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How are our long-range forecasts panning out? See the Mid-year review of our 2025 Mortgage and Housing Market Outlook.

How are our long-range forecasts panning out? See the Mid-year review of our 2025 Mortgage and Housing Market Outlook.

Current FHA Mortgage Rates in WV- West Virginia FHA Mortgage

West Virginia Mortgages

2025 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 2025 FHA loan limits for each county in West Virginia are below.

Select County
County Name One Family Two Family Three Family Four Family
Barbour One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Berkeley One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Boone One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Braxton One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Brooke One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Cabell One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Calhoun One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Clay One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Doddridge One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Fayette One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Gilmer One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Grant One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Greenbrier One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Hampshire One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Hancock One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Hardy One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Harrison One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Jackson One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Jefferson One Family$1,209,750 Two Family$1,548,975 Three Family$1,872,225 Four Family$2,326,875
Kanawha One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Lewis One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Lincoln One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Logan One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Marion One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Marshall One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Mason One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Mcdowell One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Mercer One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Mineral One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Mingo One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Monongalia One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Monroe One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Morgan One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Nicholas One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Ohio One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Pendleton One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Pleasants One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Pocahontas One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Preston One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Putnam One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Raleigh One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Randolph One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Ritchie One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Roane One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Summers One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Taylor One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Tucker One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Tyler One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Upshur One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Wayne One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Webster One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Wetzel One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Wirt One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Wood One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Wyoming One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300

Mortgage Rates by State

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