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Areas of Economic Opportunity

Certain areas of the state are designated as Areas of Economic Opportunity, also known as Federal Targeted Areas. To help stimulate growth within these areas, Virginia Housing is permitted to relax certain loan program requirements. We may:

  • Raise the maximum allowable income and sales price limits.
  • Waive the first-time homebuyer restriction.*

You’ll also enjoy the other benefits of a Virginia Housing home loan, including affordable rates, our free homebuyer class, and the assurance of knowing your loan will continue to be serviced by Virginia Housing, right here in Virginia.

Many areas throughout Virginia are designated as Federal Targeted Areas. To search for a specific address, click on the map of Virginia below.

 

Federal Targeted Areas Map

For questions and statewide information on Federal Targeted Areas call Virginia Housing's Homeownership Division.

 

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If you are unable to access this page, or if the page doesn’t work as intended, please switch to a supported browser or upgrade your current browser to a supported version. You can also use the address search tool below.

 
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* State:Virginia
*
*

The Geographic Look-up and Targeted Area Search tool are provided as a convenience to visitors of VHDA's web site. Accuracy of the results is not guaranteed.

* Mortgage applicants may not have held an ownership interest in a principal residence within the past three years. This applies to VHDA's First-time Homebuyer programs unless a property is located within a Federal Targeted Area.

 

