What Is the FHA Loan Limit in Isle of Wight County?

The 2026 FHA one-unit cap in Isle of Wight County is $757,850. Two-unit is $970,200, three-unit is $1,172,750, and four-unit is $1,457,450. Limits are set by county. The property address picks the county when a ZIP lists more than one.

Are USDA Loans Available in Isle of Wight County?

USDA property eligibility is the street address, not the county. Isle of Wight 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 Isle of Wight County?

USDA 502 Guaranteed 1–4 person moderate income in Isle of Wight County is $123,850. The 5–8 person figure is $163,500. 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 Isle of Wight County. Income can split a county. Neither figure marks the county as USDA eligible or ineligible.

FHA Loan Limits and USDA Eligibility in Isle of Wight County, Virginia

2026 FHA one-unit limit in Isle of Wight County is $757,850. Two-unit is $970,200, three-unit is $1,172,750, and four-unit is $1,457,450. USDA 502 Guaranteed 1–4 person moderate income is $123,850. 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

Isle of Wight 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
20135	$757,850	$153,550
22304	$757,850	$153,550
23314	$757,850	$123,850
23315	$757,850	$123,850
23430	$757,850	$122,800 to $123,850
23487	$757,850	$123,850
23851	$757,850	$122,800 to $123,850
23866	$757,850	$122,800 to $123,850
23898	$757,850	$122,800 to $123,850

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

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Loan Options in Isle of Wight County

A licensed lender can confirm USDA property eligibility, household income, and the FHA county cap for a specific Isle of Wight 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