Jefferson County, West Virginia loan limits 2026
FIPS 54037 · 10 ZIP codes, e.g. 25410, 25414, 25423, 25425, 25430, 25438 · metro area (CBSA) 47900
In Jefferson County the 2026 conforming loan limit is $1,249,125 for a single-family home — a high-cost area, 50% above the national baseline. The FHA limit is $1,249,125. Anything above $1,249,125 is a jumbo loan.
Does my loan fit?
How much home fits under the limit?
The highest home price you can buy with a loan that still fits the 2026 limit, at that down payment. Your actual budget depends on income, debts, rates and the lender.
Conforming limit in Jefferson County, 2024–2026
Single-family limit set by the FHFA each year. The 2027 limits are announced in late November 2026 — this page updates automatically.
Loan limits by number of units
| Property | Conforming 2026 | FHA 2026 | Conforming vs. 2025 |
|---|---|---|---|
| 1 unit (single-family) | $1,249,125 | $1,249,125 | +3.3% |
| 2 units | $1,599,375 | $1,599,375 | +3.3% |
| 3 units | $1,933,200 | $1,933,200 | +3.3% |
| 4 units | $2,402,625 | $2,402,625 | +3.3% |
Conforming limits (FHFA) apply to loans bought by Fannie Mae and Freddie Mac; VA loans with partial entitlement use the same county limit. FHA limits (HUD) cap FHA-insured mortgages. Jefferson County is in metro area CBSA 47900; all its counties share the same limit.
HUD income limits FY2026
Area median family income: $128,400 · Jefferson County, WV HUD Metro FMR Area
| Household size | 1 | 2 | 3 | 4 | 5 | 6 | 7 | 8 |
|---|---|---|---|---|---|---|---|---|
| Low income (80%) | $71,900 | $82,200 | $92,450 | $102,700 | $110,950 | $119,150 | $127,350 | $135,600 |
| Very low income (50%) | $44,950 | $51,400 | $57,800 | $64,200 | $69,350 | $74,500 | $79,650 | $84,750 |
| Extremely low income (30%) | $26,950 | $30,800 | $34,650 | $38,500 | $41,600 | $44,700 | $50,040 | $55,720 |
Used for housing assistance and many down-payment and first-time-buyer programs. Programs set their own rules; check the program you apply to.
Fair market rent FY2027
| Unit | Fair market rent FY2027 | FY2026 | Change |
|---|---|---|---|
| Studio | $1,045/mo | $947 | +10.3% |
| 1 bedroom | $1,052/mo | $953 | +10.4% |
| 2 bedrooms | $1,376/mo | $1,251 | +10% |
| 3 bedrooms | $1,879/mo | $1,740 | +8% |
| 4 bedrooms | $2,300/mo | $2,099 | +9.6% |
HUD's fair market rent: the 40th-percentile gross rent (rent plus utilities) for standard units, used for Housing Choice Vouchers. Area: Jefferson County, WV HUD Metro FMR Area.
Same metro area
Counties in CBSA 47900 share the same loan limits.
Other counties in West Virginia
Highest limits first.
Official figures, not a loan offer. Limits come from FHFA and HUD publications. Loanlimitmap.com is an independent site — not a government website and not a lender. Whether you qualify for a loan is decided by your lender; check the current figures with them.
Questions
What is the conforming loan limit in Jefferson County, WV for 2026?
$1,249,125 for a one-unit property ($1,599,375 for 2 units, $1,933,200 for 3, $2,402,625 for 4), set by the FHFA; it was $1,209,750 in 2025.
What is the FHA loan limit in Jefferson County?
$1,249,125 for a single-family home in 2026 (HUD), up to $2,402,625 for a four-unit property.
What counts as a jumbo loan in Jefferson County?
A mortgage above $1,249,125 for a single-family home is a jumbo (non-conforming) loan in Jefferson County in 2026.
What are the HUD income limits in Jefferson County?
For a family of four (FY2026): low income $102,700, very low income $64,200, extremely low income $38,500; area median family income $128,400.
What is the fair market rent in Jefferson County?
$1,376 a month for a two-bedroom unit in FY2027 (HUD), $1,052 for one bedroom.