Lincoln County, West Virginia has a 2026 one-unit conforming loan limit of $832,750, which is 7.9 times the county's median home value of $105,300, so a typical home there can be financed with a conforming (non-jumbo) loan; median household income is $46,205 (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) | $105,300 |
| West Virginia median home value | $162,600 |
| Limit ÷ median home value | 7.91× |
| Median household income | $46,205 |
| Median home value ÷ income | 2.3× |
| Population | 19,902 |
| Median property tax paid (owners) | $538 |
| Effective property tax rate (approx.) | 0.51% |
| Owner-occupied homes | 74.5% |
| Home value rank in West Virginia | 47 of 55 counties |
| Neighbor: Boone County, WV | limit $832,750; median home $93,100 |
| Neighbor: Cabell County, WV | limit $832,750; median home $164,400 |
| Neighbor: Kanawha County, WV | limit $832,750; median home $147,300 |
| Neighbor: Logan County, WV | limit $832,750; median home $103,400 |
| Neighbor: Mingo County, WV | limit $832,750; median home $90,500 |
| Neighbor: Putnam County, WV | limit $832,750; median home $223,300 |
| Neighbor: Wayne County, WV | limit $832,750; median home $127,100 |
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. Lincoln County's median home value is 35% below the state median of $162,600 (rank 47 of 55). Among its 7 neighboring counties, Putnam County has the highest median home value ($223,300) and Mingo County the lowest ($90,500); all share the same loan limit. Owners pay a median $538 a year in property tax, an effective rate of about 0.51% 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: Lincoln County, TN
- 2026 conforming loan limit: Lincoln County, WA
- 2026 conforming loan limit: Lincoln County, WI
- 2026 conforming loan limit: Lincoln County, WY
- 2026 conforming loan limit: Lincoln Parish, LA
- 2026 conforming loan limit: Linn County, IA
- 2026 conforming loan limit: Linn County, KS
- 2026 conforming loan limit: Linn County, MO
Last updated 2026-10-16. Data only, not financial or tax advice.