Hardy County, West Virginia home prices
Typical home $220,059 · +2.6% in a year · property tax 0.35%
The typical home in Hardy County is worth $220,059, 25% more than the West Virginia typical home ($176,576). Values changed +2.6% in the past year and +28.0% over five years. Homeowners here pay a median 0.35% of their home's value in property tax each year ($761 on the typical home), versus 0.51% statewide.
Mortgage on the typical Hardy County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $44,012 | $176,047 | $1,184 | $0 | $173 | $1,358 | $58,200 |
| 10% down | $22,006 | $198,053 | $1,332 | $83 | $173 | $1,588 | $68,100 |
| 5% down | $11,003 | $209,056 | $1,406 | $87 | $173 | $1,667 | $71,400 |
| 3.5% down (FHA) | $7,702 | $216,074 | $1,454 | $97 | $173 | $1,724 | $73,900 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.35% 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.
West Virginia counties with similar prices
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| 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% |
| Putnam County | $252,059 | +4.8% | 0.59% |
| Taylor County | $185,274 | +1.7% | 0.54% |
| Pocahontas County | $184,813 | +4.5% | 0.3% |
| Hampshire County | $256,369 | +3.4% | 0.38% |
Frequently asked questions
What is the average home price in Hardy County, WV?
The typical home value in Hardy County is $220,059 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Hardy County?
About $58,200 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Hardy County?
The median effective rate is 0.35% of home value a year (Census ACS 2024 5-year estimates).