Northampton 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 $316,200, so a typical home there can be financed with a conforming (non-jumbo) loan; median household income is $61,632 (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) | $316,200 |
| Virginia median home value | $383,700 |
| Limit ÷ median home value | 2.63× |
| Median household income | $61,632 |
| Median home value ÷ income | 5.1× |
| Population | 12,059 |
| Median property tax paid (owners) | $1,807 |
| Effective property tax rate (approx.) | 0.57% |
| Owner-occupied homes | 66.1% |
| Home value rank in Virginia | 47 of 133 counties |
| Neighbor: Accomack County, VA | limit $832,750; median home $204,300 |
| Neighbor: Mathews County, VA | limit $832,750; median home $360,900 |
| Neighbor: Middlesex County, VA | limit $832,750; median home $352,200 |
| Neighbor: York County, VA | limit $832,750; median home $433,200 |
| Neighbor: Hampton City, VA | limit $832,750; median home $245,700 |
| Neighbor: Norfolk City, VA | limit $832,750; median home $289,900 |
| Neighbor: Poquoson City, VA | limit $832,750; median home $400,300 |
| Neighbor: Virginia Beach City, VA | limit $832,750; median home $382,500 |
Across Virginia's 133 counties, FHFA's 2026 one-unit limits range from $832,750 to $1,249,125, with 18 high-cost counties. Northampton County's median home value is 18% below the state median of $383,700 (rank 47 of 133). Among its 8 neighboring counties, York County has the highest median home value ($433,200) and Accomack County the lowest ($204,300); all share the same loan limit. Owners pay a median $1,807 a year in property tax, an effective rate of about 0.57% 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.