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 24800 24800 24800 24800 32750 32750 32750 32750
Apply Now LOW INCOME 39700 39700 39700 39700 52400 52400 52400 52400
MOD.INC-GUAR.LOAN 78200 78200 78200 78200 103200 103200 103200 103200
Raleigh County, WV HUD Metro FMR Area
VERY LOW INCOME 27050 27050 27050 27050 35700 35700 35700 35700
Apply Now LOW INCOME 43300 43300 43300 43300 57150 57150 57150 57150
MOD.INC-GUAR.LOAN 78200 78200 78200 78200 103200 103200 103200 103200
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 78200 78200 78200 78200 103200 103200 103200 103200
Charleston, WV HUD Metro FMR Area
VERY LOW INCOME 29550 29550 29550 29550 39000 39000 39000 39000
Apply Now LOW INCOME 47300 47300 47300 47300 62450 62450 62450 62450
MOD.INC-GUAR.LOAN 78200 78200 78200 78200 103200 103200 103200 103200
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 96150 96150 96150 96150 126900 126900 126900 126900
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 27400 27400 27400 27400 36150 36150 36150 36150
Apply Now LOW INCOME 43850 43850 43850 43850 57900 57900 57900 57900
MOD.INC-GUAR.LOAN 78200 78200 78200 78200 103200 103200 103200 103200
Lincoln County, WV HUD Metro FMR Area
VERY LOW INCOME 29550 29550 29550 29550 39000 39000 39000 39000
Apply Now LOW INCOME 47300 47300 47300 47300 62450 62450 62450 62450
MOD.INC-GUAR.LOAN 78200 78200 78200 78200 103200 103200 103200 103200
Putnam County, WV HUD Metro FMR Area
VERY LOW INCOME 33150 33150 33150 33150 43750 43750 43750 43750
Apply Now LOW INCOME 53050 53050 53050 53050 70050 70050 70050 70050
MOD.INC-GUAR.LOAN 78200 78200 78200 78200 103200 103200 103200 103200
Morgantown, WV MSA
VERY LOW INCOME 32300 32300 32300 32300 42650 42650 42650 42650
Apply Now LOW INCOME 51700 51700 51700 51700 68250 68250 68250 68250
MOD.INC-GUAR.LOAN 78200 78200 78200 78200 103200 103200 103200 103200
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 78200 78200 78200 78200 103200 103200 103200 103200
Jefferson County, WV HUD Metro FMR Area
VERY LOW INCOME 41000 41000 41000 41000 54100 54100 54100 54100
Apply Now LOW INCOME 65600 65600 65600 65600 86600 86600 86600 86600
MOD.INC-GUAR.LOAN 94300 94300 94300 94300 124500 124500 124500 124500
Weirton-Steubenville, WV-OH MSA
VERY LOW INCOME 28800 28800 28800 28800 38000 38000 38000 38000
Apply Now LOW INCOME 46100 46100 46100 46100 60850 60850 60850 60850
MOD.INC-GUAR.LOAN 78200 78200 78200 78200 103200 103200 103200 103200
Wheeling, WV-OH MSA
VERY LOW INCOME 28350 28350 28350 28350 37400 37400 37400 37400
Apply Now LOW INCOME 45350 45350 45350 45350 59850 59850 59850 59850
MOD.INC-GUAR.LOAN 78200 78200 78200 78200 103200 103200 103200 103200
Winchester, VA-WV MSA
VERY LOW INCOME 36900 36900 36900 36900 48700 48700 48700 48700
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 24800 24800 24800 24800 32750 32750 32750 32750
Apply Now LOW INCOME 39700 39700 39700 39700 52400 52400 52400 52400
MOD.INC-GUAR.LOAN 78200 78200 78200 78200 103200 103200 103200 103200
Braxton County, WV
VERY LOW INCOME 24800 24800 24800 24800 32750 32750 32750 32750
