FHA Loan Limits in Putnam County, West Virginia (2026)
Buying in Putnam County or elsewhere in Putnam 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 |
From Putnam County to the edges of Putnam County, the figures above govern FHA borrowing; buyers here frequently compare them with nearby Kanawha and Berkeley Counties.
FHA affordability around Putnam County
With Putnam County's median sale price estimated near $147,000 (think Putnam County), the FHA down payment is roughly $5,145. Factoring West Virginia property taxes near 0.58%, expect about $1,141 monthly, pointing to income near $44,000 — under West Virginia's $55,217 median household income.
FHA payment scenarios in Putnam County
FHA payments across Putnam County price points — from entry homes near Putnam County to the county's FHA limit (3.5% down, 6.25% sample rate):
| Purchase Price | Down (3.5%) | Est. Monthly Payment |
|---|---|---|
| Entry-level — $106,000 | $3,710 | $856 |
| Local median — $147,000 | $5,145 | $1,141 |
| 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 Putnam County too — get notified.
First-time buyers make up much of FHA activity in Putnam County and across Putnam County, drawn by the 3.5% down payment, 580 minimum score, and the option to use gift funds toward the $5,145 needed on a median Putnam County home.
Multi-unit FHA limits in Putnam County
Putnam County's 2026 multi-unit FHA limits reach $692,997 (duplex), $837,720 (triplex), and $1,041,072 (fourplex) — so a buyer in Putnam 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 Putnam County for 2026?
- In Putnam County (Putnam 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 Putnam County with FHA?
- For a median-priced ($147,000) Putnam County home, plan on income around $44,000 at a 31% housing ratio — about $1,141/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Putnam County?
- 3.5% with a 580+ score — roughly $5,145 on a $147,000 Putnam County-area home. Gift funds are allowed.
- Is Putnam County a high-cost FHA area?
- No — Putnam County uses the $541,287 national floor for one unit.