FHA Loan Limits in Wood County, West Virginia (2026)
In Wood County — anchored by Wood County — the 2026 FHA loan limit for a single-family home 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 |
Every community in Wood County — Wood County — shares the same 2026 FHA limits shown above, which differ from those in adjacent Kanawha and Berkeley Counties.
Affording a home in Wood County & Wood County
An FHA buyer near Wood County faces an estimated $182,000 median, a $6,370 down payment, and — after West Virginia's 0.58% property tax — a monthly cost around $1,385. That suits household income of roughly $54,000, under West Virginia's $55,217 median household income.
FHA payment scenarios in Wood County
FHA payments across Wood County price points — from entry homes near Wood County to the county's FHA limit (3.5% down, 6.25% sample rate):
| Purchase Price | Down (3.5%) | Est. Monthly Payment |
|---|---|---|
| Entry-level — $131,000 | $4,585 | $1,030 |
| Local median — $182,000 | $6,370 | $1,385 |
| 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 Wood County too — get notified.
Buyers across Wood County pair FHA with local down-payment assistance to keep upfront cash low — often turning the $6,370 down payment near Wood County into little out of pocket.
Multi-unit FHA limits in Wood County
Wood County's 2026 multi-unit FHA limits reach $692,997 (duplex), $837,720 (triplex), and $1,041,072 (fourplex) — so a buyer in Wood 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 Wood County for 2026?
- In Wood County (Wood 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 Wood County with FHA?
- For a median-priced ($182,000) Wood County home, plan on income around $54,000 at a 31% housing ratio — about $1,385/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Wood County?
- 3.5% with a 580+ score — roughly $6,370 on a $182,000 Wood County-area home. Gift funds are allowed.
- Is Wood County a high-cost FHA area?
- No — Wood County uses the $541,287 national floor for one unit.