Calculate your monthly mortgage payment in West Virginia. Pre-filled with West Virginia's typical home value of $179,500 (Zillow Home Value Index, August 2026) and an effective property tax rate of 0.52% (Census ACS 2024 1-year, median taxes ÷ median home value).
Est. Monthly Payment
$1,111
Principal & Interest
$958
Property Tax / mo
$78
Total Interest Paid
$201,377
| Home Price | $179,500 | Typical home value in West Virginia — Zillow Home Value Index, August 2026 |
| Down Payment | 20% ($35,900) | Assumption — no sourced state average |
| Loan Amount | $143,600 | Home price minus down payment |
| Interest Rate | 7.03% | Freddie Mac PMMS national average, week of 2026-09-24 — not a West Virginia rate |
| Loan Term | 30 years | Assumption |
| Property Tax | 0.52% / year | West Virginia effective rate — Census ACS 2024 1-year, median taxes ÷ median home value |
| Home Insurance | 0.5% / year | Assumption — not a sourced premium |
Programs named for West Virginia: WVHDF Movin' Up, Homeownership Program. This list has no recorded source or date and may be out of date — confirm current programs and eligibility with the West Virginia housing finance agency before you rely on it.
Cost of living: Low (index 87.0, MERIC (C2ER index), Second Quarter 2026) · Population: 1,766,147 (Census Bureau estimate, July 1, 2025)
West Virginia has a typical home value of about $179,500 (Zillow Home Value Index, August 2026), below the U.S. typical value of $368,700. With an assumed 20% down payment of $35,900, a buyer would finance $143,600 over 30 years. At the national 7.03% fixed rate, the monthly principal and interest payment comes to $958.
The effective property tax rate in West Virginia — median real estate taxes paid divided by median home value — is 0.52% per year (Census ACS 2024 1-year, median taxes ÷ median home value), against 0.89% for the U.S. Combined with an assumed $75 a month for homeowners insurance, the estimated all-in monthly housing cost is about $1,111.
Using the 28% housing cost guideline, you would need a gross annual income of approximately $47,626 to qualify comfortably. The median household income in West Virginia is $60,798 (Census ACS 2024 1-year).
