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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.

Area/ Jurisdiction Gross Household Income 2 or Fewer Persons Gross Household Income 3 or More Persons Sales Price/Loan Limits New & Existing Construction Targeted Area Status
Accomack County $115,000.00 $135,000.00 $380,000.00 Partially Targeted
Albemarle County $115,000.00 $135,000.00 $400,000.00 Partially Targeted
Alexandria City $162,000.00 $189,000.00 $665,000.00 Partially Targeted
Alleghany County $115,000.00 $135,000.00 $380,000.00 Partially Targeted
Amelia County $115,000.00 $135,000.00 $450,000.00 No Targeted Areas
Amherst County $115,000.00 $135,000.00 $380,000.00 No Targeted Areas
Appomattox County $115,000.00 $135,000.00 $380,000.00 No Targeted Areas
Arlington County $162,000.00 $189,000.00 $665,000.00 Partially Targeted
Augusta County $115,000.00 $135,000.00 $380,000.00 No Targeted Areas
Bath County $115,000.00 $135,000.00 $380,000.00 No Targeted Areas
Bedford City $115,000.00 $135,000.00 $380,000.00 No Targeted Areas
Bedford County $115,000.00 $135,000.00 $380,000.00 No Targeted Areas
Bland County $115,000.00 $135,000.00 $380,000.00 No Targeted Areas
Botetourt County $115,000.00 $135,000.00 $380,000.00 No Targeted Areas
Bristol City $115,000.00 $135,000.00 $380,000.00 Partially Targeted
Brunswick County $115,000.00 $135,000.00 $380,000.00 Partially Targeted
Buchanan County $115,000.00 $135,000.00 $380,000.00 Completely Targeted
Buckingham County $115,000.00 $135,000.00 $380,000.00 No Targeted Areas
Buena Vista City $115,000.00 $135,000.00 $380,000.00 No Targeted Areas
Campbell County $115,000.00 $135,000.00 $380,000.00 Partially Targeted
Caroline County $115,000.00 $135,000.00 $380,000.00 No Targeted Areas
Carroll County $115,000.00 $135,000.00 $380,000.00 No Targeted Areas
Charles City County $115,000.00 $135,000.00 $450,000.00 No Targeted Areas
Charlotte County $115,000.00 $135,000.00 $380,000.00 Partially Targeted
Charlottesville City $115,000.00 $135,000.00 $400,000.00 Partially Targeted
Chesapeake City $115,000.00 $135,000.00 $425,000.00 Partially Targeted
Chesterfield County $115,000.00 $135,000.00 $450,000.00 Partially Targeted
Clarke County $162,000.00 $189,000.00 $665,000.00 No Targeted Areas
Colonial Heights City $115,000.00 $135,000.00 $450,000.00 Partially Targeted
Covington City $115,000.00 $135,000.00 $380,000.00 No Targeted Areas
Craig County $115,000.00 $135,000.00 $380,000.00 No Targeted Areas
Culpeper County $115,000.00 $135,000.00 $625,000.00 No Targeted Areas
Cumberland County $115,000.00 $135,000.00 $380,000.00 No Targeted Areas
Danville City $115,000.00 $135,000.00 $380,000.00 Partially Targeted
Dickenson County $115,000.00 $135,000.00 $380,000.00 Completely Targeted
Dinwiddie County $115,000.00 $135,000.00 $450,000.00 Partially Targeted
Emporia City $115,000.00 $135,000.00 $380,000.00 Completely Targeted
Essex County $115,000.00 $135,000.00 $380,000.00 No Targeted Areas
Fairfax City $162,000.00 $189,000.00 $665,000.00 No Targeted Areas
Fairfax County $162,000.00 $189,000.00 $665,000.00 Partially Targeted
Falls Church City $162,000.00 $189,000.00 $665,000.00 No Targeted Areas
Fauquier County $162,000.00 $189,000.00 $665,000.00 No Targeted Areas
