Lincoln County, West Virginia home prices
Typical home $98,800 · -11.6% in a year · property tax 0.51%
The typical home in Lincoln County is worth $98,800, 44% less than the West Virginia typical home ($176,576). Values changed -11.6% in the past year and -6.0% over five years. Homeowners here pay a median 0.51% of their home's value in property tax each year ($505 on the typical home), versus 0.51% statewide.
Mortgage on the typical Lincoln County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $19,760 | $79,040 | $532 | $0 | $91 | $623 | $26,700 |
| 10% down | $9,880 | $88,920 | $598 | $37 | $91 | $727 | $31,100 |
| 5% down | $4,940 | $93,860 | $631 | $39 | $91 | $762 | $32,700 |
| 3.5% down (FHA) | $3,458 | $97,010 | $653 | $44 | $91 | $788 | $33,800 |
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.
What it takes: see what you can afford by salary in West Virginia · part of the Charleston metro area.
West Virginia counties with similar prices
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Boone County | $95,509 | +3.2% | 0.67% |
| Calhoun County | $105,494 | +13.1% | 0.42% |
| Wirt County | $107,854 | -4.9% | 0.52% |
| Logan County | $107,969 | +2.9% | 0.56% |
| Wetzel County | $112,058 | +1.7% | 0.67% |
| Webster County | $84,311 | -1.1% | 0.4% |
| Tyler County | $113,494 | +0.3% | 0.57% |
| Ritchie County | $116,307 | -3.9% | 0.66% |
| Gilmer County | $118,423 | +6.6% | 0.49% |
| Clay County | $120,944 | -0.4% | 0.35% |
Frequently asked questions
What is the average home price in Lincoln County, WV?
The typical home value in Lincoln County is $98,800 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Lincoln County?
About $26,700 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Lincoln County?
The median effective rate is 0.51% of home value a year (Census ACS 2024 5-year estimates).