Federal Targeted Area Limits

Last Updated: 8/18/21
Click on a column header for sorting.
Accomack County $100,800.00 $117,700.00 $325,000.00 Partially Targeted
Albemarle County $100,800.00 $117,700.00 $400,000.00 Partially Targeted
Alexandria City $145,000.00 $170,000.00 $550,000.00 Partially Targeted
Alleghany County $100,800.00 $117,700.00 $325,000.00 Partially Targeted
Amelia County $100,800.00 $117,700.00 $450,000.00 No Targeted Areas
Amherst County $100,800.00 $117,700.00 $325,000.00 Partially Targeted
Appomattox County $100,800.00 $117,700.00 $325,000.00 Partially Targeted
Arlington County $145,000.00 $170,000.00 $550,000.00 Partially Targeted
Augusta County $100,800.00 $117,700.00 $325,000.00 Partially Targeted
Bath County $100,800.00 $117,700.00 $325,000.00 No Targeted Areas
Bedford City $100,800.00 $117,700.00 $325,000.00 No Targeted Areas
Bedford County $100,800.00 $117,700.00 $325,000.00 Partially Targeted
Bland County $100,800.00 $117,700.00 $325,000.00 Partially Targeted
Botetourt County $100,800.00 $117,700.00 $325,000.00 Partially Targeted
Bristol City $100,800.00 $117,700.00 $325,000.00 Partially Targeted
Brunswick County $100,800.00 $117,700.00 $325,000.00 Partially Targeted
Buchanan County $100,800.00 $117,700.00 $325,000.00 Completely Targeted
Buckingham County $100,800.00 $117,700.00 $325,000.00 Partially Targeted
Buena Vista City $100,800.00 $117,700.00 $325,000.00 No Targeted Areas
Campbell County $100,800.00 $117,700.00 $325,000.00 Partially Targeted
Caroline County $100,800.00 $117,700.00 $325,000.00 No Targeted Areas
Carroll County $100,800.00 $117,700.00 $325,000.00 Partially Targeted
Charles City County $100,800.00 $117,700.00 $450,000.00 No Targeted Areas
Charlotte County $100,800.00 $117,700.00 $325,000.00 Partially Targeted
Charlottesville City $100,800.00 $117,700.00 $400,000.00 Partially Targeted
Chesapeake City $100,800.00 $117,700.00 $425,000.00 Partially Targeted
Chesterfield County $100,800.00 $117,700.00 $450,000.00 Partially Targeted
Clarke County $145,000.00 $170,000.00 $550,000.00 No Targeted Areas
Colonial Heights City $100,800.00 $117,700.00 $450,000.00 Partially Targeted
Covington City $100,800.00 $117,700.00 $325,000.00 No Targeted Areas
Craig County $100,800.00 $117,700.00 $325,000.00 Partially Targeted
Culpeper County $100,800.00 $117,700.00 $475,000.00 No Targeted Areas
Cumberland County $100,800.00 $117,700.00 $325,000.00 Partially Targeted
Danville City $100,800.00 $117,700.00 $325,000.00 Partially Targeted
Dickenson County $100,800.00 $117,700.00 $325,000.00 Completely Targeted
Dinwiddie County $100,800.00 $117,700.00 $450,000.00 Partially Targeted
Emporia City $100,800.00 $117,700.00 $325,000.00 Partially Targeted
Essex County $100,800.00 $117,700.00 $325,000.00 No Targeted Areas
Fairfax City $145,000.00 $170,000.00 $550,000.00 No Targeted Areas
Fairfax County $145,000.00 $170,000.00 $550,000.00 No Targeted Areas
Falls Church City $145,000.00 $170,000.00 $550,000.00 No Targeted Areas
Fauquier County $145,000.00 $170,000.00 $550,000.00 Partially Targeted
Floyd County $100,800.00 $117,700.00 $325,000.00 Partially Targeted
Fluvanna County $100,800.00 $117,700.00 $400,000.00 Partially Targeted
Franklin City $100,800.00 $117,700.00 $325,000.00 Partially Targeted
Franklin County $100,800.00 $117,700.00 $325,000.00 Partially Targeted
Frederick County $100,800.00 $117,700.00 $325,000.00 Partially Targeted
Fredericksburg City $145,000.00 $170,000.00 $550,000.00 Partially Targeted
Galax City $100,800.00 $117,700.00 $325,000.00 Partially Targeted
Giles County $100,800.00 $117,700.00 $325,000.00 No Targeted Areas
Gloucester County $100,800.00 $117,700.00 $425,000.00 No Targeted Areas
Goochland County $100,800.00 $117,700.00 $450,000.00 No Targeted Areas
Grayson County $100,800.00 $117,700.00 $325,000.00 Partially Targeted
Greene County $100,800.00 $117,700.00 $400,000.00 Partially Targeted
Greensville County $100,800.00 $117,700.00 $325,000.00 Partially Targeted
Halifax County $100,800.00 $117,700.00 $325,000.00 Partially Targeted
Hampton City $100,800.00 $117,700.00 $425,000.00 Partially Targeted
Hanover County $100,800.00 $117,700.00 $450,000.00 No Targeted Areas
Harrisonburg City $100,800.00 $117,700.00 $325,000.00 Partially Targeted
Henrico County $100,800.00 $117,700.00 $450,000.00 Partially Targeted
Henry County $100,800.00 $117,700.00 $325,000.00 Partially Targeted
Highland County $100,800.00 $117,700.00 $325,000.00 No Targeted Areas
Hopewell City $100,800.00 $117,700.00 $450,000.00 Partially Targeted
Isle of Wight County $100,800.00 $117,700.00 $425,000.00 Partially Targeted
James City County $100,800.00 $117,700.00 $425,000.00 Partially Targeted
King and Queen County $100,800.00 $117,700.00 $325,000.00 No Targeted Areas
