Frederick County, Virginia has a 2026 one-unit conforming loan limit of $832,750, which is 2.2 times the county's median home value of $386,000, so a typical home there can be financed with a conforming (non-jumbo) loan; median household income is $97,606 (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) | $386,000 |
| Virginia median home value | $383,700 |
| Limit ÷ median home value | 2.16× |
| Median household income | $97,606 |
| Median home value ÷ income | 4.0× |
| Population | 95,008 |
| Median property tax paid (owners) | $1,846 |
| Effective property tax rate (approx.) | 0.48% |
| Owner-occupied homes | 79.3% |
| Home value rank in Virginia | 28 of 133 counties |
| Neighbor: Clarke County, VA | limit $1,249,125; median home $550,100 |
| Neighbor: Shenandoah County, VA | limit $832,750; median home $294,900 |
| Neighbor: Warren County, VA | limit $1,249,125; median home $348,400 |
| Neighbor: Winchester City, VA | limit $832,750; median home $343,000 |
| Neighbor: Berkeley County, WV | limit $832,750; median home $266,300 |
| Neighbor: Hampshire County, WV | limit $832,750; median home $219,200 |
| Neighbor: Hardy County, WV | limit $832,750; median home $166,300 |
| Neighbor: Jefferson County, WV | limit $1,249,125; median home $350,800 |
Across Virginia's 133 counties, FHFA's 2026 one-unit limits range from $832,750 to $1,249,125, with 18 high-cost counties. Frederick County's median home value is 1% above the state median of $383,700 (rank 28 of 133). Among its 8 neighboring counties, Clarke County has the highest median home value ($550,100) and Hardy County the lowest ($166,300); 3 neighbor(s) have a different loan limit. Owners pay a median $1,846 a year in property tax, an effective rate of about 0.48% 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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- 2026 conforming loan limit: Fremont County, CO
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Last updated 2026-10-16. Data only, not financial or tax advice.