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Updated: December 2, 2024

2025 Mortgage Loan Limits: Jefferson County, West Virginia

Property Type2025 Loan Limit
1-Unit Homes$1,209,750
2-Unit Homes$1,548,975
3-Unit Homes$1,872,225
4-Unit Homes$2,326,875

Source: Federal Housing Finance Agency; Federal Housing Administration

Jefferson County, West Virginia, mortgage loan limits apply in:

Jefferson County 2025 mortgage loan limits include the following cities: Bolivar, Charles Town, Harpers Ferry, Middleway, Ranson, Shannondale, Shenandoah Junction, Shepherdstown

Historical Charts: Mortgage Loan Limits in Jefferson County, West Virginia

Mortgage loan limits adjust annually to match changes in U.S. home values. As home values go up or down in Jefferson County, so do the local loan limits. Changes in mortgage loan limits promote affordable homeownership, fair lending, and a balanced housing market.

Mortgage Statistics from Jefferson County, West Virginia

Mortgage statistics for Jefferson County, sourced from the Home Mortgage Disclosure Act (HMDA) database, maintained by the Federal Financial Institutions Examination Council (FFIEC). The HMDA database contains detailed, anonymous loan data and provides insight into home buyer traits, mortgage borrowing patterns, and mortgage approval rates. Percentages may not total 100% due to rounding.

MortgagesTotal
Purchase Mortgages (2018-2023)5656
Loan TypeRelative Share
Conventional57.09%
FHA15.89%
VA17.64%
USDA9.37%
Property TypeRelative Share
1-Unit Homes99.31%
2-Unit Homes0.50%
3-Unit Homes0.05%
4-Unit Homes0.14%
Borrower StatusRelative Share
One Applicant59.32%
Two or More Applicants40.68%
GenderRelative Share
Male38.68%
Female19.40%
Joint Sex34.65%
Not Available7.27%
RaceRelative Share
American Indian / Alaska Native0.46%
Asian2.95%
Black / African American4.12%
Native Hawaiian / Other Pacific Islander0.11%
White74.33%
Mixed Race2.51%
Other Race15.52%
EthnicityRelative Share
Hispanic or Latino7.04%
Not Hispanic or Latino75.51%
Joint Ethnicity2.44%
Other Ethnicity15.01%

Jefferson County data represents closed-end, first-lien purchase mortgages for 1-4 unit residential properties since 2018. Source: FFIEC Home Mortgage Disclosure Act

Mortgage Loan Limits Near Jefferson County, West Virginia

Get 2025 conforming and FHA mortgage loan limits for the areas surrounding Jefferson County, West Virginia. Local loan limits and county-level mortgage data updated regularly.

View Nearby Counties:

Washington County

View Loan Limits →

Frederick County

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Loudoun County

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Berkeley County

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