Richmond city, Virginia — 2026 Loan Limits & Market Data
Complete 2026 conforming and FHA loan limits for Richmond city, Virginia. Browse specific ZIP codes for live housing market data including median prices, days on market, and inventory.
About Richmond city, Virginia
Richmond city is located in Virginia and offers a range of housing opportunities for homebuyers. The county's real estate market reflects the broader economic conditions and housing demand in the region.
For 2026, the conforming loan limit in Richmond city is $832,750 for a single-family home, which is the national baseline. FHA borrowers can access loans up to $707,250 for a one-unit property. These limits determine the maximum loan amount available through conventional and government-backed financing before buyers would need to seek jumbo loans, which carry different qualification requirements and typically require higher down payments.
Richmond city includes 17 ZIP codes, each with unique market conditions. Exploring individual ZIP codes provides granular data on median home prices, days on market, and current inventory levels to help identify the best opportunities within the county.
2026 Loan Limits — Richmond city
1-Unit Conforming
$832,750
2-Unit Conforming
$1,066,250
3-Unit Conforming
$1,288,800
4-Unit Conforming
$1,601,750
2026 Loan Limits — Richmond city
| Property Units | Conforming Limit | FHA Limit |
|---|---|---|
| 1 Unit | $832,750 | $707,250 |
| 2 Units | $1,066,250 | $905,400 |
| 3 Units | $1,288,800 | $1,094,450 |
| 4 Units | $1,601,750 | $1,360,100 |
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