Berkeley County, West Virginia home prices
Typical home $321,823 · +3.6% in a year · property tax 0.52%
The typical home in Berkeley County is worth $321,823, 82% more than the West Virginia typical home ($176,576). Values changed +3.6% in the past year and +29.7% over five years. Homeowners here pay a median 0.52% of their home's value in property tax each year ($1,689 on the typical home), versus 0.51% statewide.
Mortgage on the typical Berkeley County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $64,365 | $257,458 | $1,732 | $0 | $302 | $2,034 | $87,200 |
| 10% down | $32,182 | $289,641 | $1,948 | $121 | $302 | $2,371 | $101,600 |
| 5% down | $16,091 | $305,732 | $2,057 | $127 | $302 | $2,486 | $106,500 |
| 3.5% down (FHA) | $11,264 | $315,994 | $2,126 | $142 | $302 | $2,570 | $110,100 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.52% 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.
What it takes: see what you can afford by salary in West Virginia · part of the Hagerstown metro area.
West Virginia counties with similar prices
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| 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% |
| Jefferson County | $399,235 | +4.1% | 0.53% |
| 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% |
Frequently asked questions
What is the average home price in Berkeley County, WV?
The typical home value in Berkeley County is $321,823 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Berkeley County?
About $87,200 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Berkeley County?
The median effective rate is 0.52% of home value a year (Census ACS 2024 5-year estimates).