FHA Loan Limits in Wayne County, West Virginia (2026)
Wayne County and the rest of Wayne 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 Wayne County — Wayne 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 Wayne County?
An FHA buyer near Wayne County faces an estimated $164,000 median, a $5,740 down payment, and — after West Virginia's 0.58% property tax — a monthly cost around $1,260. That suits household income of roughly $49,000, under West Virginia's $55,217 median household income.
FHA payment scenarios in Wayne County
FHA payments across Wayne County price points — from entry homes near Wayne County to the county's FHA limit (3.5% down, 6.25% sample rate):
| Purchase Price | Down (3.5%) | Est. Monthly Payment |
|---|---|---|
| Entry-level — $118,000 | $4,130 | $939 |
| Local median — $164,000 | $5,740 | $1,260 |
| 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 Wayne County too — get notified.
Buyers across Wayne County pair FHA with local down-payment assistance to keep upfront cash low — often turning the $5,740 down payment near Wayne County into little out of pocket.
Multi-unit FHA limits in Wayne County
Wayne County's 2026 multi-unit FHA limits reach $692,997 (duplex), $837,720 (triplex), and $1,041,072 (fourplex) — so a buyer in Wayne 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 Wayne County for 2026?
- In Wayne County (Wayne 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 Wayne County with FHA?
- For a median-priced ($164,000) Wayne County home, plan on income around $49,000 at a 31% housing ratio — about $1,260/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Wayne County?
- 3.5% with a 580+ score — roughly $5,740 on a $164,000 Wayne County-area home. Gift funds are allowed.
- Is Wayne County a high-cost FHA area?
- No — Wayne County uses the $541,287 national floor for one unit.