FHA Loan Limits in Wise County, Virginia (2026)
From Wise County, FHA buyers in Wise County can finance a one-unit home up to $541,287 with 3.5% down in 2026. That matches the national FHA floor used across most of the Mid-Atlantic.
| Property Type | 2026 FHA Loan Limit |
|---|---|
| One-unit (single family) | $541,287 |
| Two-unit (duplex) | $692,997 |
| Three-unit (triplex) | $837,720 |
| Four-unit (fourplex) | $1,041,072 |
Every community in Wise County — Wise County — shares the same 2026 FHA limits shown above, which differ from those in adjacent Fairfax and Loudoun Counties.
What can you buy with FHA in Wise County?
An FHA buyer near Wise County faces an estimated $410,000 median, a $14,350 down payment, and — after Virginia's 0.82% property tax — a monthly cost around $3,057. That suits household income of roughly $118,000, above Virginia's $87,249 median household income, so budget carefully.
FHA payment scenarios in Wise County
Here is what an FHA payment looks like at three Wise County budgets, all with 3.5% down at a 6.25% example rate:
| Purchase Price | Down (3.5%) | Est. Monthly Payment |
|---|---|---|
| Entry-level — $295,000 | $10,325 | $2,232 |
| Local median — $410,000 | $14,350 | $3,057 |
| At the FHA limit — $541,287 | $18,945 | $3,998 |
Estimates include FHA MIP plus Virginia property taxes and insurance. Rates move daily near Wise County too — get notified.
Buyers across Wise County pair FHA with local down-payment assistance to keep upfront cash low — often turning the $14,350 down payment near Wise County into little out of pocket.
Multi-unit FHA limits in Wise County
Looking at a duplex or fourplex near Wise County? FHA allows up to $692,997 on two units and $1,041,072 on four in Wise County, with the same low 3.5% down for owner-occupants.
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Frequently Asked Questions
- What is the FHA loan limit in Wise County for 2026?
- In Wise County (Wise County), the 2026 FHA limit is $541,287 for one unit, $692,997 for a duplex, $837,720 for a triplex, and $1,041,072 for a fourplex.
- What income do I need to buy in Wise County with FHA?
- For a median-priced ($410,000) Wise County home, plan on income around $118,000 at a 31% housing ratio — about $3,057/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Wise County?
- 3.5% with a 580+ score — roughly $14,350 on a $410,000 Wise County-area home. Gift funds are allowed.
- Is Wise County a high-cost FHA area?
- No — Wise County uses the $541,287 national floor for one unit.