2026 conforming loan limits · West Virginia
West Virginia has 2 distinct one-unit conforming limits, from $832,750 to $1,249,125. 1 of 55 counties sit above the $832,750 baseline that applies here.
CY2026 Showing the 2026 FHFA dataset, effective 2026-01-01. Figures change only when FHFA publishes a new file.
West Virginia at a glance
| Metric | Value |
|---|---|
| Counties | 55 |
| Lowest one-unit conforming limit | $832,750 |
| Highest one-unit conforming limit | $1,249,125 |
| Distinct one-unit limits | 2 |
| Applicable baseline | $832,750 |
| Above the applicable baseline | 1 of 55 (1.8%) |
| At the applicable ceiling | 1 |
| Dataset year | CY2026 |
How West Virginia splits
| FHFA position | Counties | Share | Lowest | Highest |
|---|---|---|---|---|
| At the baseline | 54 | 98.2% | $832,750 | $832,750 |
| At the ceiling | 1 | 1.8% | $1,249,125 | $1,249,125 |
Highest limits in West Virginia: Jefferson County ($1,249,125), Barbour County ($832,750), Berkeley County ($832,750), Boone County ($832,750), Braxton County ($832,750).
Conforming and FHA limits by county
Two federal programs, two agencies, two different limits. The conforming figure is FHFA’s cap on what Fannie Mae and Freddie Mac may buy; the FHA figure is HUD’s cap on what FHA will insure. Neither governs the other.
| County | Metro | Conforming 1-unit (2026) | FHA 1-unit (2026) | Difference |
|---|---|---|---|---|
| Barbour County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Berkeley County | HAGERSTOWN-MARTINSBURG, MD-WV | $832,750 | $541,287 | $291,463 |
| Boone County | CHARLESTON, WV | $832,750 | $541,287 | $291,463 |
| Braxton County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Brooke County | WEIRTON-STEUBENVILLE, WV-OH | $832,750 | $541,287 | $291,463 |
| Cabell County | HUNTINGTON-ASHLAND, WV-KY-OH | $832,750 | $541,287 | $291,463 |
| Calhoun County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Clay County | CHARLESTON, WV | $832,750 | $541,287 | $291,463 |
| Doddridge County | CLARKSBURG, WV | $832,750 | $541,287 | $291,463 |
| Fayette County | BECKLEY, WV | $832,750 | $541,287 | $291,463 |
| Gilmer County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Grant County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Greenbrier County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Hampshire County | WINCHESTER, VA-WV | $832,750 | $541,287 | $291,463 |
| Hancock County | WEIRTON-STEUBENVILLE, WV-OH | $832,750 | $541,287 | $291,463 |
| Hardy County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Harrison County | CLARKSBURG, WV | $832,750 | $541,287 | $291,463 |
| Jackson County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Jefferson County | WASHINGTON-ARLINGTON-ALEXANDRIA, DC-VA-MD-WV | $1,249,125 | $1,249,125 | $0 |
| Kanawha County | CHARLESTON, WV | $832,750 | $541,287 | $291,463 |
| Lewis County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Lincoln County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Logan County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Mcdowell County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Marion County | FAIRMONT, WV | $832,750 | $541,287 | $291,463 |
| Marshall County | WHEELING, WV-OH | $832,750 | $541,287 | $291,463 |
| Mason County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Mercer County | BLUEFIELD, WV-VA | $832,750 | $541,287 | $291,463 |
| Mineral County | CUMBERLAND, MD-WV | $832,750 | $541,287 | $291,463 |
| Mingo County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Monongalia County | MORGANTOWN, WV | $832,750 | $541,287 | $291,463 |
| Monroe County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Morgan County | HAGERSTOWN-MARTINSBURG, MD-WV | $832,750 | $541,287 | $291,463 |
| Nicholas County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Ohio County | WHEELING, WV-OH | $832,750 | $541,287 | $291,463 |
| Pendleton County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Pleasants County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Pocahontas County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Preston County | MORGANTOWN, WV | $832,750 | $541,287 | $291,463 |
| Putnam County | HUNTINGTON-ASHLAND, WV-KY-OH | $832,750 | $541,287 | $291,463 |
| Raleigh County | BECKLEY, WV | $832,750 | $541,287 | $291,463 |
| Randolph County | ELKINS, WV | $832,750 | $541,287 | $291,463 |
| Ritchie County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Roane County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Summers County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Taylor County | CLARKSBURG, WV | $832,750 | $541,287 | $291,463 |
| Tucker County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Tyler County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Upshur County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Wayne County | HUNTINGTON-ASHLAND, WV-KY-OH | $832,750 | $541,287 | $291,463 |
| Webster County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Wetzel County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Wirt County | PARKERSBURG-VIENNA, WV | $832,750 | $541,287 | $291,463 |
| Wood County | PARKERSBURG-VIENNA, WV | $832,750 | $541,287 | $291,463 |
| Wyoming County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
Two-, three- and four-unit conforming limits
FHFA publishes a separate limit for each property size. These are its published figures, not multiples of the one-unit limit.
| County | 1 unit | 2 units | 3 units | 4 units |
|---|---|---|---|---|
| Barbour County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Berkeley County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Boone County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Braxton County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Brooke County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Cabell County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Calhoun County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Clay County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Doddridge County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Fayette County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Gilmer County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Grant County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Greenbrier County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Hampshire County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Hancock County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Hardy County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Harrison County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Jackson County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Jefferson County | $1,249,125 | $1,599,375 | $1,933,200 | $2,402,625 |
| Kanawha County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Lewis County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Lincoln County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Logan County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Mcdowell County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Marion County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Marshall County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Mason County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Mercer County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Mineral County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Mingo County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Monongalia County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Monroe County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Morgan County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Nicholas County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Ohio County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Pendleton County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Pleasants County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Pocahontas County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Preston County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Putnam County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Raleigh County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Randolph County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Ritchie County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Roane County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Summers County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Taylor County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Tucker County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Tyler County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Upshur County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Wayne County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Webster County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Wetzel County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Wirt County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Wood County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Wyoming County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
Government sources
Federal Housing Finance Agency (FHFA) — Conforming Loan Limits by County (HERA-based)
Fields used: FIPS State Code; FIPS County Code; County Name; State; CBSA Number; One-Unit Limit; Two-Unit Limit; Three-Unit Limit; Four-Unit Limit
U.S. Department of Housing and Urban Development (HUD) — FHA Single Family Forward Mortgage Limits
Fields used: cols 073-079: one-unit forward mortgage limit; cols 080-086: two-unit forward mortgage limit; cols 087-093: three-unit forward mortgage limit; cols 094-100: four-unit forward mortgage limit; cols 101-102: state postal code; cols 103-105: county FIPS code; cols 000-009: CBSA/metro code (9999900000 = non-metro)