Apply Now LOW INCOME 39700 39700 39700 39700 52400 52400 52400 52400
MOD.INC-GUAR.LOAN 78200 78200 78200 78200 103200 103200 103200 103200
Calhoun County, WV
VERY LOW INCOME 24800 24800 24800 24800 32750 32750 32750 32750
Apply Now LOW INCOME 39700 39700 39700 39700 52400 52400 52400 52400
MOD.INC-GUAR.LOAN 78200 78200 78200 78200 103200 103200 103200 103200
Doddridge County, WV
VERY LOW INCOME 24800 24800 24800 24800 32750 32750 32750 32750
Apply Now LOW INCOME 39700 39700 39700 39700 52400 52400 52400 52400
MOD.INC-GUAR.LOAN 78200 78200 78200 78200 103200 103200 103200 103200
Gilmer County, WV
VERY LOW INCOME 25850 25850 25850 25850 34100 34100 34100 34100
Apply Now LOW INCOME 41350 41350 41350 41350 54600 54600 54600 54600
MOD.INC-GUAR.LOAN 78200 78200 78200 78200 103200 103200 103200 103200
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 78200 78200 78200 78200 103200 103200 103200 103200
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 78200 78200 78200 78200 103200 103200 103200 103200
Hardy County, WV
VERY LOW INCOME 24800 24800 24800 24800 32750 32750 32750 32750
Apply Now LOW INCOME 39700 39700 39700 39700 52400 52400 52400 52400
MOD.INC-GUAR.LOAN 78200 78200 78200 78200 103200 103200 103200 103200
Harrison County, WV
VERY LOW INCOME 28200 28200 28200 28200 37200 37200 37200 37200
Apply Now LOW INCOME 45100 45100 45100 45100 59550 59550 59550 59550
MOD.INC-GUAR.LOAN 78200 78200 78200 78200 103200 103200 103200 103200
Jackson 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 78200 78200 78200 78200 103200 103200 103200 103200
Lewis County, WV
VERY LOW INCOME 24800 24800 24800 24800 32750 32750 32750 32750
Apply Now LOW INCOME 39700 39700 39700 39700 52400 52400 52400 52400
MOD.INC-GUAR.LOAN 78200 78200 78200 78200 103200 103200 103200 103200
Logan County, WV
VERY LOW INCOME 24800 24800 24800 24800 32750 32750 32750 32750
Apply Now LOW INCOME 39700 39700 39700 39700 52400 52400 52400 52400
MOD.INC-GUAR.LOAN 78200 78200 78200 78200 103200 103200 103200 103200
Marion County, WV
VERY LOW INCOME 28350 28350 28350 28350 37400 37400 37400 37400
Apply Now LOW INCOME 45350 45350 45350 45350 59850 59850 59850 59850
MOD.INC-GUAR.LOAN 78200 78200 78200 78200 103200 103200 103200 103200
Mason County, WV
VERY LOW INCOME 24800 24800 24800 24800 32750 32750 32750 32750
Apply Now LOW INCOME 39700 39700 39700 39700 52400 52400 52400 52400
MOD.INC-GUAR.LOAN 78200 78200 78200 78200 103200 103200 103200 103200
McDowell County, WV
VERY LOW INCOME 24800 24800 24800 24800 32750 32750 32750 32750
Apply Now LOW INCOME 39700 39700 39700 39700 52400 52400 52400 52400
MOD.INC-GUAR.LOAN 78200 78200 78200 78200 103200 103200 103200 103200
Mercer County, WV
VERY LOW INCOME 24800 24800 24800 24800 32750 32750 32750 32750
Apply Now LOW INCOME 39700 39700 39700 39700 52400 52400 52400 52400
MOD.INC-GUAR.LOAN 78200 78200 78200 78200 103200 103200 103200 103200
Mingo County, WV
VERY LOW INCOME 24800 24800 24800 24800 32750 32750 32750 32750
Apply Now LOW INCOME 39700 39700 39700 39700 52400 52400 52400 52400
