Berkeley County, West Virginia has a 2026 one-unit conforming loan limit of $832,750, which is 3.1 times the county's median home value of $266,300, so a typical home there can be financed with a conforming (non-jumbo) loan; median household income is $80,815 (FHFA; Census ACS 2020–2024).
Data as of 2026. Source: FHFA 2026 conforming loan limits; U.S. Census Bureau ACS 2020–2024
| Item | Value |
|---|---|
| 1-unit limit (2026) | $832,750 |
| 2-unit limit | $1,066,250 |
| 3-unit limit | $1,288,800 |
| 4-unit limit | $1,601,750 |
| Median home value (ACS 2020–24) | $266,300 |
| West Virginia median home value | $162,600 |
| Limit ÷ median home value | 3.13× |
| Median household income | $80,815 |
| Median home value ÷ income | 3.3× |
| Population | 129,514 |
| Median property tax paid (owners) | $1,398 |
| Effective property tax rate (approx.) | 0.52% |
| Owner-occupied homes | 76.0% |
| Home value rank in West Virginia | 3 of 55 counties |
| Neighbor: Washington County, MD | limit $832,750; median home $296,100 |
| Neighbor: Clarke County, VA | limit $1,249,125; median home $550,100 |
| Neighbor: Frederick County, VA | limit $832,750; median home $386,000 |
| Neighbor: Jefferson County, WV | limit $1,249,125; median home $350,800 |
| Neighbor: Morgan County, WV | limit $832,750; median home $240,600 |
Across West Virginia's 55 counties, FHFA's 2026 one-unit limits range from $832,750 to $1,249,125, with 1 high-cost county. Berkeley County's median home value is 64% above the state median of $162,600 (rank 3 of 55). Among its 5 neighboring counties, Clarke County has the highest median home value ($550,100) and Morgan County the lowest ($240,600); 2 neighbor(s) have a different loan limit. Owners pay a median $1,398 a year in property tax, an effective rate of about 0.52% of home value.
County data: U.S. Census Bureau, American Community Survey 5-year estimates 2020–2024 (tables B25077, B19013, B01003, B25103, B25003). Neighbors: Census county adjacency file.
Related
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- 2026 conforming loan limit: Bergen County, NJ
- 2026 conforming loan limit: Berkeley County, SC
- 2026 conforming loan limit: Berks County, PA
- 2026 conforming loan limit: Berkshire County, MA
- 2026 conforming loan limit: Bernalillo County, NM
- 2026 conforming loan limit: Berrien County, GA
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Last updated 2026-10-16. Data only, not financial or tax advice.