Loan Limits / Virgin Islands
2026 Loan Limits · VI
Virgin Islands loan limits.
All 3 counties in Virgin Islands with their 2026 conforming and FHA loan limits. Click a county for full multi-unit limits and context.
3 counties
1-unit limits shown · click for full detail| County | Median Price | GSE 1u | GSE Class | FHA 1u | FHA Class |
|---|---|---|---|---|---|
| St. Croix Islan | $408,000 | $1,249,125 | Standard | $541,287 | Standard |
| St. John Island | $975,000 | $1,249,125 | Standard | $1,121,250 | High-cost |
| St. Thomas Isla | $589,000 | $1,249,125 | Standard | $677,350 | High-cost |
Virgin Islands at a glance
3 counties indexed. 2 are designated high-cost by HUD or FHFA. The highest GSE 1-unit limit in Virgin Islands is $1,249,125 in St. Croix Islan County.
Loan amount above the conforming limit for your county? You're in jumbo territory. Below the FHA ceiling? FHA financing is on the table. We can run the numbers for any property in Virgin Islands.