U.S. territory · 2026 limits
U.S. Virgin Islands conforming loan limits 2026
$1,249,125
conforming loan limit for a one-unit home in every U.S. Virgin Islands county, 2026
Special area: Alaska, Hawaii, Guam and the U.S. Virgin Islands have a baseline 50% above the national one by law: $1,249,125 for one unit. Limits by county from FHFA. Informational only, not lending advice.
The four limits, drawn to scale
Every U.S. Virgin Islands county has the same 2026 limits, so one figure covers the state.
2026 limit herespecial-area baseline
Source: FHFA 2026 county loan limit file.
Every U.S. Virgin Islands county
No rows match.
| St. Croix Island | $1,249,125 | $1,599,375 | $1,933,200 | $2,402,625 | +$39,375 (+3.3%) |
|---|---|---|---|---|---|
| St. John Island | $1,249,125 | $1,599,375 | $1,933,200 | $2,402,625 | +$39,375 (+3.3%) |
| St. Thomas Island | $1,249,125 | $1,599,375 | $1,933,200 | $2,402,625 | +$39,375 (+3.3%) |
FHA limits in U.S. Virgin Islands
HUD sets FHA limits for each county between $541,287 and $1,249,125 for one unit in 2026 (higher in special exception areas). HUD's lookup has the exact county figures.
Questions
What is the 2026 conforming loan limit in U.S. Virgin Islands?
$1,249,125 for a one-unit home in every county.
Which U.S. Virgin Islands counties have the highest loan limits?
None stands out: all 3 counties share the $1,249,125 limit.
What is the FHA loan limit in U.S. Virgin Islands for 2026?
HUD sets FHA limits county by county, between $541,287 and $1,249,125 for one unit (special exception areas such as U.S. Virgin Islands can be higher). HUD's FHA Mortgage Limits lookup has each county's exact figure.
Is a loan above the U.S. Virgin Islands limit a jumbo loan?
Yes. A loan above the conforming limit for its county and unit count is a jumbo loan, which Fannie Mae and Freddie Mac cannot buy.
Sources
- U.S. Federal Housing Finance Agency, Conforming Loan Limit Values, 2026 full county loan limit list (HERA-based, final, flat file; 3,235 county rows; downloaded November 1, 2026)
- FHFA, 2025 full county loan limit list (3,234 county rows), used for year-over-year change
- FHFA, Conforming Loan Limit Values FAQs (updated November 2025)
- U.S. Department of Housing and Urban Development, HUD's Federal Housing Administration Announces 2026 Loan Limits (December 11, 2025) and Mortgagee Letter 2025-23, 2026 Nationwide Forward Mortgage Limits
- HUD, FHA Mortgage Limits lookup (exact FHA limit by county and metro area)
Figures as published by the agencies. See sources and method.