FHA Loan Limits in Berkeley County, West Virginia (2026)
Buying in Berkeley County or elsewhere in Berkeley County? The 2026 FHA single-family limit across the county is $541,287. That matches the national FHA floor used across most of Appalachia.
| 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 |
From Berkeley County to the edges of Berkeley County, the figures above govern FHA borrowing; buyers here frequently compare them with nearby Kanawha and Monongalia Counties.
FHA affordability around Berkeley County
With Berkeley County's median sale price estimated near $171,000 (think Berkeley County), the FHA down payment is roughly $5,985. Factoring West Virginia property taxes near 0.58%, expect about $1,309 monthly, pointing to income near $51,000 — under West Virginia's $55,217 median household income.
FHA payment scenarios in Berkeley County
FHA payments across Berkeley County price points — from entry homes near Berkeley County to the county's FHA limit (3.5% down, 6.25% sample rate):
| Purchase Price | Down (3.5%) | Est. Monthly Payment |
|---|---|---|
| Entry-level — $123,000 | $4,305 | $974 |
| Local median — $171,000 | $5,985 | $1,309 |
| At the FHA limit — $541,287 | $18,945 | $3,890 |
Estimates include FHA MIP plus West Virginia property taxes and insurance. Rates move daily near Berkeley County too — get notified.
First-time buyers make up much of FHA activity in Berkeley County and across Berkeley County, drawn by the 3.5% down payment, 580 minimum score, and the option to use gift funds toward the $5,985 needed on a median Berkeley County home.
Multi-unit FHA limits in Berkeley County
Berkeley County's 2026 multi-unit FHA limits reach $692,997 (duplex), $837,720 (triplex), and $1,041,072 (fourplex) — so a buyer in Berkeley County can live in one unit and rent the rest to offset the mortgage.
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Frequently Asked Questions
- What is the FHA loan limit in Berkeley County for 2026?
- In Berkeley County (Berkeley 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 Berkeley County with FHA?
- For a median-priced ($171,000) Berkeley County home, plan on income around $51,000 at a 31% housing ratio — about $1,309/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Berkeley County?
- 3.5% with a 580+ score — roughly $5,985 on a $171,000 Berkeley County-area home. Gift funds are allowed.
- Is Berkeley County a high-cost FHA area?
- No — Berkeley County uses the $541,287 national floor for one unit.