What are the loan limits in each West Virginia county?
| County | Conforming (1 unit) | FHA (1 unit) | FHA (2 units) | Median home value |
|---|---|---|---|---|
| Barbour County | $832,750 | $541,287 | $693,050 | $126,000 |
| Berkeley County | $832,750 | $541,287 | $693,050 | $248,000 |
| Boone County | $832,750 | $541,287 | $693,050 | $90,300 |
| Braxton County | $832,750 | $541,287 | $693,050 | $106,400 |
| Brooke County | $832,750 | $541,287 | $693,050 | $127,700 |
| Cabell County | $832,750 | $541,287 | $693,050 | $156,100 |
| Calhoun County | $832,750 | $541,287 | $693,050 | $111,200 |
| Clay County | $832,750 | $541,287 | $693,050 | $107,100 |
| Doddridge County | $832,750 | $541,287 | $693,050 | $160,000 |
| Fayette County | $832,750 | $541,287 | $693,050 | $104,200 |
| Gilmer County | $832,750 | $541,287 | $693,050 | $83,300 |
| Grant County | $832,750 | $541,287 | $693,050 | $167,500 |
| Greenbrier County | $832,750 | $541,287 | $693,050 | $136,300 |
| Hampshire County | $832,750 | $541,287 | $693,050 | $204,600 |
| Hancock County | $832,750 | $541,287 | $693,050 | $119,600 |
| Hardy County | $832,750 | $541,287 | $693,050 | $159,700 |
| Harrison County | $832,750 | $541,287 | $693,050 | $158,500 |
| Jackson County | $832,750 | $541,287 | $693,050 | $154,600 |
| Jefferson County | $1,249,125 | $1,249,125 | $1,599,375 | $324,500 |
| Kanawha County | $832,750 | $541,287 | $693,050 | $135,000 |
| Lewis County | $832,750 | $541,287 | $693,050 | $135,800 |
| Lincoln County | $832,750 | $541,287 | $693,050 | $103,400 |
| Logan County | $832,750 | $541,287 | $693,050 | $101,500 |
| Marion County | $832,750 | $541,287 | $693,050 | $164,300 |
| Marshall County | $832,750 | $541,287 | $693,050 | $139,800 |
| Mason County | $832,750 | $541,287 | $693,050 | $127,400 |
| McDowell County | $832,750 | $541,287 | $693,050 | $49,200 |
| Mercer County | $832,750 | $541,287 | $693,050 | $118,600 |
| Mineral County | $832,750 | $541,287 | $693,050 | $180,400 |
| Mingo County | $832,750 | $541,287 | $693,050 | $85,600 |
| Monongalia County | $832,750 | $541,287 | $693,050 | $254,200 |
| Monroe County | $832,750 | $541,287 | $693,050 | $146,100 |
| Morgan County | $832,750 | $541,287 | $693,050 | $223,100 |
| Nicholas County | $832,750 | $541,287 | $693,050 | $114,200 |
| Ohio County | $832,750 | $541,287 | $693,050 | $165,300 |
| Pendleton County | $832,750 | $541,287 | $693,050 | $178,600 |
| Pleasants County | $832,750 | $541,287 | $693,050 | $129,300 |
| Pocahontas County | $832,750 | $541,287 | $693,050 | $139,400 |
| Preston County | $832,750 | $541,287 | $693,050 | $157,700 |
| Putnam County | $832,750 | $541,287 | $693,050 | $214,200 |
| Raleigh County | $832,750 | $541,287 | $693,050 | $142,600 |
| Randolph County | $832,750 | $541,287 | $693,050 | $137,800 |
| Ritchie County | $832,750 | $541,287 | $693,050 | $107,800 |
| Roane County | $832,750 | $541,287 | $693,050 | $121,100 |
| Summers County | $832,750 | $541,287 | $693,050 | $126,100 |
| Taylor County | $832,750 | $541,287 | $693,050 | $144,000 |
| Tucker County | $832,750 | $541,287 | $693,050 | $144,700 |
| Tyler County | $832,750 | $541,287 | $693,050 | $112,100 |
| Upshur County | $832,750 | $541,287 | $693,050 | $160,700 |
| Wayne County | $832,750 | $541,287 | $693,050 | $124,900 |
| Webster County | $832,750 | $541,287 | $693,050 | $78,000 |
| Wetzel County | $832,750 | $541,287 | $693,050 | $102,800 |
| Wirt County | $832,750 | $541,287 | $693,050 | $112,800 |
| Wood County | $832,750 | $541,287 | $693,050 | $153,700 |
| Wyoming County | $832,750 | $541,287 | $693,050 | $78,400 |
Which West Virginia counties are high-cost areas?
Jefferson County has conforming limits above the $832,750 baseline because local home values are higher.
Largest cities in West Virginia
Frequently asked questions
FHA one-unit limits in West Virginia start at $541,287. In Kanawha County, the most populous county, it's $541,287.
The 2026 one-unit conforming limit in Kanawha County is $832,750.
With 3.5% down, the $541,287 FHA floor supports a price of about $560,000. Higher-limit counties allow more.
Sources
- FHFA — 2026 Conforming Loan Limit Values
- HUD — 2026 FHA Forward Mortgage Limits (county file)
- U.S. Census Bureau — ACS 2019–2023 5-Year Estimates
Data last updated October 23, 2026.
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