Monongalia County, West Virginia home prices
Typical home $263,546 · +3.1% in a year · property tax 0.47%
The typical home in Monongalia County is worth $263,546, 49% more than the West Virginia typical home ($176,576). Values changed +3.1% in the past year and +15.0% over five years. Homeowners here pay a median 0.47% of their home's value in property tax each year ($1,229 on the typical home), versus 0.51% statewide.
Mortgage on the typical Monongalia County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $52,709 | $210,836 | $1,418 | $0 | $234 | $1,652 | $70,800 |
| 10% down | $26,355 | $237,191 | $1,596 | $99 | $234 | $1,929 | $82,700 |
| 5% down | $13,177 | $250,368 | $1,684 | $104 | $234 | $2,023 | $86,700 |
| 3.5% down (FHA) | $9,224 | $258,772 | $1,741 | $117 | $234 | $2,091 | $89,600 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.47% 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 Morgantown metro area.
West Virginia counties with similar prices
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Hampshire County | $256,369 | +3.4% | 0.38% |
| Putnam County | $252,059 | +4.8% | 0.59% |
| Morgan County | $303,645 | +4.4% | 0.47% |
| Hardy County | $220,059 | +2.6% | 0.35% |
| Pendleton County | $213,619 | +7.2% | 0.34% |
| Greenbrier County | $206,887 | +4.1% | 0.44% |
| Berkeley County | $321,823 | +3.6% | 0.52% |
| Tucker County | $201,897 | -0.2% | 0.37% |
| Jackson County | $199,114 | +4.1% | 0.53% |
| Mineral County | $196,367 | +1.8% | 0.45% |
Frequently asked questions
What is the average home price in Monongalia County, WV?
The typical home value in Monongalia County is $263,546 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Monongalia County?
About $70,800 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Monongalia County?
The median effective rate is 0.47% of home value a year (Census ACS 2024 5-year estimates).