Jefferson County, West Virginia has a 2026 one-unit conforming loan limit of $1,249,125, which is 3.6 times the county's median home value of $350,800, so a typical home there can be financed with a conforming (non-jumbo) loan; median household income is $98,806 (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) | $1,249,125 |
| 2-unit limit | $1,599,375 |
| 3-unit limit | $1,933,200 |
| 4-unit limit | $2,402,625 |
| Median home value (ACS 2020–24) | $350,800 |
| West Virginia median home value | $162,600 |
| Limit ÷ median home value | 3.56× |
| Median household income | $98,806 |
| Median home value ÷ income | 3.6× |
| Population | 59,260 |
| Median property tax paid (owners) | $1,857 |
| Effective property tax rate (approx.) | 0.53% |
| Owner-occupied homes | 80.3% |
| Home value rank in West Virginia | 1 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: Loudoun County, VA | limit $1,249,125; median home $743,800 |
| Neighbor: Berkeley County, WV | limit $832,750; median home $266,300 |
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. Jefferson County's median home value is 116% above the state median of $162,600 (rank 1 of 55). Among its 5 neighboring counties, Loudoun County has the highest median home value ($743,800) and Berkeley County the lowest ($266,300); 3 neighbor(s) have a different loan limit. Owners pay a median $1,857 a year in property tax, an effective rate of about 0.53% 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: Jefferson County, TX
- 2026 conforming loan limit: Jefferson County, WA
- 2026 conforming loan limit: Jefferson County, WI
- 2026 conforming loan limit: Jefferson Davis County, MS
- 2026 conforming loan limit: Jefferson Davis Parish, LA
- 2026 conforming loan limit: Jefferson Parish, LA
- 2026 conforming loan limit: Jenkins County, GA
- 2026 conforming loan limit: Jennings County, IN
Last updated 2026-10-16. Data only, not financial or tax advice.