Albemarle County, Virginia has a 2026 one-unit conforming loan limit of $832,750, which is 1.7 times the county's median home value of $495,400, so a typical home there can be financed with a conforming (non-jumbo) loan; median household income is $104,392 (FHFA; Census ACS 2020–2024).
Data as of 2026. Source: FHFA 2026 conforming loan limits; U.S. Census Bureau ACS 2020–2024
| Item | Value |
|---|---|
| 1-unit limit (2026) | $832,750 |
| 2-unit limit | $1,066,250 |
| 3-unit limit | $1,288,800 |
| 4-unit limit | $1,601,750 |
| Median home value (ACS 2020–24) | $495,400 |
| Virginia median home value | $383,700 |
| Limit ÷ median home value | 1.68× |
| Median household income | $104,392 |
| Median home value ÷ income | 4.7× |
| Population | 114,919 |
| Median property tax paid (owners) | $3,719 |
| Effective property tax rate (approx.) | 0.75% |
| Owner-occupied homes | 65.9% |
| Home value rank in Virginia | 12 of 133 counties |
| Neighbor: Augusta County, VA | limit $832,750; median home $306,100 |
| Neighbor: Buckingham County, VA | limit $832,750; median home $173,400 |
| Neighbor: Fluvanna County, VA | limit $832,750; median home $314,100 |
| Neighbor: Greene County, VA | limit $832,750; median home $343,300 |
| Neighbor: Louisa County, VA | limit $832,750; median home $315,300 |
| Neighbor: Nelson County, VA | limit $832,750; median home $321,700 |
| Neighbor: Orange County, VA | limit $832,750; median home $364,200 |
| Neighbor: Rockingham County, VA | limit $832,750; median home $313,000 |
Across Virginia's 133 counties, FHFA's 2026 one-unit limits range from $832,750 to $1,249,125, with 18 high-cost counties. Albemarle County's median home value is 29% above the state median of $383,700 (rank 12 of 133). Among its 8 neighboring counties, Orange County has the highest median home value ($364,200) and Buckingham County the lowest ($173,400); all share the same loan limit. Owners pay a median $3,719 a year in property tax, an effective rate of about 0.75% of home value.
County data: U.S. Census Bureau, American Community Survey 5-year estimates 2020–2024 (tables B25077, B19013, B01003, B25103, B25003). Neighbors: Census county adjacency file.
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Last updated 2026-10-16. Data only, not financial or tax advice.