West Virginia home prices and mortgage costs
Typical home value $176,576 · +2.6% in a year · property tax 0.51%
West Virginia ranks 51st most expensive of 51 states and D.C. Home values changed +2.6% over the past year and +23.3% over five years. Buying the typical home with 20% down costs about $1,114 a month at 7.11%, which needs a household income of about $47,700.
Cost of the typical West Virginia home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $35,315 | $141,261 | $950 | $0 | $164 | $1,114 | $47,700 |
| 10% down | $17,658 | $158,918 | $1,069 | $66 | $164 | $1,299 | $55,700 |
| 5% down | $8,829 | $167,747 | $1,128 | $70 | $164 | $1,362 | $58,400 |
| 3.5% down (FHA) | $6,180 | $173,378 | $1,166 | $78 | $164 | $1,408 | $60,300 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.51% 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.
Check a specific budget: how much house you can afford in West Virginia by salary · payment on a $200K home in West Virginia
Home prices by county in West Virginia
| County | Typical home | 1-yr change | Tax rate | Payment / month | Income needed |
|---|---|---|---|---|---|
| Jefferson County | $399,235 | +4.1% | 0.53% | $2,524 | $108,200 |
| Berkeley County | $321,823 | +3.6% | 0.52% | $2,034 | $87,200 |
| Morgan County | $303,645 | +4.4% | 0.47% | $1,904 | $81,600 |
| Monongalia County | $263,546 | +3.1% | 0.47% | $1,652 | $70,800 |
| Hampshire County | $256,369 | +3.4% | 0.38% | $1,589 | $68,100 |
| Putnam County | $252,059 | +4.8% | 0.59% | $1,606 | $68,800 |
| Hardy County | $220,059 | +2.6% | 0.35% | $1,358 | $58,200 |
| Pendleton County | $213,619 | +7.2% | 0.34% | $1,318 | $56,500 |
| Greenbrier County | $206,887 | +4.1% | 0.44% | $1,294 | $55,400 |
| Tucker County | $201,897 | -0.2% | 0.37% | $1,250 | $53,600 |
| Jackson County | $199,114 | +4.1% | 0.53% | $1,259 | $54,000 |
| Mineral County | $196,367 | +1.8% | 0.45% | $1,229 | $52,700 |
| Monroe County | $191,179 | +4.6% | 0.46% | $1,198 | $51,400 |
| Taylor County | $185,274 | +1.7% | 0.54% | $1,172 | $50,200 |
| Pocahontas County | $184,813 | +4.5% | 0.3% | $1,134 | $48,600 |
| Grant County | $181,867 | +2.3% | 0.31% | $1,116 | $47,800 |
| Wood County | $173,101 | +1.1% | 0.59% | $1,104 | $47,300 |
| Cabell County | $170,976 | +2.5% | 0.6% | $1,092 | $46,800 |
| Pleasants County | $167,455 | +4.0% | 0.54% | $1,061 | $45,500 |
| Marion County | $167,401 | +2.3% | 0.59% | $1,066 | $45,700 |
| Mason County | $164,918 | +7.2% | 0.59% | $1,051 | $45,000 |
| Randolph County | $161,840 | +1.2% | 0.39% | $1,004 | $43,000 |
| Nicholas County | $159,335 | +3.5% | 0.46% | $998 | $42,800 |
| Ohio County | $159,042 | +4.6% | 0.6% | $1,015 | $43,500 |
| Raleigh County | $157,221 | +1.2% | 0.5% | $990 | $42,400 |
| Summers County | $154,622 | +4.6% | 0.31% | $950 | $40,700 |
| Upshur County | $152,038 | +2.5% | 0.42% | $947 | $40,600 |
| Kanawha County | $151,294 | +1.4% | 0.65% | $972 | $41,700 |
| Harrison County | $149,834 | +1.0% | 0.55% | $949 | $40,700 |
| Preston County | $145,690 | +5.9% | 0.49% | $916 | $39,300 |
| Mercer County | $145,481 | +0.1% | 0.54% | $921 | $39,500 |
| Wayne County | $141,785 | +4.4% | 0.47% | $889 | $38,100 |
| Hancock County | $141,600 | +7.1% | 0.63% | $907 | $38,900 |
| Fayette County | $139,740 | +3.9% | 0.64% | $896 | $38,400 |
| Marshall County | $139,040 | +3.9% | 0.45% | $870 | $37,300 |
| Doddridge County | $136,177 | +12.7% | 0.5% | $858 | $36,800 |
| Braxton County | $136,031 | -1.4% | 0.45% | $852 | $36,500 |
| Lewis County | $128,840 | -2.7% | 0.46% | $807 | $34,600 |
| Brooke County | $128,596 | -0.8% | 0.53% | $813 | $34,800 |
| Roane County | $126,181 | +4.4% | 0.44% | $788 | $33,800 |
| Barbour County | $124,357 | -0.4% | 0.43% | $776 | $33,200 |
| Clay County | $120,944 | -0.4% | 0.35% | $746 | $32,000 |
| Gilmer County | $118,423 | +6.6% | 0.49% | $745 | $31,900 |
| Ritchie County | $116,307 | -3.9% | 0.66% | $748 | $32,100 |
| Tyler County | $113,494 | +0.3% | 0.57% | $721 | $30,900 |
| Wetzel County | $112,058 | +1.7% | 0.67% | $721 | $30,900 |
| Logan County | $107,969 | +2.9% | 0.56% | $685 | $29,400 |
| Wirt County | $107,854 | -4.9% | 0.52% | $681 | $29,200 |
| Calhoun County | $105,494 | +13.1% | 0.42% | $658 | $28,200 |
| Lincoln County | $98,800 | -11.6% | 0.51% | $623 | $26,700 |
| Boone County | $95,509 | +3.2% | 0.67% | $615 | $26,300 |
| Webster County | $84,311 | -1.1% | 0.4% | $524 | $22,500 |
| Mingo County | $73,736 | -3.7% | 0.47% | $462 | $19,800 |
| Wyoming County | $66,912 | +0.4% | 0.45% | $418 | $17,900 |
| McDowell County | $37,466 | -16.0% | 0.67% | $241 | $10,300 |
Metro areas in West Virginia
Frequently asked questions
What is the average home price in West Virginia?
The typical home in West Virginia is worth $176,576 according to the Zillow Home Value Index for September 2026.
How much income do you need to buy a house in West Virginia?
About $47,700 a year to buy the typical $176,576 home with 20% down at 7.11%, keeping housing under 28% of income.
What is the property tax rate in West Virginia?
The typical effective rate is 0.51% of the home's value a year (median taxes paid divided by median home value, Census ACS 2025).