2026 conforming loan limits · U.S. Virgin Islands
All 3 county-equivalents in U.S. Virgin Islands use the same one-unit conforming limit of $1,249,125, the baseline that applies under FHFA’s special statutory provisions for Alaska, Hawaii, Guam and the U.S. Virgin Islands.
CY2026 Showing the 2026 FHFA dataset, effective 2026-01-01. Figures change only when FHFA publishes a new file.
U.S. Virgin Islands falls under FHFA’s special statutory provisions for Alaska, Hawaii, Guam and the U.S. Virgin Islands. Its baseline is $1,249,125 and its ceiling is $1,873,675 — both higher than the figures that apply in the rest of the country. A limit of $1,249,125 here is the baseline, not the national ceiling.
U.S. Virgin Islands at a glance
| Metric | Value |
|---|---|
| County-equivalents | 3 |
| Lowest one-unit conforming limit | $1,249,125 |
| Highest one-unit conforming limit | $1,249,125 |
| Distinct one-unit limits | 1 |
| Applicable baseline (special statutory) | $1,249,125 |
| Above the applicable baseline | 0 of 3 (0.0%) |
| At the applicable ceiling | 0 |
| Dataset year | CY2026 |
Every county-equivalent in U.S. Virgin Islands carries the same one-unit limit, so there is no high-cost ranking to show.
Conforming and FHA limits by county-equivalent
Two federal programs, two agencies, two different limits. The conforming figure is FHFA’s cap on what Fannie Mae and Freddie Mac may buy; the FHA figure is HUD’s cap on what FHA will insure. Neither governs the other.
| County-equivalent | Metro | Conforming 1-unit (2026) | FHA 1-unit (2026) | Difference |
|---|---|---|---|---|
| St. Croix Island | Rural / Non-metro | $1,249,125 | $541,287 | $707,838 |
| St. John Island | Rural / Non-metro | $1,249,125 | $1,121,250 | $127,875 |
| St. Thomas Island | Rural / Non-metro | $1,249,125 | $677,350 | $571,775 |
Two-, three- and four-unit conforming limits
FHFA publishes a separate limit for each property size. These are its published figures, not multiples of the one-unit limit.
| County-equivalent | 1 unit | 2 units | 3 units | 4 units |
|---|---|---|---|---|
| St. Croix Island | $1,249,125 | $1,599,375 | $1,933,200 | $2,402,625 |
| St. John Island | $1,249,125 | $1,599,375 | $1,933,200 | $2,402,625 |
| St. Thomas Island | $1,249,125 | $1,599,375 | $1,933,200 | $2,402,625 |
Government sources
Federal Housing Finance Agency (FHFA) — Conforming Loan Limits by County (HERA-based)
Fields used: FIPS State Code; FIPS County Code; County Name; State; CBSA Number; One-Unit Limit; Two-Unit Limit; Three-Unit Limit; Four-Unit Limit
U.S. Department of Housing and Urban Development (HUD) — FHA Single Family Forward Mortgage Limits
Fields used: cols 073-079: one-unit forward mortgage limit; cols 080-086: two-unit forward mortgage limit; cols 087-093: three-unit forward mortgage limit; cols 094-100: four-unit forward mortgage limit; cols 101-102: state postal code; cols 103-105: county FIPS code; cols 000-009: CBSA/metro code (9999900000 = non-metro)