Shopping for a new home is one of the most important financial investments you may ever make. So don’t overlook the advantages of the USDA Rural Development Loan Program.

Backed by the United States Deparment of Agriculture (USDA), these fixed interest rate loans are helping many West Virginia residents afford the home of their dreams.  The advantages of the Rural Development Loan Program include:

  • Fixed Interest Rates
  • No Maximum Loan Amount
  • Flexible Credit Guidelines for West Virginia Residents
  • No PMI and No Money Down

West Virginia Areas that Qualify for Rural Development Loans

The Mountain State is full of some of the most majestic landscapes and charming communities found anywhere in the U.S. From the Blue Ridge Mountains to the Shenandoah River, you’ll find many homes that qualify for a Rural Development loans.

To be eligible for a Rural Development Loan in West Virginia, the property has to:

  • Be located outside of the city limits
  • Have a population of less that 20,000 people
Cities may not qualify, but areas just outside of those cities may be eligible. This means that you should never disregard a property based on the fact that it lies in close proximity to Wheeling or Charleston. For more USDA Loan Eligibility information, fill out the application on this page, or call one of our certified USDA Loans Agent at 1-866-854-4242.

West Virginia USDA Loan Income Limits by County

When determining USDA Eligibility, there are a couple of restrictions placed on income and credit history. In addition to illustrating a willingness and ability to repay your home loan, your annual salary cannot exceed the income limits for set areas. These include:

