Madison County, Virginia has a 2026 one-unit conforming loan limit of $1,209,750, which is 3.3 times the county's median home value of $370,300, so a typical home there can be financed with a conforming (non-jumbo) loan; median household income is $84,323 (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) | $1,209,750 |
| 2-unit limit | $1,548,975 |
| 3-unit limit | $1,872,225 |
| 4-unit limit | $2,326,875 |
| Median home value (ACS 2020–24) | $370,300 |
| Virginia median home value | $383,700 |
| Limit ÷ median home value | 3.27× |
| Median household income | $84,323 |
| Median home value ÷ income | 4.4× |
| Population | 14,044 |
| Median property tax paid (owners) | $1,968 |
| Effective property tax rate (approx.) | 0.53% |
| Owner-occupied homes | 77.8% |
| Home value rank in Virginia | 31 of 133 counties |
| Neighbor: Culpeper County, VA | limit $1,249,125; median home $409,200 |
| Neighbor: Greene County, VA | limit $832,750; median home $343,300 |
| Neighbor: Orange County, VA | limit $832,750; median home $364,200 |
| Neighbor: Page County, VA | limit $832,750; median home $233,200 |
| Neighbor: Rappahannock County, VA | limit $1,249,125; median home $506,400 |
Across Virginia's 133 counties, FHFA's 2026 one-unit limits range from $832,750 to $1,249,125, with 18 high-cost counties. Madison County's median home value is 3% below the state median of $383,700 (rank 31 of 133). Among its 5 neighboring counties, Rappahannock County has the highest median home value ($506,400) and Page County the lowest ($233,200); 5 neighbor(s) have a different loan limit. Owners pay a median $1,968 a year in property tax, an effective rate of about 0.53% 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: Madison County, OH
- 2026 conforming loan limit: Madison County, TN
- 2026 conforming loan limit: Madison County, TX
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- 2026 conforming loan limit: Mahnomen County, MN
- 2026 conforming loan limit: Mahoning County, OH
Last updated 2026-10-16. Data only, not financial or tax advice.