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2026 U.S. Virgin Islands loan limits by county
U.S. Virgin Islands has 3 county-level areas in the 2026 FHFA list. The highest one-unit conforming limit is $1,249,125 in St. Thomas Island; the state median is $1,249,125. 1 sit at the 2026 FHA floor of $541,287.
- 3Counties listed
- $1,249,125Highest 1-unit conformingSt. Thomas Island
- $1,249,125Median 1-unit conforming
- 1At FHA floorof 3
| County | Conforming 1-unit 2026 | Change vs 2025 | FHA 1-unit 2026 | Conforming 4-unit 2026 |
|---|---|---|---|---|
| St. Croix Island | $1,249,125 | +$39,375 (+3.3%) | $541,287 | $2,402,625 |
| St. John Island | $1,249,125 | +$39,375 (+3.3%) | $1,121,250 | $2,402,625 |
| St. Thomas Island | $1,249,125 | +$39,375 (+3.3%) | $677,350 | $2,402,625 |
Sources
- Federal Housing Finance Agency, 2026 Conforming Loan Limit Values, full county list (CSV), file dated November 24, 2025; announced November 25, 2025.
- FHFA 2025 county list (CSV), file dated September 15, 2025.
- U.S. Department of Housing and Urban Development, CY2026 FHA forward mortgage limits file, dated December 10, 2025; Mortgagee Letter 2025-23, December 11, 2025. Search tool: HUD FHA Mortgage Limits.
Figures are copied from the files above without modification. Program rules can change mid-year; confirm with your lender.