Virginia Loan Limits

2022 Loan Limits

2022 Loan limits in Virginia by county. Click on the map or table below to view loan limits for a particular county.

Virginia Map

Minimum Loan Limit
Maximum Loan Limit

Virginia has 133 counties, with conforming loan limits for a single-family home ranging from $647,200 in Accomack County to $970,800 in Prince William County.

Virginia has 115 counties with standard or low-cost loan limits equal to the national baseline; 18 counties with high-cost loan limits equal to the national ceiling; and 0 counties with mid-range loan limits that are between the baseline and ceiling.

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 Virginia (133)

High-Cost Counties

County Median Home Price Conforming Loan Limit for
Single-Family Home
Arlington County $975,000 $970,800
Clarke County $975,000 $970,800
Culpeper County $975,000 $970,800
Fairfax County $975,000 $970,800
Fauquier County $975,000 $970,800
Loudoun County $975,000 $970,800
Madison County $975,000 $970,800
Prince William County $975,000 $970,800
Rappahannock County $975,000 $970,800
Spotsylvania County $975,000 $970,800
Stafford County $975,000 $970,800
Warren County $975,000 $970,800
Alexandria city $975,000 $970,800
Fairfax city $975,000 $970,800
Falls Church city $975,000 $970,800
Fredericksburg city $975,000 $970,800
Manassas city $975,000 $970,800
Manassas Park city $975,000 $970,800

Low-Cost Counties

County Median Home Price Conforming Loan Limit for
Single-Family Home
Accomack County $169,000 $647,200
Albemarle County $400,000 $647,200
Alleghany County $163,000 $647,200
Amelia County $466,000 $647,200
Amherst County $279,000 $647,200
Appomattox County $279,000 $647,200
Augusta County $269,000 $647,200
Bath County $136,000 $647,200
Bedford County $279,000 $647,200
Bland County $146,000 $647,200
Botetourt County $264,000 $647,200
Brunswick County $197,000 $647,200
Buchanan County $109,000 $647,200
Buckingham County $155,000 $647,200
Campbell County $279,000 $647,200
Caroline County $466,000 $647,200
Carroll County $150,000 $647,200
Charles City County $466,000 $647,200
Charlotte County $124,000 $647,200
Chesterfield County $466,000 $647,200
Craig County $264,000 $647,200
Cumberland County $466,000 $647,200
Dickenson County $90,000 $647,200
Dinwiddie County $466,000 $647,200
Essex County $199,000 $647,200
Floyd County $180,000 $647,200
Fluvanna County $400,000 $647,200
Franklin County $264,000 $647,200
Frederick County $315,000 $647,200
Giles County $254,000 $647,200
Gloucester County $425,000 $647,200
Goochland County $466,000 $647,200
Grayson County $120,000 $647,200
Greene County $400,000 $647,200
Greensville County $139,000 $647,200
Halifax County $127,000 $647,200
Hanover County $466,000 $647,200
Henrico County $466,000 $647,200
Henry County $134,000 $647,200
Highland County $203,000 $647,200
Isle of Wight County $425,000 $647,200
James City County $425,000 $647,200
King and Queen County $466,000 $647,200
King George County $340,000 $647,200
King William County $466,000 $647,200
Lancaster County $385,000 $647,200
Lee County $88,000 $647,200
Louisa County $466,000 $647,200
Lunenburg County $114,000 $647,200
Mathews County $425,000 $647,200
Mecklenburg County $159,000 $647,200
Middlesex County $300,000 $647,200
Montgomery County $254,000 $647,200
Nelson County $400,000 $647,200
New Kent County $466,000 $647,200
Northampton County $235,000 $647,200
Northumberland County $292,000 $647,200
Nottoway County $140,000 $647,200
Orange County $289,000 $647,200
Page County $198,000 $647,200
Patrick County $150,000 $647,200
Pittsylvania County $162,000 $647,200
Powhatan County $466,000 $647,200
Prince Edward County $170,000 $647,200
Prince George County $466,000 $647,200
Pulaski County $254,000 $647,200
Richmond County $211,000 $647,200
Roanoke County $264,000 $647,200
Rockbridge County $228,000 $647,200
Rockingham County $250,000 $647,200
Russell County $119,000 $647,200
Scott County $183,000 $647,200
Shenandoah County $220,000 $647,200
Smyth County $123,000 $647,200
Southampton County $425,000 $647,200
Surry County $234,000 $647,200
Sussex County $466,000 $647,200
Tazewell County $146,000 $647,200
Washington County $183,000 $647,200
Westmoreland County $235,000 $647,200
Wise County $127,000 $647,200
Wythe County $165,000 $647,200
York County $425,000 $647,200
Bristol city $183,000 $647,200
Buena Vista city $133,000 $647,200
Charlottesville city $400,000 $647,200
Chesapeake city $425,000 $647,200
Colonial Heights city $466,000 $647,200
Covington city $82,000 $647,200
Danville city $162,000 $647,200
Emporia city $184,000 $647,200
Franklin city $425,000 $647,200
Galax city $161,000 $647,200
Hampton city $425,000 $647,200
Harrisonburg city $250,000 $647,200
Hopewell city $466,000 $647,200
Lexington city $325,000 $647,200
Lynchburg city $279,000 $647,200
Martinsville city $134,000 $647,200
Newport News city $425,000 $647,200
Norfolk city $425,000 $647,200
Norton city $127,000 $647,200
Petersburg city $466,000 $647,200
Poquoson city $425,000 $647,200
Portsmouth city $425,000 $647,200
Radford city $254,000 $647,200
Richmond city $466,000 $647,200
Roanoke city $264,000 $647,200
Salem city $264,000 $647,200
Staunton city $269,000 $647,200
Suffolk city $425,000 $647,200
Virginia Beach city $425,000 $647,200
Waynesboro city $269,000 $647,200
Williamsburg city $425,000 $647,200
Winchester city $315,000 $647,200

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Data Source

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

Last updated on January 2, 2022