King George County $113,300.00 $132,200.00 $325,000.00 No Targeted Areas
King William County $100,800.00 $117,700.00 $450,000.00 No Targeted Areas
Lancaster County $100,800.00 $117,700.00 $325,000.00 No Targeted Areas
Lee County $100,800.00 $117,700.00 $325,000.00 Completely Targeted
Lexington City $100,800.00 $117,700.00 $325,000.00 No Targeted Areas
Loudoun County $145,000.00 $170,000.00 $550,000.00 No Targeted Areas
Louisa County $100,800.00 $117,700.00 $325,000.00 No Targeted Areas
Lunenburg County $100,800.00 $117,700.00 $325,000.00 Partially Targeted
Lynchburg City $100,800.00 $117,700.00 $325,000.00 Partially Targeted
Madison County $100,800.00 $117,700.00 $325,000.00 Partially Targeted
Manassas City $145,000.00 $170,000.00 $550,000.00 No Targeted Areas
Manassas Park City $145,000.00 $170,000.00 $550,000.00 No Targeted Areas
Martinsville City $100,800.00 $117,700.00 $325,000.00 Partially Targeted
Mathews County $100,800.00 $117,700.00 $425,000.00 No Targeted Areas
Mecklenburg County $100,800.00 $117,700.00 $325,000.00 Partially Targeted
Middlesex County $100,800.00 $117,700.00 $325,000.00 No Targeted Areas
Montgomery County $100,800.00 $117,700.00 $325,000.00 Partially Targeted
Nelson County $100,800.00 $117,700.00 $400,000.00 Partially Targeted
New Kent County $100,800.00 $117,700.00 $450,000.00 No Targeted Areas
Newport News City $100,800.00 $117,700.00 $425,000.00 Partially Targeted
Norfolk City $100,800.00 $117,700.00 $425,000.00 Partially Targeted
Northampton County $100,800.00 $117,700.00 $325,000.00 No Targeted Areas
Northumberland County $100,800.00 $117,700.00 $325,000.00 No Targeted Areas
Norton City $100,800.00 $117,700.00 $325,000.00 Completely Targeted
Nottoway County $100,800.00 $117,700.00 $325,000.00 No Targeted Areas
Orange County $100,800.00 $117,700.00 $325,000.00 No Targeted Areas
Page County $100,800.00 $117,700.00 $325,000.00 Partially Targeted
Patrick County $100,800.00 $117,700.00 $325,000.00 Partially Targeted
Petersburg City $100,800.00 $117,700.00 $450,000.00 Partially Targeted
Pittsylvania County $100,800.00 $117,700.00 $325,000.00 Partially Targeted
Poquoson City $100,800.00 $117,700.00 $425,000.00 No Targeted Areas
Portsmouth City $100,800.00 $117,700.00 $425,000.00 Partially Targeted
Powhatan County $100,800.00 $117,700.00 $450,000.00 No Targeted Areas
Prince Edward County $100,800.00 $117,700.00 $325,000.00 Partially Targeted
Prince George County $100,800.00 $117,700.00 $450,000.00 Partially Targeted
Prince William County $145,000.00 $170,000.00 $550,000.00 Partially Targeted
Pulaski County $100,800.00 $117,700.00 $325,000.00 Partially Targeted
Radford City $100,800.00 $117,700.00 $325,000.00 No Targeted Areas
Rappahannock County $100,800.00 $117,700.00 $475,000.00 No Targeted Areas
Richmond City $100,800.00 $117,700.00 $450,000.00 Partially Targeted
Richmond County $100,800.00 $117,700.00 $325,000.00 No Targeted Areas
Roanoke City $100,800.00 $117,700.00 $325,000.00 Partially Targeted
Roanoke County $100,800.00 $117,700.00 $325,000.00 Partially Targeted
Rockbridge County $100,800.00 $117,700.00 $325,000.00 No Targeted Areas
Rockingham County $100,800.00 $117,700.00 $325,000.00 Partially Targeted
Russell County $100,800.00 $117,700.00 $325,000.00 Completely Targeted
Salem City $100,800.00 $117,700.00 $325,000.00 No Targeted Areas
Scott County $100,800.00 $117,700.00 $325,000.00 Completely Targeted
Shenandoah County $100,800.00 $117,700.00 $325,000.00 No Targeted Areas
Smyth County $100,800.00 $117,700.00 $325,000.00 Partially Targeted
Southampton County $100,800.00 $117,700.00 $325,000.00 Partially Targeted
Spotsylvania County $145,000.00 $170,000.00 $550,000.00 No Targeted Areas
Stafford County $145,000.00 $170,000.00 $550,000.00 Partially Targeted
Staunton City $100,800.00 $117,700.00 $325,000.00 Partially Targeted
Suffolk City $100,800.00 $117,700.00 $425,000.00 Partially Targeted
Surry County $100,800.00 $117,700.00 $325,000.00 Partially Targeted
Sussex County $100,800.00 $117,700.00 $450,000.00 Partially Targeted
Tazewell County $100,800.00 $117,700.00 $325,000.00 Completely Targeted
Virginia Beach City $100,800.00 $117,700.00 $425,000.00 Partially Targeted
Warren County $100,800.00 $117,700.00 $475,000.00 No Targeted Areas
Washington County $100,800.00 $117,700.00 $325,000.00 Partially Targeted
Waynesboro City $100,800.00 $117,700.00 $325,000.00 Partially Targeted
Westmoreland County $100,800.00 $117,700.00 $325,000.00 No Targeted Areas
Williamsburg City $100,800.00 $117,700.00 $425,000.00 No Targeted Areas
Winchester City $100,800.00 $117,700.00 $325,000.00 Partially Targeted
Wise County $100,800.00 $117,700.00 $325,000.00 Completely Targeted
Wythe County $100,800.00 $117,700.00 $325,000.00 Partially Targeted
York County $100,800.00 $117,700.00 $425,000.00 Partially Targeted