Loan Limits / Virginia / Virginia Beach County
2026 Loan Limits · Virginia · VIRGINIA BEACH-CHESAPEAKE-NORFOLK, VA-NC
Virginia Beach County, VA.
2026 conforming and FHA loan limits, calibrated to a median sales price of $630,000.
Median Sales Price
$630,000
Per HUD CHUMS, 2026
Conforming 1u Limit
$832,750
Standard conforming
FHA 1u Limit
$757,850
Mid-tier
Jumbo Threshold
> $832,750
1-unit · loans above this are jumbo
Conforming (Fannie / Freddie)
Standard conforming| 1-unit (single-family) | $832,750 |
| 2-unit (duplex) | $1,066,250 |
| 3-unit (triplex) | $1,288,800 |
| 4-unit (fourplex) | $1,601,750 |
FHA Forward (203b)
Mid-tier| 1-unit (single-family) | $757,850 |
| 2-unit (duplex) | $970,200 |
| 3-unit (triplex) | $1,172,750 |
| 4-unit (fourplex) | $1,457,450 |
About this county
About Virginia Beach County
Virginia Beach is the most populous city in the U.S. commonwealth of Virginia. The city is located on the Atlantic Ocean at the mouth of the Chesapeake Bay in southeastern Virginia. It is the sixth-most populous city in the Mid-Atlantic, ninth-most populous in the Southeast, and the 42nd-most populous city in the U.S. with a population of 459,470 at the 2020 census. Virginia Beach is a principal city in the Hampton Roads metropolitan area, which has more than 1.8 million inhabitants and is the 37th-largest metropolitan area in the U.S. Read more on Wikipedia →
What these limits mean for buyers in Virginia Beach County
The 2026 conforming 1-unit limit for Virginia Beach County is $832,750. Loans at or below this amount can be sold by the originating lender to Fannie Mae or Freddie Mac, which keeps pricing tight and underwriting consistent. Virginia Beach County uses the standard national conforming baseline.
For FHA financing, the 2026 1-unit limit is $757,850. The HUD CHUMS table pegs the median sales price for Virginia Beach County at $630,000. Virginia Beach County is in HUD's FHA high-cost tier — its limit sits between the national floor of $541,287 and the ceiling of $1,249,125, calculated as 115% of the area median.
Practical takeaway. The median sales price in Virginia Beach County ($630,000) is below both limits — FHA, conventional, and VA financing all cover median-priced purchases here. Choice between programs comes down to credit, down payment, and overlay differences.
How the limits are set
Conforming limits come from the Federal Housing Finance Agency (FHFA), which adjusts them each year based on changes in the FHFA Housing Price Index. FHA limits come from HUD: the national floor is $541,287 (65% of conforming baseline), the ceiling is $1,249,125 (150% of conforming baseline), and counties between are calculated as 115% of the area median sales price.
Multi-unit and house-hacking math
Virginia Beach County 2-, 3-, and 4-unit conforming limits are $1,066,250, $1,288,800, and $1,601,750 respectively. If you're house-hacking — owner-occupying one unit of a 2-4 unit property — these are the limits that matter, and the rental income on the other units can be used to qualify. FHA and VA both finance owner-occupied 2-4 unit properties at their own multi-unit limits.
Limits effective 2026 per HUD CHUMS publication. Sourced GSE and FHA files. Generated 2026-04-26.
Buying in Virginia Beach County?
We'll structure the loan against the right limit and the right program. Conforming, FHA, VA, jumbo — all in-house.