FHA Loan Limits and USDA Eligibility in Virginia
2026 FHA one-unit limits in Virginia range from $541,287 to $1,249,125. About 78% of ZIP centers look USDA-eligible. USDA 502 Guaranteed 1–4 person income limits range from $122,800 to $153,550. Enter a ZIP on the maps. County FHA caps are listed below.
2026 FHA Loan Limits Map for Virginia
Virginia one-unit limits: —
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Standard Floor: $541,287Mid-Tier: $541,288–$750,000High-Cost: $750,001–$1,000,000Elite Zone: $1,000,001+
USDA Property Eligibility and Income Limits Map for Virginia
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EligibleIneligibleUSDA ineligible boundary
Virginia FHA and USDA Figures by County
FHA one-unit caps are county. USDA 1–4 person guaranteed income can split a county; when it does, both caps are listed. This table does not mark a county as USDA eligible or ineligible.
| County | FHA one-unit loan limit | USDA 1–4 person moderate income |
|---|---|---|
| Accomack County | $541,287 | $122,800 |
| Albemarle County | $598,000 | $153,550 |
| Alexandria City | $1,249,125 | $153,550 |
| Alleghany County | $541,287 | $122,800 |
| Amelia County | $707,250 | $130,550 |
| Amherst County | $541,287 | $122,800 |
| Appomattox County | $541,287 | $122,800 |
| Arlington County | $1,249,125 | $153,550 |
| Augusta County | $541,287 | $122,800 |
| Bath County | $541,287 | $122,800 |
| Bedford County | $541,287 | $122,800 |
| Bland County | $541,287 | $122,800 |
| Botetourt County | $541,287 | $122,800 |
| Bristol City | $541,287 | $122,800 |
| Brunswick County | $541,287 | $122,800 |
| Buchanan County | $541,287 | $122,800 |
| Buckingham County | $541,287 | $122,800 |
| Buena Vista City | $541,287 | $122,800 |
| Campbell County | $541,287 | $122,800 |
| Caroline County | $541,287 | $124,400 |
| Carroll County | $541,287 | $122,800 |
| Charles City County | $707,250 | $130,550 |
| Charlotte County | $541,287 | $122,800 |
| Charlottesville City | $598,000 | $153,550 |
| Chesapeake City | $757,850 | $123,850 |
| Chesterfield County | $707,250 | $130,550 |
| Clarke County | $1,249,125 | $153,550 |
| Colonial Heights City | $707,250 | $130,550 |
| Covington City | $541,287 | $122,800 |
| Craig County | $541,287 | $122,800 |
| Culpeper County | $1,249,125 | $138,700 |
| Cumberland County | $541,287 | $122,800 |
| Danville City | $541,287 | $122,800 |
| Dickenson County | $541,287 | $122,800 |
| Dinwiddie County | $707,250 | $130,550 |
| Emporia City | $541,287 | $122,800 |
| Essex County | $541,287 | $122,800 |
| Fairfax City | $1,249,125 | $153,550 |
| Fairfax County | $1,249,125 | $153,550 |
| Falls Church City | $1,249,125 | $153,550 |
| Fauquier County | $1,249,125 | $153,550 |
| Floyd County | $541,287 | $122,800 |
| Fluvanna County | $598,000 | $153,550 |
| Franklin City | $541,287 | $122,800 |
| Franklin County | $541,287 | $122,800 |
| Frederick County | $541,287 | $130,100 |
| Fredericksburg City | $1,249,125 | $153,550 |
| Galax City | $541,287 | $122,800 |
| Giles County | $541,287 | $122,800 |
| Gloucester County | $757,850 | $123,850 |
| Goochland County | $707,250 | $130,550 |
| Grayson County | $541,287 | $122,800 |
| Greene County | $598,000 | $153,550 |
| Greensville County | $541,287 | $122,800 |
| Halifax County | $541,287 | $122,800 |
| Hampton City | $757,850 | $123,850 |
