2026 Mortgage Loan Limits for Louisa County, Virginia
Louisa County 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.
Louisa County Loan Limits: Complete Historical Table
Browse the full historical data for Louisa County 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 | $524,225 | $806,500 | $419,380 |
| 2024 | $766,550 | $498,257 | $766,550 | $398,606 |
| 2023 | $726,200 | $472,030 | $726,200 | $377,624 |
| 2022 | $647,200 | $420,680 | $647,200 | - |
| 2021 | $548,250 | $356,362 | $548,250 | - |
| 2020 | $535,900 | $331,760 | $535,900 | - |
| 2019 | $535,900 | $314,827 | $535,900 | - |
| 2018 | $535,900 | $294,515 | $535,900 | - |
| 2017 | $535,900 | $275,665 | $535,900 | - |
| 2016 | $535,900 | $271,050 | $535,900 | - |
| 2015 | $535,900 | $271,050 | $535,900 | - |
| 2014 | $535,900 | $271,050 | $535,900 | - |
| 2013 | $535,900 | $535,900 | $535,900 | - |
| 2012 | $535,900 | $535,900 | $535,900 | - |
| 2011 | $535,900 | $535,900 | $535,900 | - |
| 2010 | $535,900 | $535,900 | $535,900 | - |
| 2009 | $535,900 | $271,050 | $535,900 | - |
| 2008 | $417,000 | $200,160 | $417,000 | - |
Cities in Louisa County, Virginia
The following cities and communities are covered by Louisa County loan limits. Whether you're looking for mortgage loan limits in Blue Ridge Shores, Louisa, Mineral or any other Louisa County city, the same conventional, FHA, VA, and USDA loan limits apply throughout the county.
Louisa County, Virginia Mortgage Market Analysis (2018-2024)
Explore borrowing and mortgage trends in Louisa County, 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.
Loan Count by Loan Type (Louisa County, Virginia)
Number of mortgage loans originated by loan type (Conventional, FHA, VA, USDA) in Louisa County from 2019-2024, showing the 1-year change from 2023 to 2024.
| Loan Type | 2019 | 2023 | 2024 | 1-Year Change |
|---|---|---|---|---|
| Conventional | 832 | 506 | 533 | ▲5.34% |
| FHA | 244 | 196 | 230 | ▲17.35% |
| VA | 220 | 110 | 168 | ▲52.73% |
| USDA | 69 | 10 | 7 | ▼-30.00% |
Market Share by Loan Type (Louisa County, Virginia)
Market share percentage by loan type (Conventional, FHA, VA, USDA) in Louisa County from 2019-2024, showing the 1-year change from 2023 to 2024.
| Loan Type | 2019 | 2023 | 2024 | 1-Year Change |
|---|---|---|---|---|
| Conventional | 60.95% | 61.56% | 56.82% | ▼-4.74% |
| FHA | 17.88% | 23.84% | 24.52% | ▲0.68% |
| VA | 16.12% | 13.38% | 17.91% | ▲4.53% |
| USDA | 5.05% | 1.22% | 0.75% | ▼-0.47% |
Average Loan-to-Value by Loan Type (Louisa County, Virginia)
Average loan-to-value ratio by loan type (Conventional, FHA, VA, USDA) in Louisa County from 2019-2024, showing the 1-year change from 2023 to 2024.
| Loan Type | 2019 | 2023 | 2024 | 1-Year Change |
|---|---|---|---|---|
| Conventional | 76.00% | 71.80% | 76.20% | ▲4.40% |
| FHA | 96.70% | 89.30% | 88.50% | ▼-0.80% |
| VA | 98.60% | 94.50% | 97.30% | ▲2.80% |
| USDA | 100.00% | 98.00% | 98.20% | ▲0.20% |
