2026 limits · 133 counties
Virginia 2026 loan limits for duplexes, triplexes and fourplexes
In Virginia, the 2026 FHA limit for a fourplex runs from $1,041,125 to $2,402,625. 79 of 133 counties sit at the national floor; the highest is 17 counties. The conforming limit, which caps a conventional loan Fannie Mae or Freddie Mac can buy, is $1,601,750 for a fourplex in most of the state and up to $2,402,625 in 18 high-cost counties.
$693,050 to $1,599,375FHA, 2 units
$1,041,125 to $2,402,625FHA, 4 units
54counties above FHA's floor
$2,402,625highest conforming limit, 4 units
Every county in Virginia
The limit caps the base loan, not the price. FHA's upfront premium can be added on top without counting against it. "High-cost" marks a county whose FHA limit is above the national floor.
| County | FHA 2026 | Conforming 2026 | ||||
|---|---|---|---|---|---|---|
| 2 units | 3 units | 4 units | 2 units | 3 units | 4 units | |
| Accomack County | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Albemarle County high-cost Charlottesville, VA | $765,550 | $925,350 | $1,150,000 | $1,066,250 | $1,288,800 | $1,601,750 |
| Alexandria City high-cost Washington-Arlington-Alexandria, DC-VA-MD-WV | $1,599,375 | $1,933,200 | $2,402,625 | $1,599,375 | $1,933,200 | $2,402,625 |
| Alleghany County | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Amelia County high-cost Richmond, VA | $905,400 | $1,094,450 | $1,360,100 | $1,066,250 | $1,288,800 | $1,601,750 |
| Amherst County Lynchburg, VA | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Appomattox County Lynchburg, VA | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Arlington County high-cost Washington-Arlington-Alexandria, DC-VA-MD-WV | $1,599,375 | $1,933,200 | $2,402,625 | $1,599,375 | $1,933,200 | $2,402,625 |
| Augusta County Staunton-Stuarts Draft, VA | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Bath County | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Bedford County Lynchburg, VA | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Bland County | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Botetourt County Roanoke, VA | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Bristol City Kingsport-Bristol, TN-VA | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Brunswick County | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Buchanan County | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Buckingham County | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Buena Vista City | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Campbell County Lynchburg, VA | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Caroline County | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Carroll County | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Charles City County high-cost Richmond, VA | $905,400 | $1,094,450 | $1,360,100 | $1,066,250 | $1,288,800 | $1,601,750 |
| Charlotte County | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Charlottesville City high-cost Charlottesville, VA | $765,550 | $925,350 | $1,150,000 | $1,066,250 | $1,288,800 | $1,601,750 |
| Chesapeake City high-cost Virginia Beach-Chesapeake-Norfolk, VA-NC | $970,200 | $1,172,750 | $1,457,450 | $1,066,250 | $1,288,800 | $1,601,750 |
| Chesterfield County high-cost Richmond, VA | $905,400 | $1,094,450 | $1,360,100 | $1,066,250 | $1,288,800 | $1,601,750 |
| Clarke County high-cost Washington-Arlington-Alexandria, DC-VA-MD-WV | $1,599,375 | $1,933,200 | $2,402,625 | $1,599,375 | $1,933,200 | $2,402,625 |
| Colonial Heights City high-cost Richmond, VA | $905,400 | $1,094,450 | $1,360,100 | $1,066,250 | $1,288,800 | $1,601,750 |
| Covington City | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Craig County Roanoke, VA | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Culpeper County high-cost Washington-Arlington-Alexandria, DC-VA-MD-WV | $1,599,375 | $1,933,200 | $2,402,625 | $1,599,375 | $1,933,200 | $2,402,625 |
| Cumberland County | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Danville City Danville, VA | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Dickenson County | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Dinwiddie County high-cost Richmond, VA | $905,400 | $1,094,450 | $1,360,100 | $1,066,250 | $1,288,800 | $1,601,750 |
| Emporia City | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Essex County | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Fairfax City high-cost Washington-Arlington-Alexandria, DC-VA-MD-WV | $1,599,375 | $1,933,200 | $2,402,625 | $1,599,375 | $1,933,200 | $2,402,625 |
| Fairfax County high-cost Washington-Arlington-Alexandria, DC-VA-MD-WV | $1,599,375 | $1,933,200 | $2,402,625 | $1,599,375 | $1,933,200 | $2,402,625 |
| Falls Church City high-cost Washington-Arlington-Alexandria, DC-VA-MD-WV | $1,599,375 | $1,933,200 | $2,402,625 | $1,599,375 | $1,933,200 | $2,402,625 |
| Fauquier County high-cost Washington-Arlington-Alexandria, DC-VA-MD-WV | $1,599,375 | $1,933,200 | $2,402,625 | $1,599,375 | $1,933,200 | $2,402,625 |
| Floyd County Blacksburg-Christiansburg-Radford, VA | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Fluvanna County high-cost Charlottesville, VA | $765,550 | $925,350 | $1,150,000 | $1,066,250 | $1,288,800 | $1,601,750 |
