FHA Loan Limits in Harrison County, West Virginia (2026)
Harrison County and the rest of Harrison 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 Harrison County to the edges of Harrison 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 Harrison County?
An FHA buyer near Harrison County faces an estimated $172,000 median, a $6,020 down payment, and — after West Virginia's 0.58% property tax — a monthly cost around $1,316. That suits household income of roughly $51,000, under West Virginia's $55,217 median household income.
FHA payment scenarios in Harrison County
Whether you are buying in Harrison County or a smaller Harrison 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 — $124,000 | $4,340 | $981 |
| Local median — $172,000 | $6,020 | $1,316 |
| 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 Harrison County too — get notified.
First-time buyers make up much of FHA activity in Harrison County and across Harrison County, drawn by the 3.5% down payment, 580 minimum score, and the option to use gift funds toward the $6,020 needed on a median Harrison County home.
Multi-unit FHA limits in Harrison County
Investors and house-hackers in Harrison County and across Harrison 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 Harrison County for 2026?
- In Harrison County (Harrison 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 Harrison County with FHA?
- For a median-priced ($172,000) Harrison County home, plan on income around $51,000 at a 31% housing ratio — about $1,316/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Harrison County?
- 3.5% with a 580+ score — roughly $6,020 on a $172,000 Harrison County-area home. Gift funds are allowed.
- Is Harrison County a high-cost FHA area?
- No — Harrison County uses the $541,287 national floor for one unit.