Calculate your monthly mortgage payment in West Virginia. Pre-filled with West Virginia's median home price of $155,000 and an average property tax rate of 0.59%.
Est. Monthly Payment
$1,059
Principal & Interest
$918
Property Tax / mo
$76
Total Interest Paid
$190,913
| Home Price | $155,000 | Median home price in West Virginia (2025) |
| Down Payment | 10% ($15,500) | Typical down payment percentage |
| Loan Amount | $139,500 | Home price minus down payment |
| Interest Rate | 6.89% | Approximate 30-year fixed rate (2025 avg) |
| Loan Term | 30 years | Most common mortgage term |
| Property Tax | 0.59% / year | West Virginia average effective rate |
| Home Insurance | 0.5% / year | Approximate annual premium |
WVHDF Movin' Up, Homeownership Program
Cost of living: Low · Population: 1,793,716
West Virginia has a median home price of approximately $155,000, placing it below the national median. With a 10% down payment of $15,500, a typical buyer would finance $139,500 over 30 years. At a 6.89% fixed rate, the monthly principal and interest payment comes to $918.
Property taxes in West Virginia average 0.59% of the assessed home value annually — one of the lower rates in the country. Combined with an estimated $65 for homeowners insurance, your all-in monthly housing cost is approximately $1,059.
Using the 28% housing cost guideline, you would need a gross annual income of approximately $45,378 to qualify comfortably. The median household income in West Virginia is $48,037.
