2026 FHA Loan Limits in West Virginia
FHA loans can help qualified buyers score easier credit qualifications and low down payments. But there are limits to how much house you can afford with this kind of mortgage, and the amount you can borrow also depends on the county you want to reside in. In 2026 in West Virginia, FHA loan limits vary by county, from $541,287 for single-family homes in most areas to $1,249,125 in high-cost metros. Below, we’ll dive into the specifics — and what you need to know to qualify.
West Virginia FHA loan limits by county
| County Name | One Unit | Two Units | Three Units | Four Units | Median Sales Price |
|---|---|---|---|---|---|
| BARBOUR COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $98,000 |
| BERKELEY COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $300,000 |
| BOONE COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $178,000 |
| BRAXTON COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $75,000 |
| BROOKE COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $174,000 |
| CABELL COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $243,000 |
| CALHOUN COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $144,000 |
| CLAY COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $178,000 |
| DODDRIDGE COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $145,000 |
| FAYETTE COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $140,000 |
| GILMER COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $95,000 |
| GRANT COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $134,000 |
| GREENBRIER COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $169,000 |
| HAMPSHIRE COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $420,000 |
| HANCOCK COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $174,000 |
| HARDY COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $150,000 |
| HARRISON COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $145,000 |
| JACKSON COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $150,000 |
| JEFFERSON COUNTY | $1,249,125 | $1,599,375 | $1,933,200 | $2,402,625 | $1,198,000 |
| KANAWHA COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $178,000 |
| LEWIS COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $90,000 |
| LINCOLN COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $134,000 |
| LOGAN COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $70,000 |
| MARION COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $141,000 |
| MARSHALL COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $228,000 |
| MASON COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $165,000 |
| MCDOWELL COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $64,000 |
| MERCER COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $125,000 |
| MINERAL COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $187,000 |
| MINGO COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $54,000 |
| MONONGALIA COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $270,000 |
| MONROE COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $125,000 |
| MORGAN COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $300,000 |
| NICHOLAS COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $115,000 |
| OHIO COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $228,000 |
| PENDLETON COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $150,000 |
| PLEASANTS COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $137,000 |
| POCAHONTAS COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $93,000 |
| PRESTON COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $270,000 |
| PUTNAM COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $243,000 |
| RALEIGH COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $140,000 |
| RANDOLPH COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $178,000 |
| RITCHIE COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $75,000 |
| ROANE COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $75,000 |
| SUMMERS COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $96,000 |
| TAYLOR COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $145,000 |
| TUCKER COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $195,000 |
| TYLER COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $95,000 |
| UPSHUR COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $165,000 |
| WAYNE COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $243,000 |
| WEBSTER COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $65,000 |
| WETZEL COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $111,000 |
| WIRT COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $152,000 |
| WOOD COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $152,000 |
| WYOMING COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $40,000 |
How are FHA loan limits determined?
FHA loan limits are calculated using the conforming loan limits that are set each year by the Federal Housing Finance Agency (FHFA). The FHA loan limit is a percentage of the conforming loan limit, which governs conventional loans that conform to the guidelines of Fannie Mae and Freddie Mac.
In 2026, the FHA loan “floor,” or lowest limit, is $541,287 — as it is in most West Virginia counties. That number is 65% of the year’s conforming loan limit. The FHA loan “ceiling,” or highest limit, is $1,249,125, as it is in Jefferson County, West Virginia. That’s 150% of the conforming loan limit.
How to qualify for an FHA loan in West Virginia
Qualifying for an FHA loan can be easier than qualifying for a conventional loan, especially for borrowers with imperfect credit histories. That’s because the FHA backs the loan, making the deal less risky for the lending institution (like a bank or credit union).
To qualify for an FHA home loan, you’ll need:
- Minimum 500 credit score: You’ll need a minimum 500 credit score to qualify for an FHA loan, and if your score is between 500 and 579, you’ll need to provide a 10% down payment.
- Minimum 3.5% down payment: If your credit score is at least 580 or higher, then you only need a 3.5% down payment. But if your credit score is lower, you’ll be subject to the 10% down payment requirement.
- Maximum 43% debt-to-income (DTI) ratio: Your DTI ratio measures how much of your gross monthly income goes toward repaying debt. To qualify for an FHA loan, you’ll need a DTI ratio of 43% or less.
- Mortgage insurance: You’ll be required to pay a mortgage insurance premium (MIP) for an FHA loan, which consists of two parts: An upfront premium equal to 1.75% of the total loan, plus an annual mortgage insurance premium that ranges from 0.15% to 0.75% of the loan amount and is spread across your monthly mortgage payment.
- Proof of employment and/or steady income: Be prepared to provide proof of your income to qualify for an FHA mortgage, including copies of your W-2s.
- Occupancy: You must live in the home as your primary residence for at least one year.
Conventional loans usually require a minimum 620 credit score, which is part of why FHA loans can be so helpful for some buyers. Your debt-to-income ratio, which expresses the amount of debt you pay each month against your available income, must be below 43%, which is only slightly lower than the 45% required for most conventional loans.
Buying a multifamily property with an FHA loan
The limits we’ve discussed so far apply to single-family homes, but the FHA program does allow borrowers to buy multifamily homes — those with between two and four units — as well. Buying a home with multiple units is one popular form of house hacking.
Just like single-family homes, qualifying buyers will be able to purchase multifamily homes with just 3.5% down. To be eligible, you’ll need to meet similar criteria as those using an FHA loan for a single-family purchase:
- A credit score of at least 500 for 10% down
- A credit score of at least 580 for 3.5% down
- To live in one unit of the home as your primary residence
Additionally, the units you rent out must be rented on a long-term basis (30 or more days) rather than as short-term rentals (such as Airbnbs). The loan limits for multifamily FHA loans are a bit higher than the single-family limits.
| Number of units | Low-cost FHA loan limit |
|---|---|
| Two | $693,050 |
| Three | $837,700 |
| Four | $1,041,125 |
FHA lenders in West Virginia
| Lender | LendingTree rating | Min. FHA credit score | |
|---|---|---|---|
 |
Expert review from LendingTree.
| 580 | |
 |
Expert review from LendingTree.
| 580 | |
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Expert review from LendingTree.
| 580 | |
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Expert review from LendingTree.
| 580 | |
 |
Expert review from LendingTree.
| 580 |
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