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FHA loans in Teays Valley, WV

Quick answer

The 2026 FHA loan limit in Teays Valley, WV (Putnam County) is $541,287 for a single-family home, enough for a purchase price up to about $560,000 with 3.5% down. On the $271,900 median home value, that down payment is about $9,517 and the estimated payment is $2,149/month at 7.18%, which needs roughly $93,000 a year in income.

By Purchase Mortgage Loan Editorial Team Checked against official sources per our editorial standardsData last updated

Median household income: $106,798; value-to-income ratio 2.55. Teays Valley ranks 2 by home value and 11 by population among 16 places in our WV dataset.

What does an FHA loan cost on a typical Teays Valley home?

ItemTeays Valley
Median home value (Census ACS)$271,900
West Virginia median home value$155,600
Down payment (3.5%)$9,517
Loan incl. 1.75% upfront MIP$266,975
Estimated monthly payment (PITI + MI)$2,149
Income needed (28% / 36%)$93,000 / $72,000
Putnam County 2026 FHA limit (1 unit)$541,287
Max purchase price at the limit$560,000

Rate assumption: 7.18% (Freddie Mac PMMS 30-year fixed average, week of November 5, 2026). Change it in the payment calculator.

Payment includes West Virginia's 0.54% effective property tax rate (Census ACS), $1,179/yr homeowners insurance (NAIC state average) and 0.55% annual FHA MIP.

What is the 2026 FHA loan limit in Teays Valley?

Teays Valley is in Putnam County where HUD's 2026 one-unit FHA limit is $541,287. With the minimum 3.5% down, that caps the purchase price at about $560,000; above that you'd need a bigger down payment or a conventional loan (conforming limit $832,750).

The Teays Valley median home value of $271,900 is 75% above the West Virginia median, and within what the county limit supports.

Which down payment assistance programs can Teays Valley buyers use?

No applicable programs have been verified for this city yet. Check the state housing finance agency for current assistance.

FHA loans in nearby cities

St. AlbansCross LanesSouth CharlestonCharlestonHuntingtonParkersburg

FHA loan FAQs for Teays Valley

Teays Valley is in Putnam County, where HUD's 2026 FHA limit for a one-unit home is $541,287. With 3.5% down, that supports a purchase price up to about $560,000.

3.5% of $271,900 is about $9,517 with a 580+ credit score (10%, or $27,190, with a 500–579 score), plus closing costs.

At the $271,900 median value (above the West Virginia median of $155,600), the estimated payment of $2,149/month at 7.18% needs about $93,000 a year under the 28% housing guideline, or $72,000 if your total debts stay under 36%.

0 city-level, 0 county-level and 0 statewide programs are verified for this city (0 total). Check each official administrator's eligibility rules and available funds.

Sources

Data last updated October 23, 2026.

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Figures on this page are estimates for educational purposes only and are not a loan offer or commitment to lend. Rates, loan limits, fees and assistance programs change frequently and vary by lender, location and borrower profile. Confirm current terms with a licensed loan officer.