FHA Loan Limits in Marshall County, West Virginia (2026)
Marshall County and the rest of Marshall 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 |
These 2026 limits apply throughout Marshall County, from Marshall County outward, and sit alongside the limits set for neighboring Kanawha and Berkeley Counties.
How much home can you afford in Marshall County?
With Marshall County's median sale price estimated near $191,000 (think Marshall County), the FHA down payment is roughly $6,685. Factoring West Virginia property taxes near 0.58%, expect about $1,448 monthly, pointing to income near $56,000 — above West Virginia's $55,217 median household income, so budget carefully.
FHA payment scenarios in Marshall County
FHA payments across Marshall County price points — from entry homes near Marshall County to the county's FHA limit (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 Marshall County too — get notified.
In Marshall County and the surrounding Marshall County market, FHA's appeal is the math: $6,685 down on a $191,000 home, credit accepted from 580, and assistance programs that can cover closing costs.
Multi-unit FHA limits in Marshall County
Marshall County's 2026 multi-unit FHA limits reach $692,997 (duplex), $837,720 (triplex), and $1,041,072 (fourplex) — so a buyer in Marshall County can live in one unit and rent the rest to offset the mortgage.
Never Miss an FHA Rate Change
Join the free FHA Notification Program — we watch rates, requirements, and new programs so you do not have to.
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 Marshall County for 2026?
- In Marshall County (Marshall 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 Marshall County with FHA?
- For a median-priced ($191,000) Marshall 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 Marshall County?
- 3.5% with a 580+ score — roughly $6,685 on a $191,000 Marshall County-area home. Gift funds are allowed.
- Is Marshall County a high-cost FHA area?
- No — Marshall County uses the $541,287 national floor for one unit.