Charleston, WV home prices
Typical home $147,375 · +1.1% in a year · income needed $40,600
The Charleston, WV metro area ranks 812 of 894 U.S. metros for home values (U.S. typical home: $366,157). Prices changed +1.1% in a year and +23.7% over five years. With 20% down at 7.11%, the typical home costs about $947 a month including 0.65% property tax (Kanawha County rate).
Mortgage on the typical Charleston home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $29,475 | $117,900 | $793 | $0 | $154 | $947 | $40,600 |
| 10% down | $14,737 | $132,637 | $892 | $55 | $154 | $1,102 | $47,200 |
| 5% down | $7,369 | $140,006 | $942 | $58 | $154 | $1,154 | $49,500 |
| 3.5% down (FHA) | $5,158 | $144,706 | $973 | $65 | $154 | $1,193 | $51,100 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.65% 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.
Counties in the Charleston area
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Kanawha County, WV | $151,294 | +1.4% | 0.65% |
| Jackson County, WV | $199,114 | +4.1% | 0.53% |
| Boone County, WV | $95,509 | +3.2% | 0.67% |
| Lincoln County, WV | $98,800 | -11.6% | 0.51% |
| Clay County, WV | $120,944 | -0.4% | 0.35% |
What can you afford in West Virginia on your salary? · West Virginia home prices · Salaries in West Virginia
Frequently asked questions
How much is a house in Charleston?
The typical home in the Charleston, WV metro area is worth $147,375 (Zillow, September 2026).
What salary do you need to buy a house in Charleston?
About $40,600 a year for the typical home with 20% down at 7.11%.