FHA Loan Limits in Monongalia County, West Virginia (2026)
Buying in Monongalia County or elsewhere in Monongalia 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 Monongalia County, from Monongalia County outward, and sit alongside the limits set for neighboring Kanawha and Berkeley Counties.
FHA affordability around Monongalia County
Homes around Monongalia County carry an estimated local median near $153,000, so an FHA buyer in Monongalia County puts down about $5,355 (3.5%). With West Virginia's 0.58% effective property-tax rate, the all-in payment runs near $1,183 a month — comfortable on household income around $46,000, under West Virginia's $55,217 median household income.
FHA payment scenarios in Monongalia County
Whether you are buying in Monongalia County or a smaller Monongalia 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 — $110,000 | $3,850 | $884 |
| Local median — $153,000 | $5,355 | $1,183 |
| 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 Monongalia County too — get notified.
In Monongalia County and the surrounding Monongalia County market, FHA's appeal is the math: $5,355 down on a $153,000 home, credit accepted from 580, and assistance programs that can cover closing costs.
Multi-unit FHA limits in Monongalia County
Investors and house-hackers in Monongalia County and across Monongalia 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 Monongalia County for 2026?
- In Monongalia County (Monongalia 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 Monongalia County with FHA?
- For a median-priced ($153,000) Monongalia County home, plan on income around $46,000 at a 31% housing ratio — about $1,183/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Monongalia County?
- 3.5% with a 580+ score — roughly $5,355 on a $153,000 Monongalia County-area home. Gift funds are allowed.
- Is Monongalia County a high-cost FHA area?
- No — Monongalia County uses the $541,287 national floor for one unit.