Mercer County, West Virginia has a 2026 one-unit conforming loan limit of $832,750, which is 6.8 times the county's median home value of $121,700, so a typical home there can be financed with a conforming (non-jumbo) loan; median household income is $53,210 (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) | $121,700 |
| West Virginia median home value | $162,600 |
| Limit ÷ median home value | 6.84× |
| Median household income | $53,210 |
| Median home value ÷ income | 2.3× |
| Population | 58,563 |
| Median property tax paid (owners) | $656 |
| Effective property tax rate (approx.) | 0.54% |
| Owner-occupied homes | 72.9% |
| Home value rank in West Virginia | 37 of 55 counties |
| Neighbor: Bland County, VA | limit $832,750; median home $152,100 |
| Neighbor: Giles County, VA | limit $832,750; median home $151,100 |
| Neighbor: Tazewell County, VA | limit $832,750; median home $118,300 |
| Neighbor: Mcdowell County, WV | limit $832,750; median home $50,000 |
| Neighbor: Raleigh County, WV | limit $832,750; median home $150,900 |
| Neighbor: Summers County, WV | limit $832,750; median home $140,100 |
| Neighbor: Wyoming County, WV | limit $832,750; median home $82,900 |
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. Mercer County's median home value is 25% below the state median of $162,600 (rank 37 of 55). Among its 7 neighboring counties, Bland County has the highest median home value ($152,100) and Mcdowell County the lowest ($50,000); all share the same loan limit. Owners pay a median $656 a year in property tax, an effective rate of about 0.54% 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: Mercer County, NJ
- 2026 conforming loan limit: Mercer County, OH
- 2026 conforming loan limit: Mercer County, PA
- 2026 conforming loan limit: Meriwether County, GA
- 2026 conforming loan limit: Merrick County, NE
- 2026 conforming loan limit: Merrimack County, NH
- 2026 conforming loan limit: Mesa County, CO
- 2026 conforming loan limit: Metcalfe County, KY
Last updated 2026-10-16. Data only, not financial or tax advice.