2025 Loan limits in Virgin Islands by county. Click on the map below to view loan limits for a particular county.
Virgin Islands Bar Graph
Loan Limits are the same across all of Virgin Islands. The conforming loan limits for a single-family home anywhere in Virgin Islands is $1,209,750.
Unlike other areas in the US, loan limits in Virgin Islands are not based on the median home price. Loan limits in Virgin Islands are set equal to the loan limit ceiling in accordance with the 2008 Housing and Economic Recovery Act (HERA) which mandates all loan limits in Virgin Islands be set to the maximum due to high cost of building homes.
View the loan limits overview for information on how loan limits are set for each county. Click on the a specific county from the table below for detailed loan limit information.
Counties in Virgin Islands (3)
| County | Median Home Price | Conforming Loan Limit for Single-Family Home |
|---|---|---|
| St. Croix Island | $405,000 | $1,209,750 |
| St. John Island | $969,000 | $1,209,750 |
| St. Thomas Island | $585,000 | $1,209,750 |
More on Virgin Islands
- Fair Market Rents to view 40th percentile FMRs in Virgin Islands
- Property Taxes to find Property Taxes in Virgin Islands
- Income Limits to learn more about income assistance in Virgin Islands
- Housing Authorites to find Housing Authorities in Virgin Islands
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Data Source
FHA Loan limits are published by the HUD. Conforming loan limits are published by Federal Housing Finance Agency (FHFA).
Last updated on January 5, 2025