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Thinking about buying a home this spring? Check out the latest update to the income needed to buy a median-priced home in the top 50 metro areas.

Thinking about buying a home this spring? Check out the latest update to the income needed to buy a median-priced home in the top 50 metro areas.

Current FHA Mortgage Rates in WV- West Virginia FHA Mortgage

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Note: Your loan amount is greater than the value of the property, a condition known as being "underwater".
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West Virginia Mortgages

2024 FHA Loan Limits for West Virginia

FHA Loans are government insured mortgages from the Federal Housing Administration and are an attractive option for homebuyers with small down payments or who have less-than-stellar credit. An FHA-backed loan can also be attractive to homeowners who want to refinance.

FHA mortgages are backed by a self-insuring pool to limit risks for the lenders who make these low downpayment loans. Homebuyers or homeowners looking to refinance can borrow with as little as a 3.5% downpayment or equity stake.

Learn more about FHA loans or calculate FHA loan costs and compare FHA loans against conventional low-downpayment mortgage programs.

FHA loan limits are different than those for conventional mortgages, as they use a formula based on median home prices; as such, FHA loan limits are reset each year, and vary from county to county in each state. The 2024 FHA loan limits for each county in West Virginia are below.

County Name One Family Two Family Three Family Four Family
Barbour One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Berkeley One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Boone One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Braxton One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Brooke One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Cabell One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Calhoun One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Clay One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Doddridge One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Fayette One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Gilmer One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Grant One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Greenbrier One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Hampshire One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Hancock One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Hardy One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Harrison One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Jackson One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Jefferson One Family$1,149,825 Two Family$1,472,250 Three Family$1,779,525 Four Family$2,211,600
Kanawha One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Lewis One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Lincoln One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Logan One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Marion One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Marshall One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Mason One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Mcdowell One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Mercer One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Mineral One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Mingo One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Monongalia One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Monroe One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Morgan One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Nicholas One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Ohio One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Pendleton One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Pleasants One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Pocahontas One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Preston One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Putnam One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Raleigh One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Randolph One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Ritchie One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Roane One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Summers One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Taylor One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Tucker One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Tyler One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Upshur One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Wayne One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Webster One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Wetzel One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Wirt One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Wood One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Wyoming One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
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