TPO Kit
2026 conforming loan limits in U.S. Virgin Islands.
3 of U.S. Virgin Islands's 3 counties are high-cost areas with a higher limit, as high as $1,249,125 in 3 counties. The rest use the $832,750 baseline.
| Every county | 1 unit | 2 units | 3 units | 4 units |
|---|---|---|---|---|
| U.S. Virgin Islands | $1,249,125 | $1,599,375 | $1,933,200 | $2,402,625 |
See all 3 counties
| County | 1 unit | 2 units | 3 units | 4 units | 1 unit, since 2025 | 1 unit, since 2022 |
|---|---|---|---|---|---|---|
| St. Croix IslandHigh-cost | $1,249,125 | $1,599,375 | $1,933,200 | $2,402,625 | +$39,375 (3.3%) | +$278,325 (28.7%) |
| St. John IslandHigh-cost | $1,249,125 | $1,599,375 | $1,933,200 | $2,402,625 | +$39,375 (3.3%) | +$278,325 (28.7%) |
| St. Thomas IslandHigh-cost | $1,249,125 | $1,599,375 | $1,933,200 | $2,402,625 | +$39,375 (3.3%) | +$278,325 (28.7%) |
Source: FHFA, Conforming Loan Limit Values, 2026. For loans acquired by Fannie Mae and Freddie Mac in 2026. Changes use FHFA's county files for 2022 to 2026; counties whose codes changed show "—". FHA limits are set separately by HUD: for 2026, $541,287 to $1,249,125 for one unit in most areas. HUD loan limit lookup.
Updated September 28, 2026 · FHFA's next updates are expected in late November 2026.