James City County, Virginia has a 2026 one-unit conforming loan limit of $832,750, which is 1.9 times the county's median home value of $447,200, so a typical home there can be financed with a conforming (non-jumbo) loan; median household income is $109,985 (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) | $447,200 |
| Virginia median home value | $383,700 |
| Limit ÷ median home value | 1.86× |
| Median household income | $109,985 |
| Median home value ÷ income | 4.1× |
| Population | 81,013 |
| Median property tax paid (owners) | $2,901 |
| Effective property tax rate (approx.) | 0.65% |
| Owner-occupied homes | 76.7% |
| Home value rank in Virginia | 17 of 133 counties |
| Neighbor: Charles City County, VA | limit $832,750; median home $241,400 |
| Neighbor: Gloucester County, VA | limit $832,750; median home $331,000 |
| Neighbor: Isle Of Wight County, VA | limit $832,750; median home $356,500 |
| Neighbor: King And Queen County, VA | limit $832,750; median home $231,600 |
| Neighbor: New Kent County, VA | limit $832,750; median home $393,600 |
| Neighbor: Surry County, VA | limit $832,750; median home $238,800 |
| Neighbor: York County, VA | limit $832,750; median home $433,200 |
| Neighbor: Newport News City, VA | limit $832,750; median home $260,600 |
Across Virginia's 133 counties, FHFA's 2026 one-unit limits range from $832,750 to $1,249,125, with 18 high-cost counties. James City County's median home value is 17% above the state median of $383,700 (rank 17 of 133). Among its 8 neighboring counties, York County has the highest median home value ($433,200) and King And Queen County the lowest ($231,600); all share the same loan limit. Owners pay a median $2,901 a year in property tax, an effective rate of about 0.65% 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.