Loan Limits / West Virginia / Jefferson County
2026 Loan Limits · West Virginia · WASHINGTON-ARLINGTON-ALEXANDRIA, DC-VA-MD-WV
Jefferson County, WV.
2026 conforming and FHA loan limits, calibrated to a median sales price of $1,198,000. This county is designated high-cost — conforming limits exceed the national baseline.
Median Sales Price
$1,198,000
Per HUD CHUMS, 2026
Conforming 1u Limit
$1,249,125
High-cost
FHA 1u Limit
$1,249,125
Ceiling
Jumbo Threshold
> $1,249,125
1-unit · loans above this are jumbo
Conforming (Fannie / Freddie)
High-cost| 1-unit (single-family) | $1,249,125 |
| 2-unit (duplex) | $1,599,375 |
| 3-unit (triplex) | $1,933,200 |
| 4-unit (fourplex) | $2,402,625 |
FHA Forward (203b)
Ceiling| 1-unit (single-family) | $1,249,125 |
| 2-unit (duplex) | $1,599,375 |
| 3-unit (triplex) | $1,933,200 |
| 4-unit (fourplex) | $2,402,625 |
About this county
About Jefferson County
Jefferson County is the easternmost county in the U.S. state of West Virginia. It is located in the Shenandoah Valley in the eastern panhandle of West Virginia. As of the 2020 census, the population was 57,701. Its county seat is Charles Town. The county was founded in 1801, and today is part of the Washington metropolitan area. Read more on Wikipedia →
Population
58,546
U.S. Census ACS 2023
Median Household Income
$95,523
U.S. Census ACS 2023
Median Home Value (Census)
$324,500
Owner-occupied · ACS 2023
Owner-Occupancy Rate
79%
Of occupied housing
What these limits mean for buyers in Jefferson County
The 2026 conforming 1-unit limit for Jefferson County is $1,249,125. Loans at or below this amount can be sold by the originating lender to Fannie Mae or Freddie Mac, which keeps pricing tight and underwriting consistent. Because Jefferson County is designated a high-cost area, the limit exceeds the national baseline of $832,750.
For FHA financing, the 2026 1-unit limit is $1,249,125. The HUD CHUMS table pegs the median sales price for Jefferson County at $1,198,000. Jefferson County is in HUD's FHA high-cost tier — its limit sits between the national floor of $541,287 and the ceiling of $1,249,125, calculated as 115% of the area median.
Practical takeaway. The median sales price in Jefferson County ($1,198,000) is below both limits — FHA, conventional, and VA financing all cover median-priced purchases here. Choice between programs comes down to credit, down payment, and overlay differences.
How the limits are set
Conforming limits come from the Federal Housing Finance Agency (FHFA), which adjusts them each year based on changes in the FHFA Housing Price Index. FHA limits come from HUD: the national floor is $541,287 (65% of conforming baseline), the ceiling is $1,249,125 (150% of conforming baseline), and counties between are calculated as 115% of the area median sales price.
Multi-unit and house-hacking math
Jefferson County 2-, 3-, and 4-unit conforming limits are $1,599,375, $1,933,200, and $2,402,625 respectively. If you're house-hacking — owner-occupying one unit of a 2-4 unit property — these are the limits that matter, and the rental income on the other units can be used to qualify. FHA and VA both finance owner-occupied 2-4 unit properties at their own multi-unit limits.
Limits effective 2026 per HUD CHUMS publication. Sourced GSE and FHA files. Generated 2026-04-26.
Buying in Jefferson County?
We'll structure the loan against the right limit and the right program. Conforming, FHA, VA, jumbo — all in-house.