Morgan County, West Virginia home prices
Typical home $303,645 · +4.4% in a year · property tax 0.47%
The typical home in Morgan County is worth $303,645, 72% more than the West Virginia typical home ($176,576). Values changed +4.4% in the past year and +39.6% over five years. Homeowners here pay a median 0.47% of their home's value in property tax each year ($1,420 on the typical home), versus 0.51% statewide.
Mortgage on the typical Morgan County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $60,729 | $242,916 | $1,634 | $0 | $270 | $1,904 | $81,600 |
| 10% down | $30,364 | $273,280 | $1,838 | $114 | $270 | $2,222 | $95,200 |
| 5% down | $15,182 | $288,463 | $1,941 | $120 | $270 | $2,331 | $99,900 |
| 3.5% down (FHA) | $10,628 | $298,145 | $2,006 | $134 | $270 | $2,410 | $103,300 |
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 Hagerstown metro area.
West Virginia counties with similar prices
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Berkeley County | $321,823 | +3.6% | 0.52% |
| Monongalia County | $263,546 | +3.1% | 0.47% |
| Hampshire County | $256,369 | +3.4% | 0.38% |
| Putnam County | $252,059 | +4.8% | 0.59% |
| Hardy County | $220,059 | +2.6% | 0.35% |
| Pendleton County | $213,619 | +7.2% | 0.34% |
| Jefferson County | $399,235 | +4.1% | 0.53% |
| 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 Morgan County, WV?
The typical home value in Morgan County is $303,645 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Morgan County?
About $81,600 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Morgan County?
The median effective rate is 0.47% of home value a year (Census ACS 2024 5-year estimates).