FHA Loan Limits in Mineral County, West Virginia (2026)
Mineral County and the rest of Mineral 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 |
Every community in Mineral County — Mineral County — shares the same 2026 FHA limits shown above, which differ from those in adjacent Kanawha and Berkeley Counties.
How much home can you afford in Mineral County?
An FHA buyer near Mineral County faces an estimated $169,000 median, a $5,915 down payment, and — after West Virginia's 0.58% property tax — a monthly cost around $1,295. That suits household income of roughly $50,000, under West Virginia's $55,217 median household income.
FHA payment scenarios in Mineral County
FHA payments across Mineral County price points — from entry homes near Mineral County to the county's FHA limit (3.5% down, 6.25% sample rate):
| Purchase Price | Down (3.5%) | Est. Monthly Payment |
|---|---|---|
| Entry-level — $122,000 | $4,270 | $967 |
| Local median — $169,000 | $5,915 | $1,295 |
| 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 Mineral County too — get notified.
Buyers across Mineral County pair FHA with local down-payment assistance to keep upfront cash low — often turning the $5,915 down payment near Mineral County into little out of pocket.
Multi-unit FHA limits in Mineral County
Mineral County's 2026 multi-unit FHA limits reach $692,997 (duplex), $837,720 (triplex), and $1,041,072 (fourplex) — so a buyer in Mineral County can live in one unit and rent the rest to offset the mortgage.
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Frequently Asked Questions
- What is the FHA loan limit in Mineral County for 2026?
- In Mineral County (Mineral 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 Mineral County with FHA?
- For a median-priced ($169,000) Mineral County home, plan on income around $50,000 at a 31% housing ratio — about $1,295/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Mineral County?
- 3.5% with a 580+ score — roughly $5,915 on a $169,000 Mineral County-area home. Gift funds are allowed.
- Is Mineral County a high-cost FHA area?
- No — Mineral County uses the $541,287 national floor for one unit.