Virgin Islands Loan Limits

2021 Loan Limits

2021 Loan limits in Virgin Islands by county. Click on the map or table below to view loan limits for a particular county.

Virgin Islands Bar Graph

Loan Limits are the same across all of Virgin Islands. The conforming loan limits for a single-family home anywhere in Virgin Islands is $822,375.

Unlike other areas in the US, loan limits in Virgin Islands are not based on the median home price. Loan limits in Virgin Islands are set equal to the loan limit ceiling in accordance with the 2008 Housing and Economic Recovery Act (HERA) which mandates all loan limits in Virgin Islands be set to the maximum due to high cost of building homes.

View the loan limits overview for information on how loan limits are set for each county. Click on the a specific county from the table below for detailed loan limit information.

Counties in Virgin Islands (3)

High-Cost Counties

County Median Home Price Conforming Loan Limit for
Single-Family Home
St. Croix Island $285,000 $822,375
St. John Island $542,000 $822,375
St. Thomas Island $388,000 $822,375


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Data Source

HUD Seal

FHA Loan limits are published by the HUD. Conforming loan limits are published by Federal Housing Finance Agency (FHFA).

Last updated on January 2, 2021