Hardy County, West Virginia has a 2026 one-unit conforming loan limit of $832,750, which is 5.0 times the county's median home value of $166,300, so a typical home there can be financed with a conforming (non-jumbo) loan; median household income is $49,272 (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) | $166,300 |
| West Virginia median home value | $162,600 |
| Limit ÷ median home value | 5.01× |
| Median household income | $49,272 |
| Median home value ÷ income | 3.4× |
| Population | 14,243 |
| Median property tax paid (owners) | $575 |
| Effective property tax rate (approx.) | 0.35% |
| Owner-occupied homes | 77.3% |
| Home value rank in West Virginia | 12 of 55 counties |
| Neighbor: Frederick County, VA | limit $832,750; median home $386,000 |
| Neighbor: Rockingham County, VA | limit $832,750; median home $313,000 |
| Neighbor: Shenandoah County, VA | limit $832,750; median home $294,900 |
| Neighbor: Grant County, WV | limit $832,750; median home $175,100 |
| Neighbor: Hampshire County, WV | limit $832,750; median home $219,200 |
| Neighbor: Mineral County, WV | limit $832,750; median home $180,400 |
| Neighbor: Pendleton County, WV | limit $832,750; median home $183,800 |
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. Hardy County's median home value is 2% above the state median of $162,600 (rank 12 of 55). Among its 7 neighboring counties, Frederick County has the highest median home value ($386,000) and Grant County the lowest ($175,100); all share the same loan limit. Owners pay a median $575 a year in property tax, an effective rate of about 0.35% 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
- 2026 conforming loan limit: Hardin County, TX
- 2026 conforming loan limit: Harding County, NM
- 2026 conforming loan limit: Harding County, SD
- 2026 conforming loan limit: Harford County, MD
- 2026 conforming loan limit: Harlan County, KY
- 2026 conforming loan limit: Harlan County, NE
- 2026 conforming loan limit: Harmon County, OK
- 2026 conforming loan limit: Harnett County, NC
Last updated 2026-10-16. Data only, not financial or tax advice.