Putnam County, West Virginia has a 2026 one-unit conforming loan limit of $832,750, which is 3.7 times the county's median home value of $223,300, so a typical home there can be financed with a conforming (non-jumbo) loan; median household income is $79,527 (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) | $223,300 |
| West Virginia median home value | $162,600 |
| Limit ÷ median home value | 3.73× |
| Median household income | $79,527 |
| Median home value ÷ income | 2.8× |
| Population | 57,177 |
| Median property tax paid (owners) | $1,311 |
| Effective property tax rate (approx.) | 0.59% |
| Owner-occupied homes | 81.8% |
| Home value rank in West Virginia | 5 of 55 counties |
| Neighbor: Cabell County, WV | limit $832,750; median home $164,400 |
| Neighbor: Jackson County, WV | limit $832,750; median home $157,200 |
| Neighbor: Kanawha County, WV | limit $832,750; median home $147,300 |
| Neighbor: Lincoln County, WV | limit $832,750; median home $105,300 |
| Neighbor: Mason County, WV | limit $832,750; median home $120,300 |
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. Putnam County's median home value is 37% above the state median of $162,600 (rank 5 of 55). Among its 5 neighboring counties, Cabell County has the highest median home value ($164,400) and Lincoln County the lowest ($105,300); all share the same loan limit. Owners pay a median $1,311 a year in property tax, an effective rate of about 0.59% 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: Putnam County, NY
- 2026 conforming loan limit: Putnam County, OH
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Last updated 2026-10-16. Data only, not financial or tax advice.