Lynchburg City, Virginia has a 2026 one-unit conforming loan limit of $832,750, which is 3.6 times the county's median home value of $229,800, so a typical home there can be financed with a conforming (non-jumbo) loan; median household income is $57,947 (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) | $229,800 |
| Virginia median home value | $383,700 |
| Limit ÷ median home value | 3.62× |
| Median household income | $57,947 |
| Median home value ÷ income | 4.0× |
| Population | 79,497 |
| Median property tax paid (owners) | $1,804 |
| Effective property tax rate (approx.) | 0.79% |
| Owner-occupied homes | 48.9% |
| Home value rank in Virginia | 83 of 133 counties |
| Neighbor: Amherst County, VA | limit $832,750; median home $212,400 |
| Neighbor: Bedford County, VA | limit $832,750; median home $297,400 |
| Neighbor: Campbell County, VA | limit $832,750; median home $211,600 |
Across Virginia's 133 counties, FHFA's 2026 one-unit limits range from $832,750 to $1,249,125, with 18 high-cost counties. Lynchburg City's median home value is 40% below the state median of $383,700 (rank 83 of 133). Among its 3 neighboring counties, Bedford County has the highest median home value ($297,400) and Campbell County the lowest ($211,600); all share the same loan limit. Owners pay a median $1,804 a year in property tax, an effective rate of about 0.79% 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.