Quick Scroll
STATE:WEST VIRGINIA PROGRAM 1 Person 2 Person 3 Person 4 Person 5 Person 6 Person 7 Person 8 Person
Fayette County, WV HUD Metro FMR Area
VERY LOW INCOME 26100 26100 26100 26100 34500 34500 34500 34500
Apply Now LOW INCOME 41750 41750 41750 41750 55100 55100 55100 55100
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Raleigh County, WV HUD Metro FMR Area
VERY LOW INCOME 27050 27050 27050 27050 35750 35750 35750 35750
Apply Now LOW INCOME 43300 43300 43300 43300 57150 57150 57150 57150
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Boone County, WV HUD Metro FMR Area
VERY LOW INCOME 27900 27900 27900 27900 36850 36850 36850 36850
Apply Now LOW INCOME 44650 44650 44650 44650 58950 58950 58950 58950
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Charleston, WV HUD Metro FMR Area
VERY LOW INCOME 29550 29550 29550 29550 39050 39050 39050 39050
Apply Now LOW INCOME 47300 47300 47300 47300 62450 62450 62450 62450
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Cumberland, MD-WV MSA
VERY LOW INCOME 38100 38100 38100 38100 50300 50300 50300 50300
Apply Now LOW INCOME 60950 60950 60950 60950 80450 80450 80450 80450
MOD.INC-GUAR.LOAN 96450 96450 96450 96450 127300 127300 127300 127300
Martinsburg, WV HUD Metro FMR Area
VERY LOW INCOME 38100 38100 38100 38100 50300 50300 50300 50300
Apply Now LOW INCOME 60950 60950 60950 60950 80450 80450 80450 80450
MOD.INC-GUAR.LOAN 96150 96150 96150 96150 126900 126900 126900 126900
Huntington-Ashland, WV-KY-OH HUD Metro FMR Area
VERY LOW INCOME 27450 27450 27450 27450 36250 36250 36250 36250
Apply Now LOW INCOME 43900 43900 43900 43900 57950 57950 57950 57950
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Lincoln County, WV HUD Metro FMR Area
VERY LOW INCOME 29550 29550 29550 29550 39050 39050 39050 39050
Apply Now LOW INCOME 47300 47300 47300 47300 62450 62450 62450 62450
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Putnam County, WV HUD Metro FMR Area
VERY LOW INCOME 35500 35500 35500 35500 46900 46900 46900 46900
Apply Now LOW INCOME 56800 56800 56800 56800 75000 75000 75000 75000
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Morgantown, WV MSA
VERY LOW INCOME 35700 35700 35700 35700 47150 47150 47150 47150
Apply Now LOW INCOME 57100 57100 57100 57100 75350 75350 75350 75350
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Parkersburg-Vienna, WV MSA
VERY LOW INCOME 27900 27900 27900 27900 36850 36850 36850 36850
Apply Now LOW INCOME 44650 44650 44650 44650 58950 58950 58950 58950
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Jefferson County, WV HUD Metro FMR Area
VERY LOW INCOME 42050 42050 42050 42050 55550 55550 55550 55550
Apply Now LOW INCOME 67300 67300 67300 67300 88850 88850 88850 88850
MOD.INC-GUAR.LOAN 96750 96750 96750 96750 127700 127700 127700 127700
Weirton-Steubenville, WV-OH MSA
VERY LOW INCOME 30750 30750 30750 30750 40600 40600 40600 40600
Apply Now LOW INCOME 49200 49200 49200 49200 64950 64950 64950 64950
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Wheeling, WV-OH MSA
VERY LOW INCOME 31250 31250 31250 31250 41250 41250 41250 41250
Apply Now LOW INCOME 50000 50000 50000 50000 66000 66000 66000 66000
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Winchester, VA-WV MSA
VERY LOW INCOME 36900 36900 36900 36900 48750 48750 48750 48750
Apply Now LOW INCOME 59050 59050 59050 59050 77950 77950 77950 77950
MOD.INC-GUAR.LOAN 84900 84900 84900 84900 112050 112050 112050 112050
Barbour County, WV
VERY LOW INCOME 26100 26100 26100 26100 34500 34500 34500 34500
Apply Now LOW INCOME 41750 41750 41750 41750 55100 55100 55100 55100
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Braxton County, WV
VERY LOW INCOME 26100 26100 26100 26100 34500 34500 34500 34500
Apply Now LOW INCOME 41750 41750 41750 41750 55100 55100 55100 55100
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Calhoun County, WV
VERY LOW INCOME 26100 26100 26100 26100 34500 34500 34500 34500
Apply Now LOW INCOME 41750 41750 41750 41750 55100 55100 55100 55100
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Doddridge County, WV
VERY LOW INCOME 27000 27000 27000 27000 35650 35650 35650 35650
Apply Now LOW INCOME 43200 43200 43200 43200 57000 57000 57000 57000
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Gilmer County, WV
VERY LOW INCOME 26700 26700 26700 26700 35250 35250 35250 35250
Apply Now LOW INCOME 42700 42700 42700 42700 56350 56350 56350 56350
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Grant County, WV
VERY LOW INCOME 26500 26500 26500 26500 35000 35000 35000 35000
Apply Now LOW INCOME 42400 42400 42400 42400 55950 55950 55950 55950
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Greenbrier County, WV
VERY LOW INCOME 26200 26200 26200 26200 34600 34600 34600 34600
Apply Now LOW INCOME 41900 41900 41900 41900 55300 55300 55300 55300
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Hardy County, WV
VERY LOW INCOME 26100 26100 26100 26100 34500 34500 34500 34500
Apply Now LOW INCOME 41750 41750 41750 41750 55100 55100 55100 55100
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Harrison County, WV
VERY LOW INCOME 31350 31350 31350 31350 41400 41400 41400 41400
Apply Now LOW INCOME 50150 50150 50150 50150 66200 66200 66200 66200
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Jackson County, WV
