Surry County, Virginia has a 2026 one-unit conforming loan limit of $832,750, which is 3.5 times the county's median home value of $238,800, so a typical home there can be financed with a conforming (non-jumbo) loan; median household income is $78,041 (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) | $238,800 |
| Virginia median home value | $383,700 |
| Limit ÷ median home value | 3.49× |
| Median household income | $78,041 |
| Median home value ÷ income | 3.1× |
| Population | 6,549 |
| Median property tax paid (owners) | $1,651 |
| Effective property tax rate (approx.) | 0.69% |
| Owner-occupied homes | 79.5% |
| Home value rank in Virginia | 78 of 133 counties |
| Neighbor: Charles City County, VA | limit $832,750; median home $241,400 |
| Neighbor: Isle Of Wight County, VA | limit $832,750; median home $356,500 |
| Neighbor: James City County, VA | limit $832,750; median home $447,200 |
| Neighbor: Prince George County, VA | limit $832,750; median home $293,400 |
| Neighbor: Southampton County, VA | limit $832,750; median home $216,200 |
| Neighbor: Sussex County, VA | limit $832,750; median home $183,800 |
| Neighbor: Newport News City, VA | limit $832,750; median home $260,600 |
Across Virginia's 133 counties, FHFA's 2026 one-unit limits range from $832,750 to $1,249,125, with 18 high-cost counties. Surry County's median home value is 38% below the state median of $383,700 (rank 78 of 133). Among its 7 neighboring counties, James City County has the highest median home value ($447,200) and Sussex County the lowest ($183,800); all share the same loan limit. Owners pay a median $1,651 a year in property tax, an effective rate of about 0.69% 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: Sumter County, SC
- 2026 conforming loan limit: Sunflower County, MS
- 2026 conforming loan limit: Surry County, NC
- 2026 conforming loan limit: Susquehanna County, PA
- 2026 conforming loan limit: Sussex County, DE
- 2026 conforming loan limit: Sussex County, NJ
- 2026 conforming loan limit: Sussex County, VA
- 2026 conforming loan limit: Sutter County, CA
Last updated 2026-10-16. Data only, not financial or tax advice.