MOD.INC-GUAR.LOAN 78200 78200 78200 78200 103200 103200 103200 103200
Monroe County, WV
VERY LOW INCOME 24800 24800 24800 24800 32750 32750 32750 32750
Apply Now LOW INCOME 39700 39700 39700 39700 52400 52400 52400 52400
MOD.INC-GUAR.LOAN 78200 78200 78200 78200 103200 103200 103200 103200
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 25150 25150 25150 25150 33200 33200 33200 33200
Apply Now LOW INCOME 40250 40250 40250 40250 53150 53150 53150 53150
MOD.INC-GUAR.LOAN 78200 78200 78200 78200 103200 103200 103200 103200
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 78200 78200 78200 78200 103200 103200 103200 103200
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 78200 78200 78200 78200 103200 103200 103200 103200
Pocahontas County, WV
VERY LOW INCOME 24800 24800 24800 24800 32750 32750 32750 32750
Apply Now LOW INCOME 39700 39700 39700 39700 52400 52400 52400 52400
MOD.INC-GUAR.LOAN 78200 78200 78200 78200 103200 103200 103200 103200
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 78200 78200 78200 78200 103200 103200 103200 103200
Ritchie County, WV
VERY LOW INCOME 25500 25500 25500 25500 33650 33650 33650 33650
Apply Now LOW INCOME 40800 40800 40800 40800 53850 53850 53850 53850
MOD.INC-GUAR.LOAN 78200 78200 78200 78200 103200 103200 103200 103200
Roane County, WV
VERY LOW INCOME 24800 24800 24800 24800 32750 32750 32750 32750
Apply Now LOW INCOME 39700 39700 39700 39700 52400 52400 52400 52400
MOD.INC-GUAR.LOAN 78200 78200 78200 78200 103200 103200 103200 103200
Summers County, WV
VERY LOW INCOME 24800 24800 24800 24800 32750 32750 32750 32750
Apply Now LOW INCOME 39700 39700 39700 39700 52400 52400 52400 52400
MOD.INC-GUAR.LOAN 78200 78200 78200 78200 103200 103200 103200 103200
Taylor 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 78200 78200 78200 78200 103200 103200 103200 103200
Tucker County, WV
VERY LOW INCOME 26450 26450 26450 26450 34900 34900 34900 34900
Apply Now LOW INCOME 42300 42300 42300 42300 55850 55850 55850 55850
MOD.INC-GUAR.LOAN 78200 78200 78200 78200 103200 103200 103200 103200
Tyler County, WV
VERY LOW INCOME 25850 25850 25850 25850 34100 34100 34100 34100
Apply Now LOW INCOME 41350 41350 41350 41350 54600 54600 54600 54600
MOD.INC-GUAR.LOAN 78200 78200 78200 78200 103200 103200 103200 103200
Upshur County, WV
VERY LOW INCOME 25550 25550 25550 25550 33750 33750 33750 33750
Apply Now LOW INCOME 40900 40900 40900 40900 54000 54000 54000 54000
MOD.INC-GUAR.LOAN 78200 78200 78200 78200 103200 103200 103200 103200
Webster County, WV
VERY LOW INCOME 24800 24800 24800 24800 32750 32750 32750 32750
Apply Now LOW INCOME 39700 39700 39700 39700 52400 52400 52400 52400
MOD.INC-GUAR.LOAN 78200 78200 78200 78200 103200 103200 103200 103200
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 78200 78200 78200 78200 103200 103200 103200 103200
Wyoming County, WV
VERY LOW INCOME 24900 24900 24900 24900 32850 32850 32850 32850
Apply Now LOW INCOME 39850 39850 39850 39850 52600 52600 52600 52600
MOD.INC-GUAR.LOAN 78200 78200 78200 78200 103200 103200 103200 103200

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!