FHA Loan Limits in Logan County, West Virginia (2026)
In Logan County — anchored by Logan 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 |
Every community in Logan County — Logan County — shares the same 2026 FHA limits shown above, which differ from those in adjacent Kanawha and Berkeley Counties.
Affording a home in Logan County & Logan County
An FHA buyer near Logan County faces an estimated $161,000 median, a $5,635 down payment, and — after West Virginia's 0.58% property tax — a monthly cost around $1,239. That suits household income of roughly $48,000, under West Virginia's $55,217 median household income.
FHA payment scenarios in Logan County
Here is what an FHA payment looks like at three Logan County budgets, all with 3.5% down at a 6.25% example rate:
| Purchase Price | Down (3.5%) | Est. Monthly Payment |
|---|---|---|
| Entry-level — $116,000 | $4,060 | $925 |
| Local median — $161,000 | $5,635 | $1,239 |
| 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 Logan County too — get notified.
Buyers across Logan County pair FHA with local down-payment assistance to keep upfront cash low — often turning the $5,635 down payment near Logan County into little out of pocket.
Multi-unit FHA limits in Logan County
Looking at a duplex or fourplex near Logan County? FHA allows up to $692,997 on two units and $1,041,072 on four in Logan 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 Logan County for 2026?
- In Logan County (Logan 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 Logan County with FHA?
- For a median-priced ($161,000) Logan County home, plan on income around $48,000 at a 31% housing ratio — about $1,239/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Logan County?
- 3.5% with a 580+ score — roughly $5,635 on a $161,000 Logan County-area home. Gift funds are allowed.
- Is Logan County a high-cost FHA area?
- No — Logan County uses the $541,287 national floor for one unit.