Richmond County, Virginia has a 2026 one-unit conforming loan limit of $832,750, which is 3.6 times the county's median home value of $231,500, so a typical home there can be financed with a conforming (non-jumbo) loan; median household income is $66,304 (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) | $231,500 |
| Virginia median home value | $383,700 |
| Limit ÷ median home value | 3.60× |
| Median household income | $66,304 |
| Median home value ÷ income | 3.5× |
| Population | 9,095 |
| Median property tax paid (owners) | $1,290 |
| Effective property tax rate (approx.) | 0.56% |
| Owner-occupied homes | 74.7% |
| Home value rank in Virginia | 82 of 133 counties |
| Neighbor: Essex County, VA | limit $832,750; median home $238,100 |
| Neighbor: Lancaster County, VA | limit $832,750; median home $327,000 |
| Neighbor: Middlesex County, VA | limit $832,750; median home $352,200 |
| Neighbor: Northumberland County, VA | limit $832,750; median home $346,800 |
| Neighbor: Westmoreland County, VA | limit $832,750; median home $269,600 |
Across Virginia's 133 counties, FHFA's 2026 one-unit limits range from $832,750 to $1,249,125, with 18 high-cost counties. Richmond County's median home value is 40% below the state median of $383,700 (rank 82 of 133). Among its 5 neighboring counties, Middlesex County has the highest median home value ($352,200) and Essex County the lowest ($238,100); all share the same loan limit. Owners pay a median $1,290 a year in property tax, an effective rate of about 0.56% 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
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Last updated 2026-10-16. Data only, not financial or tax advice.