What Is the FHA Loan Limit in Caroline County?

The 2026 FHA one-unit cap in Caroline County is $541,287. Two-unit is $693,050, three-unit is $837,700, and four-unit is $1,041,125. Limits are set by county. The property address picks the county when a ZIP lists more than one.

Are USDA Loans Available in Caroline County?

USDA property eligibility is the street address, not the county. Caroline County is not scored as eligible or ineligible as a whole. Enter a ZIP on the property eligibility map, then confirm a specific address with a lender.

What Is the USDA Income Limit in Caroline County?

USDA 502 Guaranteed 1–4 person moderate income in Caroline County is $124,400. The 5–8 person figure is $164,250. Enter a ZIP to confirm the figure for a specific area.

Does a County Decide USDA Property Eligibility?

No. USDA scores the property address. This page lists FHA 1–4 unit caps and USDA 502 Guaranteed moderate income figures that appear in Caroline County. Income can split a county. Neither figure marks the county as USDA eligible or ineligible.

FHA Loan Limits and USDA Eligibility in Caroline County, Virginia

2026 FHA one-unit limit in Caroline County is $541,287. Two-unit is $693,050, three-unit is $837,700, and four-unit is $1,041,125. USDA 502 Guaranteed 1–4 person moderate income is $124,400. Enter a ZIP on the maps. USDA scores the property address, not the county.

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

Caroline County FHA Loan Limits and USDA Income

FHA one-unit caps are county. USDA 1–4 person guaranteed income can split a county; when a ZIP lists more than one cap, both are listed. This table does not mark a ZIP as USDA eligible or ineligible.

ZIP	FHA one-unit loan limit	USDA 1–4 person moderate income
22427	$541,287	$124,400
22514	$541,287	$122,800 to $124,400
22535	$541,287	$124,400
22538	$541,287	$124,400
22546	$541,287	$124,400 to $153,550
22580	$541,287	$124,400 to $153,550
23015	$541,287	$123,050 to $153,550
23069	$541,287	$124,400 to $130,550

Connect with a lender to confirm FHA loan limits, USDA income limits, and a specific Caroline County address. Only a lender can confirm official program requirements.

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Loan Options in Caroline County

A licensed lender can confirm USDA property eligibility, household income, and the FHA county cap for a specific Caroline County address. Then they can match you if you qualify.

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Virginia FHA limits and USDA eligibility FHA loan limits map USDA property eligibility map USDA income limits map FHA loan program USDA loan program