FHA Loan Limits in Kanawha County, West Virginia (2026)
Buying in Kanawha County or elsewhere in Kanawha 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 |
These 2026 limits apply throughout Kanawha County, from Kanawha County outward, and sit alongside the limits set for neighboring Berkeley and Monongalia Counties.
FHA affordability around Kanawha County
An FHA buyer near Kanawha County faces an estimated $145,000 median, a $5,075 down payment, and — after West Virginia's 0.58% property tax — a monthly cost around $1,128. That suits household income of roughly $44,000, under West Virginia's $55,217 median household income.
FHA payment scenarios in Kanawha County
Here is what an FHA payment looks like at three Kanawha County budgets, all with 3.5% down at a 6.25% example rate:
| Purchase Price | Down (3.5%) | Est. Monthly Payment |
|---|---|---|
| Entry-level — $104,000 | $3,640 | $842 |
| Local median — $145,000 | $5,075 | $1,128 |
| 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 Kanawha County too — get notified.
In Kanawha County and the surrounding Kanawha County market, FHA's appeal is the math: $5,075 down on a $145,000 home, credit accepted from 580, and assistance programs that can cover closing costs.
Multi-unit FHA limits in Kanawha County
Looking at a duplex or fourplex near Kanawha County? FHA allows up to $692,997 on two units and $1,041,072 on four in Kanawha County, with the same low 3.5% down for owner-occupants.
Get FHA Rate & Program Alerts
Rates move daily and FHA rules change often. We will tell you the moment something shifts.
Free to join. Msg & data rates may apply; reply STOP to opt out. See our Terms & Privacy Policy.
Frequently Asked Questions
- What is the FHA loan limit in Kanawha County for 2026?
- In Kanawha County (Kanawha 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 Kanawha County with FHA?
- For a median-priced ($145,000) Kanawha County home, plan on income around $44,000 at a 31% housing ratio — about $1,128/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Kanawha County?
- 3.5% with a 580+ score — roughly $5,075 on a $145,000 Kanawha County-area home. Gift funds are allowed.
- Is Kanawha County a high-cost FHA area?
- No — Kanawha County uses the $541,287 national floor for one unit.