Floyd County $115,000.00 $135,000.00 $380,000.00 No Targeted Areas
Fluvanna County $115,000.00 $135,000.00 $400,000.00 No Targeted Areas
Franklin City $115,000.00 $135,000.00 $380,000.00 Partially Targeted
Franklin County $115,000.00 $135,000.00 $380,000.00 Partially Targeted
Frederick County $115,000.00 $135,000.00 $380,000.00 No Targeted Areas
Fredericksburg City $162,000.00 $189,000.00 $665,000.00 Partially Targeted
Galax City $115,000.00 $135,000.00 $380,000.00 Partially Targeted
Giles County $115,000.00 $135,000.00 $380,000.00 No Targeted Areas
Gloucester County $115,000.00 $135,000.00 $425,000.00 No Targeted Areas
Goochland County $115,000.00 $135,000.00 $450,000.00 No Targeted Areas
Grayson County $115,000.00 $135,000.00 $380,000.00 Partially Targeted
Greene County $115,000.00 $135,000.00 $400,000.00 No Targeted Areas
Greensville County $115,000.00 $135,000.00 $380,000.00 No Targeted Areas
Halifax County $115,000.00 $135,000.00 $380,000.00 No Targeted Areas
Hampton City $115,000.00 $135,000.00 $425,000.00 Partially Targeted
Hanover County $115,000.00 $135,000.00 $450,000.00 No Targeted Areas
Harrisonburg City $115,000.00 $135,000.00 $380,000.00 Partially Targeted
Henrico County $115,000.00 $135,000.00 $450,000.00 Partially Targeted
Henry County $115,000.00 $135,000.00 $380,000.00 Partially Targeted
Highland County $115,000.00 $135,000.00 $380,000.00 No Targeted Areas
Hopewell City $115,000.00 $135,000.00 $450,000.00 Partially Targeted
Isle of Wight County $115,000.00 $135,000.00 $425,000.00 No Targeted Areas
James City County $115,000.00 $135,000.00 $425,000.00 No Targeted Areas
King and Queen County $115,000.00 $135,000.00 $380,000.00 No Targeted Areas
King George County $115,000.00 $135,000.00 $380,000.00 No Targeted Areas
King William County $115,000.00 $135,000.00 $450,000.00 No Targeted Areas
Lancaster County $115,000.00 $135,000.00 $380,000.00 No Targeted Areas
Lee County $115,000.00 $135,000.00 $380,000.00 Partially Targeted
Lexington City $115,000.00 $135,000.00 $380,000.00 No Targeted Areas
Loudoun County $162,000.00 $189,000.00 $665,000.00 Partially Targeted
Louisa County $115,000.00 $135,000.00 $380,000.00 No Targeted Areas
Lunenburg County $115,000.00 $135,000.00 $380,000.00 No Targeted Areas
Lynchburg City $115,000.00 $135,000.00 $380,000.00 Partially Targeted
Madison County $115,000.00 $135,000.00 $380,000.00 No Targeted Areas
Manassas City $162,000.00 $189,000.00 $665,000.00 Partially Targeted
Manassas Park City $162,000.00 $189,000.00 $665,000.00 Partially Targeted
Martinsville City $115,000.00 $135,000.00 $380,000.00 Partially Targeted
Mathews County $115,000.00 $135,000.00 $425,000.00 No Targeted Areas
Mecklenburg County $115,000.00 $135,000.00 $380,000.00 No Targeted Areas
Middlesex County $115,000.00 $135,000.00 $380,000.00 No Targeted Areas
Montgomery County $115,000.00 $135,000.00 $380,000.00 Partially Targeted
Nelson County $115,000.00 $135,000.00 $400,000.00 No Targeted Areas
New Kent County $115,000.00 $135,000.00 $450,000.00 No Targeted Areas
Newport News City $115,000.00 $135,000.00 $425,000.00 Partially Targeted
Norfolk City $115,000.00 $135,000.00 $425,000.00 Partially Targeted
Northampton County $115,000.00 $135,000.00 $380,000.00 Partially Targeted
