FHA Loan Limits in Cabell County, West Virginia (2026)
In Cabell County — anchored by Cabell County — the 2026 FHA loan limit for a single-family home 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 Cabell County to the edges of Cabell County, the figures above govern FHA borrowing; buyers here frequently compare them with nearby Kanawha and Berkeley Counties.
Affording a home in Cabell County & Cabell County
Homes around Cabell County carry an estimated local median near $191,000, so an FHA buyer in Cabell County puts down about $6,685 (3.5%). With West Virginia's 0.58% effective property-tax rate, the all-in payment runs near $1,448 a month — comfortable on household income around $56,000, above West Virginia's $55,217 median household income, so budget carefully.
FHA payment scenarios in Cabell County
Whether you are buying in Cabell County or a smaller Cabell County community, here is how an FHA payment scales by price (3.5% down, 6.25% sample rate):
| Purchase Price | Down (3.5%) | Est. Monthly Payment |
|---|---|---|
| Entry-level — $138,000 | $4,830 | $1,079 |
| Local median — $191,000 | $6,685 | $1,448 |
| 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 Cabell County too — get notified.
First-time buyers make up much of FHA activity in Cabell County and across Cabell County, drawn by the 3.5% down payment, 580 minimum score, and the option to use gift funds toward the $6,685 needed on a median Cabell County home.
Multi-unit FHA limits in Cabell County
Investors and house-hackers in Cabell County and across Cabell County can finance 2-4 unit homes with FHA at just 3.5% down: $692,997 for a duplex, $837,720 for a triplex, and $1,041,072 for a fourplex.
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Frequently Asked Questions
- What is the FHA loan limit in Cabell County for 2026?
- In Cabell County (Cabell 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 Cabell County with FHA?
- For a median-priced ($191,000) Cabell County home, plan on income around $56,000 at a 31% housing ratio — about $1,448/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Cabell County?
- 3.5% with a 580+ score — roughly $6,685 on a $191,000 Cabell County-area home. Gift funds are allowed.
- Is Cabell County a high-cost FHA area?
- No — Cabell County uses the $541,287 national floor for one unit.