How much house can I afford on $50,000 in West Virginia?
About $185,000 with 20% down ($146,000 with an FHA loan), using West Virginia's 0.51% property tax rate.
That is $8,347 more than the typical West Virginia home ($176,576), so a $50,000 salary can buy a typical home here. The payment of $1,167 covers $995 principal and interest, $79 property tax and $92 insurance.
Counties in West Virginia you can afford on $50,000
41 of 55 counties have a typical home value at or below $185,000. The 25 priciest of them:
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| 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% |
| Summers County | $154,622 | +4.6% | 0.31% |
| Upshur County | $152,038 | +2.5% | 0.42% |
| Kanawha County | $151,294 | +1.4% | 0.65% |
| Harrison County | $149,834 | +1.0% | 0.55% |
| Preston County | $145,690 | +5.9% | 0.49% |
| Mercer County | $145,481 | +0.1% | 0.54% |
| Wayne County | $141,785 | +4.4% | 0.47% |
| Hancock County | $141,600 | +7.1% | 0.63% |
| Fayette County | $139,740 | +3.9% | 0.64% |
| Marshall County | $139,040 | +3.9% | 0.45% |
| Doddridge County | $136,177 | +12.7% | 0.5% |
| Braxton County | $136,031 | -1.4% | 0.45% |
| Lewis County | $128,840 | -2.7% | 0.46% |
| Brooke County | $128,596 | -0.8% | 0.53% |
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 $50,000 in West Virginia?
About $185,000 with 20% down at 7.11%, keeping the payment (with West Virginia's 0.51% property tax and insurance) under $1,167 a month.
Is $50,000 enough to buy a house in West Virginia?
Yes: the typical West Virginia home is worth $176,576 (Zillow, September 2026) and $50,000 supports about $185,000. 41 of 55 counties are within budget.