Roanoke City, Virginia has a 2026 one-unit conforming loan limit of $832,750, which is 4.4 times the county's median home value of $190,500, so a typical home there can be financed with a conforming (non-jumbo) loan; median household income is $55,378 (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) | $190,500 |
| Virginia median home value | $383,700 |
| Limit ÷ median home value | 4.37× |
| Median household income | $55,378 |
| Median home value ÷ income | 3.4× |
| Population | 98,355 |
| Median property tax paid (owners) | $1,893 |
| Effective property tax rate (approx.) | 0.99% |
| Owner-occupied homes | 52.4% |
| Home value rank in Virginia | 97 of 133 counties |
| Neighbor: Roanoke County, VA | limit $832,750; median home $286,000 |
| Neighbor: Salem City, VA | limit $832,750; median home $258,600 |
Across Virginia's 133 counties, FHFA's 2026 one-unit limits range from $832,750 to $1,249,125, with 18 high-cost counties. Roanoke City's median home value is 50% below the state median of $383,700 (rank 97 of 133). Among its 2 neighboring counties, Roanoke County has the highest median home value ($286,000) and Salem City the lowest ($258,600); all share the same loan limit. Owners pay a median $1,893 a year in property tax, an effective rate of about 0.99% 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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- 2026 conforming loan limit: Roanoke County, VA
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Last updated 2026-10-16. Data only, not financial or tax advice.