VA mortgage rates

Virginia Beach City County

Clear, current 2026 mortgage and refinance loan limits for homeowners in Virginia Beach City County, Virginia. Use the verified baseline numbers below to calculate your refinance payment, evaluate your home equity, and monitor when rate alerts make refinancing advantageous.

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2026 limits

2026 Mortgage Loan Limits

Virginia Beach City County

Conforming Loan Limits

Per property
1 unit$832,750
2 units$1,066,250
3 units$1,288,800
4 units$1,601,750

FHA Loan Limits

Per property
1 unit$757,850
2 units$970,200
3 units$1,172,750
4 units$1,457,450

Source: Official Federal Housing Finance Agency (FHFA) and HUD loan limit schedules. Conforming data represents conventional maximums. Last synchronized: 2026 update cycle.

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Refinance Payment Estimate

Estimate Your Refinance in Virginia Beach City County

Use your current mortgage details to estimate a new refinance payment and potential monthly savings.

Estimated New Monthly Payment$2,528Principal & interest only
Home value − mortgage balance
Mortgage balance ÷ home value
Added to the proposed new loan
Proposed New Loan Amount$400,000
Estimated New Payment$2,528
Estimated Monthly SavingsAdd current rate
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Estimates include principal and interest only. Taxes, insurance, closing costs, and mortgage insurance are not included.

About Virginia Beach City

A local view of the market.

Virginia Beach City, Virginia, has a thriving real estate market with a median listing home price of $410,000 as of October 2024, reflecting a 5.2% increase from the previous year. The median price per square foot is $239, and homes typically sell for around $384,500. Virginia Beach City is the main city in the county, with a population of approximately 450,000 residents. It is known for its vibrant community and diverse neighborhoods, including North Virginia Beach and Sandbridge, which are popular for their scenic views and recreational opportunities. Living in Virginia Beach City offers a suburban lifestyle with a mix of urban and rural elements. The area is known for its beautiful beaches, parks, and a strong sense of community. The economy is supported by industries such as tourism, military, and agriculture, attracting people for its job opportunities and quality of life. The real estate market sees migration from those seeking a coastal lifestyle and a family-friendly environment.

County snapshot

Market context.

VA

Public location data associated with this county record. Optional fields are shown only when present in the source.

Market areaVirginia Beach-Norfolk-Newport NewsMapped market area
Area code47260CBSA / MSA reference
Featured communityVirginia BeachFrom the county record
Data year2026Aligned with this limit record
Virginia Beach
Top cities & communities

Communities to explore.

Virginia Beach
Questions & Answers

Refinancing in Virginia Beach City County

Common questions about 2026 loan limits and refinancing opportunities in Virginia.

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