Bedford County, Virginia has a 2026 one-unit conforming loan limit of $832,750, which is 2.8 times the county's median home value of $297,400, so a typical home there can be financed with a conforming (non-jumbo) loan; median household income is $78,937 (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) | $297,400 |
| Virginia median home value | $383,700 |
| Limit ÷ median home value | 2.80× |
| Median household income | $78,937 |
| Median home value ÷ income | 3.8× |
| Population | 80,894 |
| Median property tax paid (owners) | $1,285 |
| Effective property tax rate (approx.) | 0.43% |
| Owner-occupied homes | 84.7% |
| Home value rank in Virginia | 56 of 133 counties |
| Neighbor: Amherst County, VA | limit $832,750; median home $212,400 |
| Neighbor: Botetourt County, VA | limit $832,750; median home $289,200 |
| Neighbor: Campbell County, VA | limit $832,750; median home $211,600 |
| Neighbor: Franklin County, VA | limit $832,750; median home $240,400 |
| Neighbor: Pittsylvania County, VA | limit $832,750; median home $161,400 |
| Neighbor: Roanoke County, VA | limit $832,750; median home $286,000 |
| Neighbor: Rockbridge County, VA | limit $832,750; median home $248,800 |
| Neighbor: Lynchburg City, VA | limit $832,750; median home $229,800 |
Across Virginia's 133 counties, FHFA's 2026 one-unit limits range from $832,750 to $1,249,125, with 18 high-cost counties. Bedford County's median home value is 22% below the state median of $383,700 (rank 56 of 133). Among its 8 neighboring counties, Botetourt County has the highest median home value ($289,200) and Pittsylvania County the lowest ($161,400); all share the same loan limit. Owners pay a median $1,285 a year in property tax, an effective rate of about 0.43% 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.
Related
- 2026 conforming loan limit: Beckham County, OK
- 2026 conforming loan limit: Bedford County, PA
- 2026 conforming loan limit: Bedford County, TN
- 2026 conforming loan limit: Bee County, TX
- 2026 conforming loan limit: Belknap County, NH
- 2026 conforming loan limit: Bell County, KY
- 2026 conforming loan limit: Bell County, TX
- 2026 conforming loan limit: Belmont County, OH
Last updated 2026-10-16. Data only, not financial or tax advice.