| Franklin City | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Franklin County Roanoke, VA | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Frederick County Winchester, VA-WV | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Fredericksburg City high-cost Washington-Arlington-Alexandria, DC-VA-MD-WV | $1,599,375 | $1,933,200 | $2,402,625 | $1,599,375 | $1,933,200 | $2,402,625 |
| Galax City | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Giles County Blacksburg-Christiansburg-Radford, VA | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Gloucester County high-cost Virginia Beach-Chesapeake-Norfolk, VA-NC | $970,200 | $1,172,750 | $1,457,450 | $1,066,250 | $1,288,800 | $1,601,750 |
| Goochland County high-cost Richmond, VA | $905,400 | $1,094,450 | $1,360,100 | $1,066,250 | $1,288,800 | $1,601,750 |
| Grayson County | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Greene County high-cost Charlottesville, VA | $765,550 | $925,350 | $1,150,000 | $1,066,250 | $1,288,800 | $1,601,750 |
| Greensville County | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Halifax County | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Hampton City high-cost Virginia Beach-Chesapeake-Norfolk, VA-NC | $970,200 | $1,172,750 | $1,457,450 | $1,066,250 | $1,288,800 | $1,601,750 |
| Hanover County high-cost Richmond, VA | $905,400 | $1,094,450 | $1,360,100 | $1,066,250 | $1,288,800 | $1,601,750 |
| Harrisonburg City Harrisonburg, VA | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Henrico County high-cost Richmond, VA | $905,400 | $1,094,450 | $1,360,100 | $1,066,250 | $1,288,800 | $1,601,750 |
| Henry County Martinsville, VA | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Highland County | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Hopewell City high-cost Richmond, VA | $905,400 | $1,094,450 | $1,360,100 | $1,066,250 | $1,288,800 | $1,601,750 |
| Isle of Wight County high-cost Virginia Beach-Chesapeake-Norfolk, VA-NC | $970,200 | $1,172,750 | $1,457,450 | $1,066,250 | $1,288,800 | $1,601,750 |
| James City County high-cost Virginia Beach-Chesapeake-Norfolk, VA-NC | $970,200 | $1,172,750 | $1,457,450 | $1,066,250 | $1,288,800 | $1,601,750 |
| King and Queen County high-cost Richmond, VA | $905,400 | $1,094,450 | $1,360,100 | $1,066,250 | $1,288,800 | $1,601,750 |
| King George County | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| King William County high-cost Richmond, VA | $905,400 | $1,094,450 | $1,360,100 | $1,066,250 | $1,288,800 | $1,601,750 |
| Lancaster County | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Lee County | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Lexington City | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Loudoun County high-cost Washington-Arlington-Alexandria, DC-VA-MD-WV | $1,599,375 | $1,933,200 | $2,402,625 | $1,599,375 | $1,933,200 | $2,402,625 |
| Louisa County | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Lunenburg County | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Lynchburg City Lynchburg, VA | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Madison County | $693,050 | $837,700 | $1,041,125 | $1,548,975 | $1,872,225 | $2,326,875 |
| Manassas City high-cost Washington-Arlington-Alexandria, DC-VA-MD-WV | $1,599,375 | $1,933,200 | $2,402,625 | $1,599,375 | $1,933,200 | $2,402,625 |
| Manassas Park City high-cost Washington-Arlington-Alexandria, DC-VA-MD-WV | $1,599,375 | $1,933,200 | $2,402,625 | $1,599,375 | $1,933,200 | $2,402,625 |
| Martinsville City Martinsville, VA | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Mathews County high-cost Virginia Beach-Chesapeake-Norfolk, VA-NC | $970,200 | $1,172,750 | $1,457,450 | $1,066,250 | $1,288,800 | $1,601,750 |
| Mecklenburg County | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Middlesex County | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Montgomery County Blacksburg-Christiansburg-Radford, VA | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Nelson County high-cost Charlottesville, VA | $765,550 | $925,350 | $1,150,000 | $1,066,250 | $1,288,800 | $1,601,750 |
| New Kent County high-cost Richmond, VA | $905,400 | $1,094,450 | $1,360,100 | $1,066,250 | $1,288,800 | $1,601,750 |
| Newport News City high-cost Virginia Beach-Chesapeake-Norfolk, VA-NC | $970,200 | $1,172,750 | $1,457,450 | $1,066,250 | $1,288,800 | $1,601,750 |
| Norfolk City high-cost Virginia Beach-Chesapeake-Norfolk, VA-NC | $970,200 | $1,172,750 | $1,457,450 | $1,066,250 | $1,288,800 | $1,601,750 |
| Northampton County | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Northumberland County | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Norton City | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Nottoway County | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Orange County Lake of the Woods, VA | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Page County | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Patrick County | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Petersburg City high-cost Richmond, VA | $905,400 | $1,094,450 | $1,360,100 | $1,066,250 | $1,288,800 | $1,601,750 |
| Pittsylvania County Danville, VA | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Poquoson City high-cost Virginia Beach-Chesapeake-Norfolk, VA-NC | $970,200 | $1,172,750 | $1,457,450 | $1,066,250 | $1,288,800 | $1,601,750 |
