Virginia Loan Limits

2021 Loan Limits

2021 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 $548,250 in Accomack County to $822,375 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 $823,000 $822,375
Clarke County $823,000 $822,375
Culpeper County $823,000 $822,375
Fairfax County $823,000 $822,375
Fauquier County $823,000 $822,375
Loudoun County $823,000 $822,375
Madison County $823,000 $822,375
Prince William County $823,000 $822,375
Rappahannock County $823,000 $822,375
Spotsylvania County $823,000 $822,375
Stafford County $823,000 $822,375
Warren County $823,000 $822,375
Alexandria city $823,000 $822,375
Fairfax city $823,000 $822,375
Falls Church city $823,000 $822,375
Fredericksburg city $823,000 $822,375
Manassas city $823,000 $822,375
Manassas Park city $823,000 $822,375

Low-Cost Counties

County Median Home Price Conforming Loan Limit for
Single-Family Home
Accomack County $169,000 $548,250
Albemarle County $380,000 $548,250
Alleghany County $163,000 $548,250
Amelia County $466,000 $548,250
Amherst County $254,000 $548,250
Appomattox County $254,000 $548,250
Augusta County $238,000 $548,250
Bath County $136,000 $548,250
Bedford County $254,000 $548,250
Bland County $146,000 $548,250
Botetourt County $235,000 $548,250
Brunswick County $197,000 $548,250
Buchanan County $109,000 $548,250
Buckingham County $155,000 $548,250
Campbell County $254,000 $548,250
Caroline County $466,000 $548,250
Carroll County $129,000 $548,250
Charles City County $466,000 $548,250
Charlotte County $124,000 $548,250
Chesterfield County $466,000 $548,250
Craig County $235,000 $548,250
Cumberland County $466,000 $548,250
Dickenson County $90,000 $548,250
Dinwiddie County $466,000 $548,250
Essex County $199,000 $548,250
Floyd County $161,000 $548,250
Fluvanna County $380,000 $548,250
Franklin County $235,000 $548,250
Frederick County $285,000 $548,250
Giles County $254,000 $548,250
Gloucester County $399,000 $548,250
Goochland County $466,000 $548,250
Grayson County $104,000 $548,250
Greene County $380,000 $548,250
Greensville County $138,000 $548,250
Halifax County $127,000 $548,250
Hanover County $466,000 $548,250
Henrico County $466,000 $548,250
Henry County $134,000 $548,250
Highland County $203,000 $548,250
Isle of Wight County $399,000 $548,250
James City County $399,000 $548,250
King and Queen County $466,000 $548,250
King George County $312,000 $548,250
King William County $466,000 $548,250
Lancaster County $385,000 $548,250
Lee County $88,000 $548,250
Louisa County $466,000 $548,250
Lunenburg County $114,000 $548,250
Mathews County $399,000 $548,250
Mecklenburg County $159,000 $548,250
Middlesex County $250,000 $548,250
Montgomery County $254,000 $548,250
Nelson County $380,000 $548,250
New Kent County $466,000 $548,250
Northampton County $233,000 $548,250
Northumberland County $292,000 $548,250
Nottoway County $130,000 $548,250
Orange County $260,000 $548,250
Page County $178,000 $548,250
Patrick County $140,000 $548,250
Pittsylvania County $140,000 $548,250
Powhatan County $466,000 $548,250
Prince Edward County $170,000 $548,250
Prince George County $466,000 $548,250
Pulaski County $254,000 $548,250
Richmond County $211,000 $548,250
Roanoke County $235,000 $548,250
Rockbridge County $228,000 $548,250
Rockingham County $241,000 $548,250
Russell County $119,000 $548,250
Scott County $168,000 $548,250
Shenandoah County $209,000 $548,250
Smyth County $115,000 $548,250
Southampton County $399,000 $548,250
Surry County $213,000 $548,250
Sussex County $466,000 $548,250
Tazewell County $146,000 $548,250
Washington County $168,000 $548,250
Westmoreland County $200,000 $548,250
Wise County $118,000 $548,250
Wythe County $143,000 $548,250
York County $399,000 $548,250
Bristol city $168,000 $548,250
Buena Vista city $130,000 $548,250
Charlottesville city $380,000 $548,250
Chesapeake city $399,000 $548,250
Colonial Heights city $466,000 $548,250
Covington city $82,000 $548,250
Danville city $140,000 $548,250
Emporia city $184,000 $548,250
Franklin city $399,000 $548,250
Galax city $161,000 $548,250
Hampton city $399,000 $548,250
Harrisonburg city $241,000 $548,250
Hopewell city $466,000 $548,250
Lexington city $308,000 $548,250
Lynchburg city $254,000 $548,250
Martinsville city $134,000 $548,250
Newport News city $399,000 $548,250
Norfolk city $399,000 $548,250
Norton city $118,000 $548,250
Petersburg city $466,000 $548,250
Poquoson city $399,000 $548,250
Portsmouth city $399,000 $548,250
Radford city $254,000 $548,250
Richmond city $466,000 $548,250
Roanoke city $235,000 $548,250
Salem city $235,000 $548,250
Staunton city $238,000 $548,250
Suffolk city $399,000 $548,250
Virginia Beach city $399,000 $548,250
Waynesboro city $238,000 $548,250
Williamsburg city $399,000 $548,250
Winchester city $285,000 $548,250

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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, 2021