VERY LOW INCOME 29700 29700 29700 29700 39250 39250 39250 39250
Apply Now LOW INCOME 47500 47500 47500 47500 62700 62700 62700 62700
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Lewis County, WV
VERY LOW INCOME 26100 26100 26100 26100 34500 34500 34500 34500
Apply Now LOW INCOME 41750 41750 41750 41750 55100 55100 55100 55100
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Logan County, WV
VERY LOW INCOME 26100 26100 26100 26100 34500 34500 34500 34500
Apply Now LOW INCOME 41750 41750 41750 41750 55100 55100 55100 55100
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Marion County, WV
VERY LOW INCOME 28700 28700 28700 28700 37900 37900 37900 37900
Apply Now LOW INCOME 45900 45900 45900 45900 60600 60600 60600 60600
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Mason County, WV
VERY LOW INCOME 26100 26100 26100 26100 34500 34500 34500 34500
Apply Now LOW INCOME 41750 41750 41750 41750 55100 55100 55100 55100
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
McDowell County, WV
VERY LOW INCOME 26100 26100 26100 26100 34500 34500 34500 34500
Apply Now LOW INCOME 41750 41750 41750 41750 55100 55100 55100 55100
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Mercer County, WV
VERY LOW INCOME 26100 26100 26100 26100 34500 34500 34500 34500
Apply Now LOW INCOME 41750 41750 41750 41750 55100 55100 55100 55100
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Mingo County, WV
VERY LOW INCOME 26100 26100 26100 26100 34500 34500 34500 34500
Apply Now LOW INCOME 41750 41750 41750 41750 55100 55100 55100 55100
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Monroe County, WV
VERY LOW INCOME 26100 26100 26100 26100 34500 34500 34500 34500
Apply Now LOW INCOME 41750 41750 41750 41750 55100 55100 55100 55100
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Morgan County, WV
VERY LOW INCOME 38100 38100 38100 38100 50300 50300 50300 50300
Apply Now LOW INCOME 60950 60950 60950 60950 80450 80450 80450 80450
MOD.INC-GUAR.LOAN 96150 96150 96150 96150 126900 126900 126900 126900
Nicholas County, WV
VERY LOW INCOME 26100 26100 26100 26100 34500 34500 34500 34500
Apply Now LOW INCOME 41750 41750 41750 41750 55100 55100 55100 55100
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Pendleton County, WV
VERY LOW INCOME 26350 26350 26350 26350 34800 34800 34800 34800
Apply Now LOW INCOME 42150 42150 42150 42150 55650 55650 55650 55650
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Pleasants County, WV
VERY LOW INCOME 28900 28900 28900 28900 38150 38150 38150 38150
Apply Now LOW INCOME 46250 46250 46250 46250 61050 61050 61050 61050
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Pocahontas County, WV
VERY LOW INCOME 26950 26950 26950 26950 35600 35600 35600 35600
Apply Now LOW INCOME 43100 43100 43100 43100 56900 56900 56900 56900
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Randolph County, WV
VERY LOW INCOME 26250 26250 26250 26250 34650 34650 34650 34650
Apply Now LOW INCOME 42000 42000 42000 42000 55450 55450 55450 55450
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Ritchie County, WV
VERY LOW INCOME 26300 26300 26300 26300 34750 34750 34750 34750
Apply Now LOW INCOME 42100 42100 42100 42100 55550 55550 55550 55550
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Roane County, WV
VERY LOW INCOME 26100 26100 26100 26100 34500 34500 34500 34500
Apply Now LOW INCOME 41750 41750 41750 41750 55100 55100 55100 55100
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Summers County, WV
VERY LOW INCOME 26100 26100 26100 26100 34500 34500 34500 34500
Apply Now LOW INCOME 41750 41750 41750 41750 55100 55100 55100 55100
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Taylor County, WV
VERY LOW INCOME 26850 26850 26850 26850 35450 35450 35450 35450
Apply Now LOW INCOME 42950 42950 42950 42950 56700 56700 56700 56700
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Tucker County, WV
VERY LOW INCOME 27150 27150 27150 27150 35850 35850 35850 35850
Apply Now LOW INCOME 43450 43450 43450 43450 57350 57350 57350 57350
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Tyler County, WV
VERY LOW INCOME 27300 27300 27300 27300 36050 36050 36050 36050
Apply Now LOW INCOME 43700 43700 43700 43700 57700 57700 57700 57700
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Upshur County, WV
VERY LOW INCOME 26350 26350 26350 26350 34800 34800 34800 34800
Apply Now LOW INCOME 42150 42150 42150 42150 55650 55650 55650 55650
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Webster County, WV
VERY LOW INCOME 26100 26100 26100 26100 34500 34500 34500 34500
Apply Now LOW INCOME 41750 41750 41750 41750 55100 55100 55100 55100
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Wetzel County, WV
VERY LOW INCOME 27500 27500 27500 27500 36300 36300 36300 36300
Apply Now LOW INCOME 44000 44000 44000 44000 58100 58100 58100 58100
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Wyoming County, WV
VERY LOW INCOME 26100 26100 26100 26100 34500 34500 34500 34500
Apply Now LOW INCOME 41750 41750 41750 41750 55100 55100 55100 55100
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150

As a West Virginia resident, you do not have to navigate the sometimes confusing USDA Loan application process alone. The certified agents at Consumer Real Estate Finance Co. are here to help. Contact us today for assistance!