Essex County, Virginia has a 2026 one-unit conforming loan limit of $832,750, which is 3.5 times the county's median home value of $238,100, so a typical home there can be financed with a conforming (non-jumbo) loan; median household income is $56,520 (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) | $238,100 |
| Virginia median home value | $383,700 |
| Limit ÷ median home value | 3.50× |
| Median household income | $56,520 |
| Median home value ÷ income | 4.2× |
| Population | 10,623 |
| Median property tax paid (owners) | $1,348 |
| Effective property tax rate (approx.) | 0.57% |
| Owner-occupied homes | 71.7% |
| Home value rank in Virginia | 79 of 133 counties |
| Neighbor: Caroline County, VA | limit $832,750; median home $307,700 |
| Neighbor: King And Queen County, VA | limit $832,750; median home $231,600 |
| Neighbor: King George County, VA | limit $832,750; median home $428,300 |
| Neighbor: Lancaster County, VA | limit $832,750; median home $327,000 |
| Neighbor: Middlesex County, VA | limit $832,750; median home $352,200 |
| Neighbor: Richmond County, VA | limit $832,750; median home $231,500 |
| Neighbor: Westmoreland County, VA | limit $832,750; median home $269,600 |
Across Virginia's 133 counties, FHFA's 2026 one-unit limits range from $832,750 to $1,249,125, with 18 high-cost counties. Essex County's median home value is 38% below the state median of $383,700 (rank 79 of 133). Among its 7 neighboring counties, King George County has the highest median home value ($428,300) and Richmond County the lowest ($231,500); all share the same loan limit. Owners pay a median $1,348 a year in property tax, an effective rate of about 0.57% 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: Essex County, MA
- 2026 conforming loan limit: Essex County, NJ
- 2026 conforming loan limit: Essex County, NY
- 2026 conforming loan limit: Essex County, VT
- 2026 conforming loan limit: Estill County, KY
- 2026 conforming loan limit: Etowah County, AL
- 2026 conforming loan limit: Eureka County, NV
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Last updated 2026-10-16. Data only, not financial or tax advice.