampton County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Northumberland County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Norton City | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Nottoway County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Orange County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Page County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Patrick County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Petersburg City | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Pittsylvania County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Poquoson City | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Portsmouth City | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Powhatan County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Prince Edward County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Prince George County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Prince William County | $1,249,125 | $1,209,750 | $1,149,825 | +3.3% | 75 in all |
| Pulaski County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Radford City | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Rappahannock County | $1,249,125 | $1,209,750 | $1,149,825 | +3.3% | 75 in all |
| Richmond City | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Richmond County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Roanoke City | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Roanoke County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Rockbridge County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Rockingham County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Russell County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Salem City | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Scott County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Shenandoah County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Smyth County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Southampton County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Spotsylvania County | $1,249,125 | $1,209,750 | $1,149,825 | +3.3% | 75 in all |
| Stafford County | $1,249,125 | $1,209,750 | $1,149,825 | +3.3% | 75 in all |
| Staunton City | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Suffolk City | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Surry County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Sussex County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Tazewell County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Virginia Beach City | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Warren County | $1,249,125 | $1,209,750 | $1,149,825 | +3.3% | 75 in all |
| Washington County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Waynesboro City | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Westmoreland County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Williamsburg City | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Winchester City | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Wise County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Wythe County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| York County | $832,750 | $806,500 | $766,550 | +3.3% | — |
Where several counties carry the same figure, it is set for the metropolitan or micropolitan area they belong to rather than for the county line. County names in the table link to the figure that applies to them, or to the calculator for counties on the baseline.
Frequently asked
Does all of Virginia use the baseline conforming loan limit?
No. 18 of 133 counties are above the $832,750 baseline, and the state's highest limit is $1,249,125.
What counts as a jumbo loan in Virginia?
Any mortgage above the figure for the area where the property is. In baseline counties that is a loan above $832,750.
Can I check a county that has no page of its own?
The calculator covers all 3235 counties, including every county listed above.