FHA Loan Limits in Fayette County, West Virginia (2026)
Fayette County and the rest of Fayette County, West Virginia fall under a 2026 one-unit FHA limit of $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 Fayette County to the edges of Fayette County, the figures above govern FHA borrowing; buyers here frequently compare them with nearby Kanawha and Berkeley Counties.
How much home can you afford in Fayette County?
Homes around Fayette County carry an estimated local median near $167,000, so an FHA buyer in Fayette County puts down about $5,845 (3.5%). With West Virginia's 0.58% effective property-tax rate, the all-in payment runs near $1,281 a month — comfortable on household income around $50,000, under West Virginia's $55,217 median household income.
FHA payment scenarios in Fayette County
Here is what an FHA payment looks like at three Fayette County budgets, all with 3.5% down at a 6.25% example rate:
| Purchase Price | Down (3.5%) | Est. Monthly Payment |
|---|---|---|
| Entry-level — $120,000 | $4,200 | $953 |
| Local median — $167,000 | $5,845 | $1,281 |
| 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 Fayette County too — get notified.
First-time buyers make up much of FHA activity in Fayette County and across Fayette County, drawn by the 3.5% down payment, 580 minimum score, and the option to use gift funds toward the $5,845 needed on a median Fayette County home.
Multi-unit FHA limits in Fayette County
Looking at a duplex or fourplex near Fayette County? FHA allows up to $692,997 on two units and $1,041,072 on four in Fayette 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 Fayette County for 2026?
- In Fayette County (Fayette 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 Fayette County with FHA?
- For a median-priced ($167,000) Fayette County home, plan on income around $50,000 at a 31% housing ratio — about $1,281/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Fayette County?
- 3.5% with a 580+ score — roughly $5,845 on a $167,000 Fayette County-area home. Gift funds are allowed.
- Is Fayette County a high-cost FHA area?
- No — Fayette County uses the $541,287 national floor for one unit.