McDowell County, West Virginia home prices
Typical home $37,466 · -16.0% in a year · property tax 0.67%
The typical home in McDowell County is worth $37,466, 79% less than the West Virginia typical home ($176,576). Values changed -16.0% in the past year and -39.1% over five years. Homeowners here pay a median 0.67% of their home's value in property tax each year ($253 on the typical home), versus 0.51% statewide.
Mortgage on the typical McDowell County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $7,493 | $29,973 | $202 | $0 | $40 | $241 | $10,300 |
| 10% down | $3,747 | $33,719 | $227 | $14 | $40 | $281 | $12,000 |
| 5% down | $1,873 | $35,593 | $239 | $15 | $40 | $294 | $12,600 |
| 3.5% down (FHA) | $1,311 | $36,787 | $247 | $17 | $40 | $304 | $13,000 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.67% 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 |
|---|---|---|---|
| Wyoming County | $66,912 | +0.4% | 0.45% |
| Mingo County | $73,736 | -3.7% | 0.47% |
| Webster County | $84,311 | -1.1% | 0.4% |
| Boone County | $95,509 | +3.2% | 0.67% |
| Lincoln County | $98,800 | -11.6% | 0.51% |
| 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% |
| Tyler County | $113,494 | +0.3% | 0.57% |
Frequently asked questions
What is the average home price in McDowell County, WV?
The typical home value in McDowell County is $37,466 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in McDowell County?
About $10,300 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in McDowell County?
The median effective rate is 0.67% of home value a year (Census ACS 2024 5-year estimates).