West Virginia Mortgage Guide 2026
Compare 2026 FHA and conforming loan limits across all 55 counties in West Virginia. FHA limits in this state range from $541,287 to $811,931, while conforming limits range from $832,750 to $1,249,125.
2026 Loan Limits by County in West Virginia
| # | County | FHA Limit (1-Unit) | Conforming Limit (1-Unit) | Median Home Value |
|---|---|---|---|---|
| 1 | Barbour County | $541,287 | $832,750 | $131,900 |
| 2 | Berkeley County | $541,287 | $832,750 | $266,300 |
| 3 | Boone County | $541,287 | $832,750 | $93,100 |
| 4 | Braxton County | $541,287 | $832,750 | $117,900 |
| 5 | Brooke County | $541,287 | $832,750 | $141,500 |
| 6 | Cabell County | $541,287 | $832,750 | $164,400 |
| 7 | Calhoun County | $541,287 | $832,750 | $100,500 |
| 8 | Clay County | $541,287 | $832,750 | $109,100 |
| 9 | Doddridge County | $541,287 | $832,750 | $160,800 |
| 10 | Fayette County | $541,287 | $832,750 | $105,800 |
| 11 | Gilmer County | $541,287 | $832,750 | $83,800 |
| 12 | Grant County | $541,287 | $832,750 | $175,100 |
| 13 | Greenbrier County | $541,287 | $832,750 | $149,000 |
| 14 | Hampshire County | $541,287 | $832,750 | $219,200 |
| 15 | Hancock County | $541,287 | $832,750 | $130,800 |
| 16 | Hardy County | $541,287 | $832,750 | $166,300 |
| 17 | Harrison County | $541,287 | $832,750 | $166,200 |
| 18 | Jackson County | $541,287 | $832,750 | $157,200 |
| 19 | Jefferson County | $811,931 | $1,249,125 | $350,800 |
| 20 | Kanawha County | $541,287 | $832,750 | $147,300 |
| 21 | Lewis County | $541,287 | $832,750 | $151,800 |
| 22 | Lincoln County | $541,287 | $832,750 | $105,300 |
| 23 | Logan County | $541,287 | $832,750 | $103,400 |
| 24 | Marion County | $541,287 | $832,750 | $166,700 |
| 25 | Marshall County | $541,287 | $832,750 | $149,800 |
| 26 | Mason County | $541,287 | $832,750 | $120,300 |
| 27 | McDowell County | $541,287 | $832,750 | $50,000 |
| 28 | Mercer County | $541,287 | $832,750 | $121,700 |
| 29 | Mineral County | $541,287 | $832,750 | $180,400 |
| 30 | Mingo County | $541,287 | $832,750 | $90,500 |
| 31 | Monongalia County | $541,287 | $832,750 | $267,700 |
| 32 | Monroe County | $541,287 | $832,750 | $156,300 |
| 33 | Morgan County | $541,287 | $832,750 | $240,600 |
| 34 | Nicholas County | $541,287 | $832,750 | $121,600 |
| 35 | Ohio County | $541,287 | $832,750 | $166,000 |
| 36 | Pendleton County | $541,287 | $832,750 | $183,800 |
| 37 | Pleasants County | $541,287 | $832,750 | $151,000 |
| 38 | Pocahontas County | $541,287 | $832,750 | $152,400 |
| 39 | Preston County | $541,287 | $832,750 | $162,800 |
| 40 | Putnam County | $541,287 | $832,750 | $223,300 |
| 41 | Raleigh County | $541,287 | $832,750 | $150,900 |
| 42 | Randolph County | $541,287 | $832,750 | $144,800 |
| 43 | Ritchie County | $541,287 | $832,750 | $115,900 |
| 44 | Roane County | $541,287 | $832,750 | $122,100 |
| 45 | Summers County | $541,287 | $832,750 | $140,100 |
| 46 | Taylor County | $541,287 | $832,750 | $148,800 |
| 47 | Tucker County | $541,287 | $832,750 | $154,800 |
| 48 | Tyler County | $541,287 | $832,750 | $121,300 |
| 49 | Upshur County | $541,287 | $832,750 | $170,800 |
| 50 | Wayne County | $541,287 | $832,750 | $127,100 |
| 51 | Webster County | $541,287 | $832,750 | $76,100 |
| 52 | Wetzel County | $541,287 | $832,750 | $107,900 |
| 53 | Wirt County | $541,287 | $832,750 | $115,800 |
| 54 | Wood County | $541,287 | $832,750 | $158,500 |
| 55 | Wyoming County | $541,287 | $832,750 | $82,900 |
About West Virginia's Mortgage Market
West Virginia has 55 counties, each with its own FHA and conforming loan limits for 2026. FHA limits in West Virginia range from $541,287 to $811,931 for a single-family home. Conforming limits range from $832,750 to $1,249,125.
Use our mortgage calculator to compute monthly payments using West Virginia-specific loan limits. Or explore a specific county above for detailed FHA vs conventional comparisons.
Frequently Asked Questions
What is the maximum FHA loan limit in West Virginia?
The highest 2026 FHA limit in West Virginia is $811,931 for a single-family home.
What is the maximum conforming loan limit in West Virginia?
The highest 2026 conforming loan limit in West Virginia is $1,249,125 for a single-family home. Loans above this threshold are considered "jumbo" and require stricter qualifications.
How many counties are in West Virginia?
West Virginia has 55 counties, each with its own loan limits published annually by FHFA and HUD.
Data Source: FHFA Conforming Loan Limits 2026, HUD FHA Forward Mortgage Limits 2026, U.S. Census Bureau ACS 5-Year Estimates. Public domain. This page is for informational purposes and does not constitute financial advice.