Highest FHA limit in West Virginia
$1,249,125
In 2026, FHA one-unit limits in West Virginia range from $541,287 to $1,249,125 (Jefferson County). 54 of 55 counties use the national floor.
54 of 55counties at the $541,287 floor
All West Virginia counties
| County | 1 unit | 2 units | 4 units | Conforming |
|---|---|---|---|---|
| Jefferson County | $1,249,125 | $1,599,375 | $2,402,625 | $1,249,125 |
| Barbour County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Berkeley County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Boone County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Braxton County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Brooke County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Cabell County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Calhoun County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Clay County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Doddridge County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Fayette County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Gilmer County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Grant County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Greenbrier County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Hampshire County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Hancock County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Hardy County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Harrison County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Jackson County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Kanawha County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Lewis County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Lincoln County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Logan County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Marion County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Marshall County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Mason County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| McDowell County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Mercer County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Mineral County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Mingo County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Monongalia County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Monroe County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Morgan County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Nicholas County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Ohio County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Pendleton County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Pleasants County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Pocahontas County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Preston County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Putnam County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Raleigh County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Randolph County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Ritchie County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Roane County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Summers County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Taylor County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Tucker County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Tyler County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Upshur County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Wayne County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Webster County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Wetzel County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Wirt County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Wood County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Wyoming County | $541,287 | $693,050 | $1,041,125 | $832,750 |
Sources: HUD FHA forward mortgage limits CY2026 (CHUMS file, case numbers assigned on or after Jan 1, 2026); FHFA 2026 conforming loan limits; Freddie Mac PMMS 30-year average 7.40% (week of 2026-10-15) for payment examples, which cover principal and interest only, before FHA mortgage insurance, taxes and insurance. Not lending advice.
Frequently asked questions
What is the FHA loan limit in West Virginia for 2026?
In 2026, FHA one-unit limits in West Virginia range from $541,287 to $1,249,125 (Jefferson County). 54 of 55 counties use the national floor.
What is the FHA floor for 2026?
$541,287 for a one-unit home. The high-cost ceiling is $1,249,125.