2026 loan limits in Goochland County, Virginia
Goochland County’s 2026 conforming limit of $832,750 is 1.7× the county’s median home value of $500,600 (Census ACS 2020-2024), so some local homes exceed it. Next door, median home values run from $239,300 in Cumberland County to $416,000 in Powhatan County.
- $832,750Conforming, 1 unit (2026)+$26,250 vs 2025
- $707,250FHA, 1 unit (2026)+$33,350 vs 2025
- $500,600Median home valuelimit is 1.7× this (ACS 2020-2024)
- All 7Neighbors share this limitChesterfield, Cumberland, Fluvanna and 4 more
Loan limits next door
| County | Conforming 2026 1-unit | FHA 2026 1-unit | Median home value (ACS) |
|---|---|---|---|
| Chesterfield County | $832,750 | $707,250 | $366,000 |
| Cumberland County | $832,750 | $541,287 | $239,300 |
| Fluvanna County | $832,750 | $598,000 | $314,100 |
| Hanover County | $832,750 | $707,250 | $400,400 |
| Henrico County | $832,750 | $707,250 | $359,200 |
| Louisa County | $832,750 | $541,287 | $315,300 |
| Powhatan County | $832,750 | $707,250 | $416,000 |
Neighbors are from the U.S. Census Bureau county adjacency file (2024). Median home values: Census ACS 2020-2024, table B25077.
| Property | Conforming 2026 | Conforming 2025 | Conforming 2024 | Change vs 2025 | FHA 2026 | FHA 2025 |
|---|---|---|---|---|---|---|
| 1 unit | $832,750 | $806,500 | $766,550 | +$26,250 (+3.3%) | $707,250 | $673,900 |
| 2 units | $1,066,250 | $1,032,650 | $981,500 | +$33,600 (+3.3%) | $905,400 | $862,700 |
| 3 units | $1,288,800 | $1,248,150 | $1,186,350 | +$40,650 (+3.3%) | $1,094,450 | $1,042,800 |
| 4 units | $1,601,750 | $1,551,250 | $1,474,400 | +$50,500 (+3.3%) | $1,360,100 | $1,296,000 |
| VA basis, 1 unit | $832,750 | $806,500 | $766,550 | +$26,250 (+3.3%) | not used | not used |
VA uses the one-unit conforming limit to work out remaining entitlement when some entitlement is in use; with full entitlement there is no VA limit.
Richmond, VA metro: 17 counties, one limit
FHFA sets one conforming limit per metro area, so every county in the Richmond, VA metro has a 2026 one-unit limit of $832,750.
- Amelia County, VA
- Charles City County, VA
- Chesterfield County, VA
- Colonial Heights city, VA
- Dinwiddie County, VA
- Goochland County, VA (this county)
- Hanover County, VA
- Henrico County, VA
- Hopewell city, VA
- King William County, VA
- King and Queen County, VA
- New Kent County, VA
- Petersburg city, VA
- Powhatan County, VA
- Prince George County, VA
- Richmond city, VA
- Sussex County, VA
How Goochland County compares
- Virginia median one-unit conforming limit: $832,750 across 133 counties. This county is equal to the state median.
- National baseline for 2026: $832,750; high-cost ceiling: $1,249,125. This county is at the baseline.
- Tied with 114 other Virginia counties at $832,750.
- HUD area: Richmond, VA (CBSA 40060). Median sale price HUD used to set the 2026 FHA limit: $615,000.
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.
- FHFA 2024 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.
- HUD CY2025 FHA limits file, dated March 6, 2025.
- U.S. Department of Veterans Affairs, VA Circular 26-25-10, December 1, 2025; VA home loan limits.
- Freddie Mac Primary Mortgage Market Survey, 30-year fixed average for the week of October 29, 2026: 7.24%.
- U.S. Census Bureau, County Adjacency File (2024), file dated August 20, 2024.
- U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates, table B25077 (median value, owner-occupied housing units), summary file dated January 29, 2026.
Figures are copied from the files above without modification. Program rules can change mid-year; confirm with your lender.