Putnam County, West Virginia home prices
Typical home $252,059 · +4.8% in a year · property tax 0.59%
The typical home in Putnam County is worth $252,059, 43% more than the West Virginia typical home ($176,576). Values changed +4.8% in the past year and +27.4% over five years. Homeowners here pay a median 0.59% of their home's value in property tax each year ($1,480 on the typical home), versus 0.51% statewide.
Mortgage on the typical Putnam County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $50,412 | $201,647 | $1,356 | $0 | $249 | $1,606 | $68,800 |
| 10% down | $25,206 | $226,853 | $1,526 | $95 | $249 | $1,870 | $80,100 |
| 5% down | $12,603 | $239,456 | $1,611 | $100 | $249 | $1,960 | $84,000 |
| 3.5% down (FHA) | $8,822 | $247,493 | $1,665 | $111 | $249 | $2,026 | $86,800 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.59% 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 Huntington metro area.
West Virginia counties with similar prices
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Hampshire County | $256,369 | +3.4% | 0.38% |
| Monongalia County | $263,546 | +3.1% | 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% |
| Tucker County | $201,897 | -0.2% | 0.37% |
| Morgan County | $303,645 | +4.4% | 0.47% |
| Jackson County | $199,114 | +4.1% | 0.53% |
| Mineral County | $196,367 | +1.8% | 0.45% |
| Monroe County | $191,179 | +4.6% | 0.46% |
Frequently asked questions
What is the average home price in Putnam County, WV?
The typical home value in Putnam County is $252,059 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Putnam County?
About $68,800 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Putnam County?
The median effective rate is 0.59% of home value a year (Census ACS 2024 5-year estimates).