FHA Loan Limits in Raleigh County, West Virginia (2026)
Raleigh County and the rest of Raleigh 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 Raleigh County — Raleigh 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 Raleigh County?
An FHA buyer near Raleigh County faces an estimated $156,000 median, a $5,460 down payment, and — after West Virginia's 0.58% property tax — a monthly cost around $1,204. That suits household income of roughly $47,000, under West Virginia's $55,217 median household income.
FHA payment scenarios in Raleigh County
FHA payments across Raleigh County price points — from entry homes near Raleigh County to the county's FHA limit (3.5% down, 6.25% sample rate):
| Purchase Price | Down (3.5%) | Est. Monthly Payment |
|---|---|---|
| Entry-level — $112,000 | $3,920 | $897 |
| Local median — $156,000 | $5,460 | $1,204 |
| 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 Raleigh County too — get notified.
Buyers across Raleigh County pair FHA with local down-payment assistance to keep upfront cash low — often turning the $5,460 down payment near Raleigh County into little out of pocket.
Multi-unit FHA limits in Raleigh County
Raleigh County's 2026 multi-unit FHA limits reach $692,997 (duplex), $837,720 (triplex), and $1,041,072 (fourplex) — so a buyer in Raleigh 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 Raleigh County for 2026?
- In Raleigh County (Raleigh 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 Raleigh County with FHA?
- For a median-priced ($156,000) Raleigh County home, plan on income around $47,000 at a 31% housing ratio — about $1,204/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Raleigh County?
- 3.5% with a 580+ score — roughly $5,460 on a $156,000 Raleigh County-area home. Gift funds are allowed.
- Is Raleigh County a high-cost FHA area?
- No — Raleigh County uses the $541,287 national floor for one unit.