04/15/2026
As of April 2026, the average rent for a one-bedroom apartment in Shepherdstown has climbed to $1,876/month with three-bedroom rentals averaging over $1,121/mo (often in shared student-heavy housing).
For the 2026 fiscal year, the USDA Guaranteed Loan income limits for Jefferson County, West Virginia, are $146,750 per year for a 1–4 person household and $193,750 for a 5+ person household.
USDA loan income limits in Berkeley County, WV, are $119,850 for a 1–4 member household and $158,250 for a 5–8 member household for moderate-income loans.
These limits are based on the adjusted median income for the area, treating the Eastern Panhandle as a high-cost area compared to the standard West Virginia limit.
With household income limits now up, this means many professionals who feel priced out actually qualify for 100% financing.