How much house can I afford on $180,000 in West Virginia?
About $666,000 with 20% down ($527,000 with an FHA loan), using West Virginia's 0.51% property tax rate.
That is $489,145 more than the typical West Virginia home ($176,576), so a $180,000 salary can buy a typical home here. The payment of $4,200 covers $3,583 principal and interest, $284 property tax and $333 insurance.
Counties in West Virginia you can afford on $180,000
55 of 55 counties have a typical home value at or below $666,000. The 25 priciest of them:
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Jefferson County | $399,235 | +4.1% | 0.53% |
| Berkeley County | $321,823 | +3.6% | 0.52% |
| Morgan County | $303,645 | +4.4% | 0.47% |
| Monongalia County | $263,546 | +3.1% | 0.47% |
| Hampshire County | $256,369 | +3.4% | 0.38% |
| Putnam County | $252,059 | +4.8% | 0.59% |
| Hardy County | $220,059 | +2.6% | 0.35% |
| Pendleton County | $213,619 | +7.2% | 0.34% |
| Greenbrier County | $206,887 | +4.1% | 0.44% |
| Tucker County | $201,897 | -0.2% | 0.37% |
| Jackson County | $199,114 | +4.1% | 0.53% |
| Mineral County | $196,367 | +1.8% | 0.45% |
| Monroe County | $191,179 | +4.6% | 0.46% |
| Taylor County | $185,274 | +1.7% | 0.54% |
| Pocahontas County | $184,813 | +4.5% | 0.3% |
| Grant County | $181,867 | +2.3% | 0.31% |
| Wood County | $173,101 | +1.1% | 0.59% |
| Cabell County | $170,976 | +2.5% | 0.6% |
| Pleasants County | $167,455 | +4.0% | 0.54% |
| Marion County | $167,401 | +2.3% | 0.59% |
| Mason County | $164,918 | +7.2% | 0.59% |
| Randolph County | $161,840 | +1.2% | 0.39% |
| Nicholas County | $159,335 | +3.5% | 0.46% |
| Ohio County | $159,042 | +4.6% | 0.6% |
| Raleigh County | $157,221 | +1.2% | 0.5% |
Affordable metro areas
Assumes a 30-year fixed loan at 7.11%, property tax of 0.51% of the home value a year, homeowners insurance of 0.6% a year, PMI of 0.5% of the loan a year when the down payment is under 20%, and FHA mortgage insurance of 0.55% a year plus a 1.75% upfront premium added to the loan. Your rate, taxes and insurance will differ.
Other salaries in West Virginia
Frequently asked questions
How much house can I afford on $180,000 in West Virginia?
About $666,000 with 20% down at 7.11%, keeping the payment (with West Virginia's 0.51% property tax and insurance) under $4,200 a month.
Is $180,000 enough to buy a house in West Virginia?
Yes: the typical West Virginia home is worth $176,576 (Zillow, September 2026) and $180,000 supports about $666,000. 55 of 55 counties are within budget.