Calculate Your West Virginia Mortgage Payment
Our calculator is pre-filled with West Virginia's median home price and property tax rate. Adjust the numbers to match your situation.
Open Calculator with WV DefaultsMonthly Payment Breakdown for West Virginia
Here's what your monthly payment looks like on the median West Virginia home ($182,704) with 20% down at 6.67%, the current average 30-year rate:
Note: This estimate assumes 20% down payment ($36,541), no PMI. With less than 20% down, add $61-$122/month for PMI.
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West Virginia Property Taxes
West Virginia's effective property tax rate is 0.48%, which is below the national average of 0.89%. See how property taxes are calculated and how they compare across states.
Annual Property Tax on $182,704 Home
$877
($73/month escrowed)
Buying a Home in West Virginia: Key Facts
- Property tax rate of 0.48% is well below national average
- Lowest median home price in the nation at $175,000
- Homestead exemption provides $20,000 reduction for seniors/disabled
- WVHDF programs serve all 55 counties
Mortgage Calculators for Nearby States
Comparing homes across state lines? Check property taxes and home prices in neighboring states:
West Virginia First-Time Homebuyer Programs
West Virginia has 25 homebuyer assistance programs that can help with down payment and closing costs.
WVHDF Homeownership Program
Below-market 30-year fixed rates
Low-Interest MortgageWVHDF Down Payment/Closing Cost
Up to $10,000 or 10% of purchase price
Deferred LoanMovin' Up Program
For repeat buyers with competitive rates
Low-Interest MortgageEligibility requirements typically include income limits, credit score minimums (usually 620+), and homebuyer education courses. Visit DownPaymentResource.com to search for programs you may qualify for.
Major Cities in West Virginia
Home prices and property taxes can vary significantly by city. The median home value of $182,704 is a statewide estimate.
West Virginia Mortgage FAQ
What is the property tax rate in West Virginia?
The average effective property tax rate in West Virginia is 0.48%. On a $182,704 home, that's approximately $877 per year or $73 per month added to your mortgage payment.
What is the median home value in West Virginia?
The median home value in West Virginia is $182,704 as of 2026-06-01. Prices vary by location - Charleston and Huntington typically have higher prices than rural areas.
Are there first-time homebuyer programs in West Virginia?
Yes, West Virginia has 25 homebuyer assistance programs. Popular options include WVHDF Homeownership Program, which offers below-market 30-year fixed rates.
How much do I need to buy a house in West Virginia?
For the median West Virginia home ($182,704), you'd need $36,541 for a 20% down payment, plus $5,481-$9,135 for closing costs. With down payment assistance, you could potentially buy with as little as $6,395 (3.5% FHA down payment).
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Calculate Your WV Mortgage Payment