Chesapeake City, Virginia has a 2026 one-unit conforming loan limit of $832,750, which is 2.2 times the county's median home value of $378,400, so a typical home there can be financed with a conforming (non-jumbo) loan; median household income is $95,373 (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) | $378,400 |
| Virginia median home value | $383,700 |
| Limit ÷ median home value | 2.20× |
| Median household income | $95,373 |
| Median home value ÷ income | 4.0× |
| Population | 252,583 |
| Median property tax paid (owners) | $3,108 |
| Effective property tax rate (approx.) | 0.82% |
| Owner-occupied homes | 74.4% |
| Home value rank in Virginia | 30 of 133 counties |
| Neighbor: Camden County, NC | limit $832,750; median home $337,100 |
| Neighbor: Currituck County, NC | limit $832,750; median home $378,800 |
| Neighbor: Norfolk City, VA | limit $832,750; median home $289,900 |
| Neighbor: Portsmouth City, VA | limit $832,750; median home $246,900 |
| Neighbor: Suffolk City, VA | limit $832,750; median home $347,400 |
| Neighbor: Virginia Beach City, VA | limit $832,750; median home $382,500 |
Across Virginia's 133 counties, FHFA's 2026 one-unit limits range from $832,750 to $1,249,125, with 18 high-cost counties. Chesapeake City's median home value is 1% below the state median of $383,700 (rank 30 of 133). Among its 6 neighboring counties, Virginia Beach City has the highest median home value ($382,500) and Portsmouth City the lowest ($246,900); all share the same loan limit. Owners pay a median $3,108 a year in property tax, an effective rate of about 0.82% 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
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Last updated Oct 16, 2026, 10:42 PM ET. Data only, not financial or tax advice.
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