| Portsmouth City high-cost Virginia Beach-Chesapeake-Norfolk, VA-NC | $970,200 | $1,172,750 | $1,457,450 | $1,066,250 | $1,288,800 | $1,601,750 |
| Powhatan County high-cost Richmond, VA | $905,400 | $1,094,450 | $1,360,100 | $1,066,250 | $1,288,800 | $1,601,750 |
| Prince Edward County | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Prince George County high-cost Richmond, VA | $905,400 | $1,094,450 | $1,360,100 | $1,066,250 | $1,288,800 | $1,601,750 |
| Prince William County high-cost Washington-Arlington-Alexandria, DC-VA-MD-WV | $1,599,375 | $1,933,200 | $2,402,625 | $1,599,375 | $1,933,200 | $2,402,625 |
| Pulaski County Blacksburg-Christiansburg-Radford, VA | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Radford City Blacksburg-Christiansburg-Radford, VA | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Rappahannock County high-cost Washington-Arlington-Alexandria, DC-VA-MD-WV | $1,599,375 | $1,933,200 | $2,402,625 | $1,599,375 | $1,933,200 | $2,402,625 |
| Richmond City high-cost Richmond, VA | $905,400 | $1,094,450 | $1,360,100 | $1,066,250 | $1,288,800 | $1,601,750 |
| Richmond County | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Roanoke City Roanoke, VA | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Roanoke County Roanoke, VA | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Rockbridge County | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Rockingham County Harrisonburg, VA | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Russell County | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Salem City Roanoke, VA | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Scott County Kingsport-Bristol, TN-VA | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Shenandoah County | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Smyth County | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Southampton County | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Spotsylvania County high-cost Washington-Arlington-Alexandria, DC-VA-MD-WV | $1,599,375 | $1,933,200 | $2,402,625 | $1,599,375 | $1,933,200 | $2,402,625 |
| Stafford County high-cost Washington-Arlington-Alexandria, DC-VA-MD-WV | $1,599,375 | $1,933,200 | $2,402,625 | $1,599,375 | $1,933,200 | $2,402,625 |
| Staunton City Staunton-Stuarts Draft, VA | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Suffolk City high-cost Virginia Beach-Chesapeake-Norfolk, VA-NC | $970,200 | $1,172,750 | $1,457,450 | $1,066,250 | $1,288,800 | $1,601,750 |
| Surry County high-cost Virginia Beach-Chesapeake-Norfolk, VA-NC | $970,200 | $1,172,750 | $1,457,450 | $1,066,250 | $1,288,800 | $1,601,750 |
| Sussex County high-cost Richmond, VA | $905,400 | $1,094,450 | $1,360,100 | $1,066,250 | $1,288,800 | $1,601,750 |
| Tazewell County Bluefield, WV-VA | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Virginia Beach City high-cost Virginia Beach-Chesapeake-Norfolk, VA-NC | $970,200 | $1,172,750 | $1,457,450 | $1,066,250 | $1,288,800 | $1,601,750 |
| Warren County high-cost Washington-Arlington-Alexandria, DC-VA-MD-WV | $1,599,375 | $1,933,200 | $2,402,625 | $1,599,375 | $1,933,200 | $2,402,625 |
| Washington County Kingsport-Bristol, TN-VA | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Waynesboro City Staunton-Stuarts Draft, VA | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Westmoreland County | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Williamsburg City high-cost Virginia Beach-Chesapeake-Norfolk, VA-NC | $970,200 | $1,172,750 | $1,457,450 | $1,066,250 | $1,288,800 | $1,601,750 |
| Winchester City Winchester, VA-WV | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Wise County | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Wythe County | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| York County high-cost Virginia Beach-Chesapeake-Norfolk, VA-NC | $970,200 | $1,172,750 | $1,457,450 | $1,066,250 | $1,288,800 | $1,601,750 |
How much building fits under the limit
With FHA's minimum 3.5% down, the base loan is 96.5% of the price. So the most you can pay and stay inside the limit is the limit divided by 0.965.
| Where | Duplex | Triplex | Fourplex |
|---|---|---|---|
| 79 counties at the floor | $718,186 | $868,082 | $1,078,886 |
| Alexandria City | $1,657,383 | $2,003,316 | $2,489,766 |
Put more than 3.5% down and the ceiling on price rises with it. Price is also only half of it: on a three- or four-unit building, FHA's self-sufficiency test often binds before the loan limit does. The calculator runs both against a county you pick.
VA and conventional in Virginia
Conventional loans use the conforming column. On a 2-4 unit home you live in, Freddie Mac's published maximum is 95% loan-to-value for a mortgage its automated system accepts, but 85% (two units) and 80% (three or four) for a "super conforming" loan above the baseline, and the same 85% and 80% for a manually underwritten one.
A veteran with full VA entitlement has no county limit. If some entitlement is still tied up in another loan, VA ties the guaranty to the one-unit conforming limit even for a fourplex: $832,750 to $1,249,125 in Virginia. The guaranty is 25% of that figure minus the entitlement already used.
Other states: all states and the county lookup.