Louisa County, Virginia has a 2026 one-unit conforming loan limit of $832,750, which is 2.6 times the county's median home value of $315,300, so a typical home there can be financed with a conforming (non-jumbo) loan; median household income is $86,689 (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) | $315,300 |
| Virginia median home value | $383,700 |
| Limit ÷ median home value | 2.64× |
| Median household income | $86,689 |
| Median home value ÷ income | 3.6× |
| Population | 39,980 |
| Median property tax paid (owners) | $1,883 |
| Effective property tax rate (approx.) | 0.60% |
| Owner-occupied homes | 82.2% |
| Home value rank in Virginia | 49 of 133 counties |
| Neighbor: Albemarle County, VA | limit $832,750; median home $495,400 |
| Neighbor: Fluvanna County, VA | limit $832,750; median home $314,100 |
| Neighbor: Goochland County, VA | limit $832,750; median home $500,600 |
| Neighbor: Hanover County, VA | limit $832,750; median home $400,400 |
| Neighbor: Orange County, VA | limit $832,750; median home $364,200 |
| Neighbor: Spotsylvania County, VA | limit $1,249,125; median home $404,900 |
Across Virginia's 133 counties, FHFA's 2026 one-unit limits range from $832,750 to $1,249,125, with 18 high-cost counties. Louisa County's median home value is 18% below the state median of $383,700 (rank 49 of 133). Among its 6 neighboring counties, Goochland County has the highest median home value ($500,600) and Fluvanna County the lowest ($314,100); 1 neighbor(s) have a different loan limit. Owners pay a median $1,883 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.
Related
- 2026 conforming loan limit: Loudon County, TN
- 2026 conforming loan limit: Loudoun County, VA
- 2026 conforming loan limit: Louisa County, IA
- 2026 conforming loan limits in Louisiana by county
- 2026 conforming loan limit: Loup County, NE
- 2026 conforming loan limit: Love County, OK
- 2026 conforming loan limit: Loving County, TX
- 2026 conforming loan limit: Lower Connecticut River Valley Planning Region, CT
Last updated 2026-10-16. Data only, not financial or tax advice.