Fredericksburg City, Virginia has a 2026 one-unit conforming loan limit of $1,249,125, which is 2.6 times the county's median home value of $483,700, so a typical home there can be financed with a conforming (non-jumbo) loan; median household income is $86,071 (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) | $1,249,125 |
| 2-unit limit | $1,599,375 |
| 3-unit limit | $1,933,200 |
| 4-unit limit | $2,402,625 |
| Median home value (ACS 2020–24) | $483,700 |
| Virginia median home value | $383,700 |
| Limit ÷ median home value | 2.58× |
| Median household income | $86,071 |
| Median home value ÷ income | 5.6× |
| Population | 28,873 |
| Median property tax paid (owners) | $2,907 |
| Effective property tax rate (approx.) | 0.60% |
| Owner-occupied homes | 39.7% |
| Home value rank in Virginia | 15 of 133 counties |
| Neighbor: Spotsylvania County, VA | limit $1,249,125; median home $404,900 |
| Neighbor: Stafford County, VA | limit $1,249,125; median home $485,100 |
Across Virginia's 133 counties, FHFA's 2026 one-unit limits range from $832,750 to $1,249,125, with 18 high-cost counties. Fredericksburg City's median home value is 26% above the state median of $383,700 (rank 15 of 133). Among its 2 neighboring counties, Stafford County has the highest median home value ($485,100) and Spotsylvania County the lowest ($404,900); all share the same loan limit. Owners pay a median $2,907 a year in property tax, an effective rate of about 0.60% 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.