| Hanover County | $707,250 | $130,550 |
| Harrisonburg City | $541,287 | $122,800 |
| Henrico County | $707,250 | $130,550 |
| Henry County | $541,287 | $122,800 |
| Highland County | $541,287 | $122,800 |
| Hopewell City | $707,250 | $130,550 |
| Isle of Wight County | $757,850 | $123,850 |
| James City County | $757,850 | $123,850 |
| King and Queen County | $707,250 | $122,800 |
| King George County | $541,287 | $153,550 |
| King William County | $707,250 | $130,550 |
| Lancaster County | $541,287 | $122,800 |
| Lee County | $541,287 | $122,800 |
| Lexington City | $541,287 | $122,800 |
| Loudoun County | $1,249,125 | $153,550 |
| Louisa County | $541,287 | $123,050 |
| Lunenburg County | $541,287 | $122,800 |
| Lynchburg City | $541,287 | $122,800 |
| Madison County | $541,287 | $122,800 |
| Manassas City | $1,249,125 | $153,550 |
| Manassas Park City | $1,249,125 | $153,550 |
| Martinsville City | $541,287 | $122,800 |
| Mathews County | $757,850 | $123,850 |
| Mecklenburg County | $541,287 | $122,800 |
| Middlesex County | $541,287 | $122,800 |
| Montgomery County | $541,287 | $137,550 |
| Nelson County | $598,000 | $153,550 |
| New Kent County | $707,250 | $130,550 |
| Newport News City | $757,850 | $123,850 |
| Norfolk City | $757,850 | $123,850 |
| Northampton County | $541,287 | $122,800 |
| Northumberland County | $541,287 | $122,800 |
| Norton City | $541,287 | $122,800 |
| Nottoway County | $541,287 | $122,800 |
| Orange County | $541,287 | $134,000 |
| Page County | $541,287 | $122,800 |
| Patrick County | $541,287 | $122,800 |
| Petersburg City | $707,250 | $130,550 |
| Pittsylvania County | $541,287 | $122,800 |
| Poquoson City | $757,850 | $123,850 |
| Portsmouth City | $757,850 | $123,850 |
| Powhatan County | $707,250 | $130,550 |
| Prince Edward County | $541,287 | $122,800 |
| Prince George County | $707,250 | $130,550 |
| Prince William County | $1,249,125 | $153,550 |
| Pulaski County | $541,287 | $122,800 |
| Radford City | $541,287 | $137,550 |
| Rappahannock County | $1,249,125 | $124,550 |
| Richmond City | $707,250 | $122,800 to $130,550 |
| Richmond County | $541,287 | $122,800 to $130,550 |
| Roanoke City | $541,287 | $122,800 |
| Roanoke County | $541,287 | $122,800 |
| Rockbridge County | $541,287 | $122,800 |
| Rockingham County | $541,287 | $122,800 |
| Russell County | $541,287 | $122,800 |
| Salem City | $541,287 | $122,800 |
| Scott County | $541,287 | $122,800 |
| Shenandoah County | $541,287 | $122,800 |
| Smyth County | $541,287 | $122,800 |
| Southampton County | $541,287 | $122,800 |
| Spotsylvania County | $1,249,125 | $153,550 |
| Stafford County | $1,249,125 | $153,550 |
| Staunton City | $541,287 | $122,800 |
| Suffolk City | $757,850 | $123,850 |
| Surry County | $757,850 | $122,800 |
| Sussex County | $707,250 | $130,550 |
| Tazewell County | $541,287 | $122,800 |
| Virginia Beach City | $757,850 | $123,850 |
| Warren County | $1,249,125 | $122,800 |
| Washington County | $541,287 | $122,800 |
| Waynesboro City | $541,287 | $122,800 |
| Westmoreland County | $541,287 | $122,800 |
| Williamsburg City | $757,850 | $123,850 |
| Winchester City | $541,287 | $130,100 |
| Wise County | $541,287 | $122,800 |
| Wythe County | $541,287 | $122,800 |
| York County | $757,850 | $123,850 |
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