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2026 West Virginia loan limits by county
West Virginia has 55 counties in the 2026 FHFA list. The highest one-unit conforming limit is $1,249,125 in Jefferson County; the state median is $832,750. 1 of 55 are above the $832,750 national baseline. 54 sit at the 2026 FHA floor of $541,287.
- 55Counties listed
- $1,249,125Highest 1-unit conformingJefferson County
- $832,750Median 1-unit conforming
- 54At FHA floorof 55
| County | Conforming 1-unit 2026 | Change vs 2025 | FHA 1-unit 2026 | Conforming 4-unit 2026 |
|---|---|---|---|---|
| Barbour County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Berkeley County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Boone County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Braxton County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Brooke County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Cabell County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Calhoun County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Clay County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Doddridge County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Fayette County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Gilmer County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Grant County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Greenbrier County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Hampshire County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Hancock County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Hardy County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Harrison County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Jackson County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Jefferson County | $1,249,125 | +$39,375 (+3.3%) | $1,249,125 | $2,402,625 |
| Kanawha County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Lewis County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Lincoln County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Logan County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Marion County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Marshall County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Mason County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| McDowell County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Mercer County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Mineral County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Mingo County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Monongalia County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Monroe County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Morgan County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Nicholas County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Ohio County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Pendleton County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Pleasants County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Pocahontas County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Preston County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Putnam County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Raleigh County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Randolph County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Ritchie County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Roane County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Summers County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Taylor County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Tucker County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Tyler County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Upshur County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Wayne County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Webster County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Wetzel County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Wirt County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Wood County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Wyoming County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
Sources
- Federal Housing Finance Agency, 2026 Conforming Loan Limit Values, full county list (CSV), file dated November 24, 2025; announced November 25, 2025.
- FHFA 2025 county list (CSV), file dated September 15, 2025.
- U.S. Department of Housing and Urban Development, CY2026 FHA forward mortgage limits file, dated December 10, 2025; Mortgagee Letter 2025-23, December 11, 2025. Search tool: HUD FHA Mortgage Limits.
Figures are copied from the files above without modification. Program rules can change mid-year; confirm with your lender.