Northumberland County $115,000.00 $135,000.00 $380,000.00 No Targeted Areas
Norton City $115,000.00 $135,000.00 $380,000.00 Completely Targeted
Nottoway County $115,000.00 $135,000.00 $380,000.00 No Targeted Areas
Orange County $115,000.00 $135,000.00 $380,000.00 No Targeted Areas
Page County $115,000.00 $135,000.00 $380,000.00 No Targeted Areas
Patrick County $115,000.00 $135,000.00 $380,000.00 No Targeted Areas
Petersburg City $115,000.00 $135,000.00 $450,000.00 Partially Targeted
Pittsylvania County $115,000.00 $135,000.00 $380,000.00 No Targeted Areas
Poquoson City $115,000.00 $135,000.00 $425,000.00 No Targeted Areas
Portsmouth City $115,000.00 $135,000.00 $425,000.00 Partially Targeted
Powhatan County $115,000.00 $135,000.00 $450,000.00 No Targeted Areas
Prince Edward County $115,000.00 $135,000.00 $380,000.00 Partially Targeted
Prince George County $115,000.00 $135,000.00 $450,000.00 No Targeted Areas
Prince William County $162,000.00 $189,000.00 $665,000.00 Partially Targeted
Pulaski County $115,000.00 $135,000.00 $380,000.00 No Targeted Areas
Radford City $115,000.00 $135,000.00 $380,000.00 Partially Targeted
Rappahannock County $115,000.00 $135,000.00 $625,000.00 No Targeted Areas
Richmond City $115,000.00 $135,000.00 $450,000.00 Partially Targeted
Richmond County $115,000.00 $135,000.00 $380,000.00 No Targeted Areas
Roanoke City $115,000.00 $135,000.00 $380,000.00 Partially Targeted
Roanoke County $115,000.00 $135,000.00 $380,000.00 No Targeted Areas
Rockbridge County $115,000.00 $135,000.00 $380,000.00 No Targeted Areas
Rockingham County $115,000.00 $135,000.00 $380,000.00 Partially Targeted
Russell County $115,000.00 $135,000.00 $380,000.00 Completely Targeted
Salem City $115,000.00 $135,000.00 $380,000.00 No Targeted Areas
Scott County $115,000.00 $135,000.00 $380,000.00 Completely Targeted
Shenandoah County $115,000.00 $135,000.00 $380,000.00 No Targeted Areas
Smyth County $115,000.00 $135,000.00 $380,000.00 Partially Targeted
Southampton County $115,000.00 $135,000.00 $380,000.00 No Targeted Areas
Spotsylvania County $162,000.00 $189,000.00 $665,000.00 Partially Targeted
Stafford County $162,000.00 $189,000.00 $665,000.00 No Targeted Areas
Staunton City $115,000.00 $135,000.00 $380,000.00 No Targeted Areas
Suffolk City $115,000.00 $135,000.00 $425,000.00 Partially Targeted
Surry County $115,000.00 $135,000.00 $380,000.00 No Targeted Areas
Sussex County $115,000.00 $135,000.00 $450,000.00 Partially Targeted
Tazewell County $115,000.00 $135,000.00 $380,000.00 Completely Targeted
Virginia Beach City $115,000.00 $135,000.00 $425,000.00 Partially Targeted
Warren County $115,000.00 $135,000.00 $625,000.00 No Targeted Areas
Washington County $115,000.00 $135,000.00 $380,000.00 Partially Targeted
Waynesboro City $115,000.00 $135,000.00 $380,000.00 Partially Targeted
Westmoreland County $115,000.00 $135,000.00 $380,000.00 No Targeted Areas
Williamsburg City $115,000.00 $135,000.00 $425,000.00 No Targeted Areas
Winchester City $115,000.00 $135,000.00 $380,000.00 Partially Targeted
Wise County $115,000.00 $135,000.00 $380,000.00 Completely Targeted
Wythe County $115,000.00 $135,000.00 $380,000.00 No Targeted Areas
York County $115,000.00 $135,000.00 $425,000.00 No Targeted Areas