Highest FHA limit in Virginia
$1,249,125
In 2026, FHA one-unit limits in Virginia range from $541,287 to $1,249,125 (Alexandria city). 79 of 133 counties use the national floor.
79 of 133counties at the $541,287 floor
All Virginia counties
| County | 1 unit | 2 units | 4 units | Conforming |
|---|---|---|---|---|
| Alexandria city | $1,249,125 | $1,599,375 | $2,402,625 | $1,249,125 |
| Arlington County | $1,249,125 | $1,599,375 | $2,402,625 | $1,249,125 |
| Clarke County | $1,249,125 | $1,599,375 | $2,402,625 | $1,249,125 |
| Culpeper County | $1,249,125 | $1,599,375 | $2,402,625 | $1,249,125 |
| Fairfax County | $1,249,125 | $1,599,375 | $2,402,625 | $1,249,125 |
| Fairfax city | $1,249,125 | $1,599,375 | $2,402,625 | $1,249,125 |
| Falls Church city | $1,249,125 | $1,599,375 | $2,402,625 | $1,249,125 |
| Fauquier County | $1,249,125 | $1,599,375 | $2,402,625 | $1,249,125 |
| Fredericksburg city | $1,249,125 | $1,599,375 | $2,402,625 | $1,249,125 |
| Loudoun County | $1,249,125 | $1,599,375 | $2,402,625 | $1,249,125 |
| Manassas Park city | $1,249,125 | $1,599,375 | $2,402,625 | $1,249,125 |
| Manassas city | $1,249,125 | $1,599,375 | $2,402,625 | $1,249,125 |
| Prince William County | $1,249,125 | $1,599,375 | $2,402,625 | $1,249,125 |
| Rappahannock County | $1,249,125 | $1,599,375 | $2,402,625 | $1,249,125 |
| Spotsylvania County | $1,249,125 | $1,599,375 | $2,402,625 | $1,249,125 |
| Stafford County | $1,249,125 | $1,599,375 | $2,402,625 | $1,249,125 |
| Warren County | $1,249,125 | $1,599,375 | $2,402,625 | $1,249,125 |
| Chesapeake city | $757,850 | $970,200 | $1,457,450 | $832,750 |
| Gloucester County | $757,850 | $970,200 | $1,457,450 | $832,750 |
| Hampton city | $757,850 | $970,200 | $1,457,450 | $832,750 |
| Isle of Wight County | $757,850 | $970,200 | $1,457,450 | $832,750 |
| James City County | $757,850 | $970,200 | $1,457,450 | $832,750 |
| Mathews County | $757,850 | $970,200 | $1,457,450 | $832,750 |
| Newport News city | $757,850 | $970,200 | $1,457,450 | $832,750 |
| Norfolk city | $757,850 | $970,200 | $1,457,450 | $832,750 |
| Poquoson city | $757,850 | $970,200 | $1,457,450 | $832,750 |
| Portsmouth city | $757,850 | $970,200 | $1,457,450 | $832,750 |
| Suffolk city | $757,850 | $970,200 | $1,457,450 | $832,750 |
| Surry County | $757,850 | $970,200 | $1,457,450 | $832,750 |
| Virginia Beach city | $757,850 | $970,200 | $1,457,450 | $832,750 |
| Williamsburg city | $757,850 | $970,200 | $1,457,450 | $832,750 |
| York County | $757,850 | $970,200 | $1,457,450 | $832,750 |
| Amelia County | $707,250 | $905,400 | $1,360,100 | $832,750 |
| Charles City County | $707,250 | $905,400 | $1,360,100 | $832,750 |
| Chesterfield County | $707,250 | $905,400 | $1,360,100 | $832,750 |
| Colonial Heights city | $707,250 | $905,400 | $1,360,100 | $832,750 |
| Dinwiddie County | $707,250 | $905,400 | $1,360,100 | $832,750 |
| Goochland County | $707,250 | $905,400 | $1,360,100 | $832,750 |
| Hanover County | $707,250 | $905,400 | $1,360,100 | $832,750 |
| Henrico County | $707,250 | $905,400 | $1,360,100 | $832,750 |
| Hopewell city | $707,250 | $905,400 | $1,360,100 | $832,750 |
| King William County | $707,250 | $905,400 | $1,360,100 | $832,750 |
| King and Queen County | $707,250 | $905,400 | $1,360,100 | $832,750 |
| New Kent County | $707,250 | $905,400 | $1,360,100 | $832,750 |
| Petersburg city | $707,250 | $905,400 | $1,360,100 | $832,750 |
| Powhatan County | $707,250 | $905,400 | $1,360,100 | $832,750 |
| Prince George County | $707,250 | $905,400 | $1,360,100 | $832,750 |
| Richmond city | $707,250 | $905,400 | $1,360,100 | $832,750 |
| Sussex County | $707,250 | $905,400 | $1,360,100 | $832,750 |
| Albemarle County | $598,000 | $765,550 | $1,150,000 | $832,750 |
| Charlottesville city | $598,000 | $765,550 | $1,150,000 | $832,750 |
| Fluvanna County | $598,000 | $765,550 | $1,150,000 | $832,750 |
| Greene County | $598,000 | $765,550 | $1,150,000 | $832,750 |
| Nelson County | $598,000 | $765,550 | $1,150,000 | $832,750 |
| Accomack County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Alleghany County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Amherst County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Appomattox County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Augusta County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Bath County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Bedford County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Bland County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Botetourt County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Bristol city | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Brunswick County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Buchanan County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Buckingham County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Buena Vista city | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Campbell County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Caroline County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Carroll County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Charlotte County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Covington city | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Craig County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Cumberland County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Danville city | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Dickenson County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Emporia city | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Essex County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Floyd County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Franklin County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Franklin city | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Frederick County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Galax city | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Giles County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Grayson County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Greensville County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Halifax County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Harrisonburg city | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Henry County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Highland County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| King George County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Lancaster County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Lee County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Lexington city | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Louisa County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Lunenburg County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Lynchburg city | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Madison County | $541,287 | $693,050 | $1,041,125 | $1,209,750 |
| Martinsville city | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Mecklenburg County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Middlesex County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Montgomery County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Northampton County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Northumberland County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Norton city | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Nottoway County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Orange County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Page County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Patrick County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Pittsylvania County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Prince Edward County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Pulaski County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Radford city | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Richmond County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Roanoke County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Roanoke city | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Rockbridge County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Rockingham County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Russell County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Salem city | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Scott County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Shenandoah County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Smyth County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Southampton County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Staunton city | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Tazewell County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Washington County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Waynesboro city | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Westmoreland County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Winchester city | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Wise County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Wythe County | $541,287 | $693,050 | $1,041,125 | $832,750 |
Sources: HUD FHA forward mortgage limits CY2026 (CHUMS file, case numbers assigned on or after Jan 1, 2026); FHFA 2026 conforming loan limits; Freddie Mac PMMS 30-year average 7.40% (week of 2026-10-15) for payment examples, which cover principal and interest only, before FHA mortgage insurance, taxes and insurance. Not lending advice.
Frequently asked questions
What is the FHA loan limit in Virginia for 2026?
In 2026, FHA one-unit limits in Virginia range from $541,287 to $1,249,125 (Alexandria city). 79 of 133 counties use the national floor.
What is the FHA floor for 2026?
$541,287 for a one-unit home. The high-cost ceiling is $1,249,125.