FHA Loan Limits in Preston County, West Virginia (2026)
Buying in Preston County or elsewhere in Preston 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 Preston County, from Preston County outward, and sit alongside the limits set for neighboring Kanawha and Berkeley Counties.
FHA affordability around Preston County
With Preston County's median sale price estimated near $142,000 (think Preston County), the FHA down payment is roughly $4,970. Factoring West Virginia property taxes near 0.58%, expect about $1,107 monthly, pointing to income near $43,000 — under West Virginia's $55,217 median household income.
FHA payment scenarios in Preston County
Here is what an FHA payment looks like at three Preston County budgets, all with 3.5% down at a 6.25% example rate:
| Purchase Price | Down (3.5%) | Est. Monthly Payment |
|---|---|---|
| Entry-level — $102,000 | $3,570 | $828 |
| Local median — $142,000 | $4,970 | $1,107 |
| 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 Preston County too — get notified.
In Preston County and the surrounding Preston County market, FHA's appeal is the math: $4,970 down on a $142,000 home, credit accepted from 580, and assistance programs that can cover closing costs.
Multi-unit FHA limits in Preston County
Looking at a duplex or fourplex near Preston County? FHA allows up to $692,997 on two units and $1,041,072 on four in Preston 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 Preston County for 2026?
- In Preston County (Preston 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 Preston County with FHA?
- For a median-priced ($142,000) Preston County home, plan on income around $43,000 at a 31% housing ratio — about $1,107/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Preston County?
- 3.5% with a 580+ score — roughly $4,970 on a $142,000 Preston County-area home. Gift funds are allowed.
- Is Preston County a high-cost FHA area?
- No — Preston County uses the $541,287 national floor for one unit.