2026 Mortgage Loan Limits for Charlottesville City, Virginia
Charlottesville City Loan Limits History
See how mortgage loan limits in this area have evolved over time. This historical chart shows conventional, FHA, VA, and USDA limits for 1-4 unit properties.
Charlottesville City Loan Limits: Complete Historical Table
Browse the full historical data for Charlottesville City mortgage loan limits from 1972 to 2026. This comprehensive table shows how loan limits have changed over 50+ years, helping you understand long-term trends in your local housing market.
| Year | Conventional | FHA | VA | USDA |
|---|---|---|---|---|
| 2026 | $832,750 | $541,275 | $832,750 | $433,020 |
| 2025 | $806,500 | $592,250 | $806,500 | - |
| 2024 | $766,550 | $545,100 | $766,550 | - |
| 2023 | $726,200 | $507,150 | $726,200 | - |
| 2022 | $647,200 | $460,000 | $647,200 | - |
| 2021 | $548,250 | $437,000 | $548,250 | - |
| 2020 | $510,400 | $437,000 | $510,400 | - |
| 2019 | $484,350 | $437,000 | $484,350 | - |
| 2018 | $453,100 | $437,000 | $453,100 | - |
| 2017 | $437,000 | $437,000 | $437,000 | - |
| 2016 | $437,000 | $437,000 | $437,000 | - |
| 2015 | $437,000 | $437,000 | $437,000 | - |
| 2014 | $437,000 | $437,000 | $437,000 | - |
| 2013 | $437,000 | $437,000 | $437,000 | - |
| 2012 | $437,000 | $437,000 | $437,000 | - |
| 2011 | $437,000 | $437,000 | $437,000 | - |
| 2010 | $437,000 | $437,000 | $437,000 | - |
| 2009 | $437,000 | $271,050 | $437,000 | - |
| 2008 | $417,000 | $200,160 | $417,000 | - |
Cities in Charlottesville City, Virginia
The following cities and communities are covered by Charlottesville City loan limits. Whether you're looking for mortgage loan limits in Charlottesville or any other Charlottesville City city, the same conventional, FHA, VA, and USDA loan limits apply throughout the county.
Charlottesville City, Virginia Mortgage Market Analysis (2018-2024)
Explore borrowing and mortgage trends in Charlottesville City, including conventional vs. government loan performance, average loan sizes, and market share shifts. Data sourced from HMDA regulatory filings shows how local lending patterns evolve through changing market conditions.
