2026 data · 0.57% property tax · Median home $134,200
West Virginia Mortgage Calculator
A median-priced home in West Virginia ($134,200) costs roughly $833 per month all-in (PITI), assuming 20% down and a 30-year fixed at 7.0%. West Virginia's effective property tax rate is 0.57% — well below the US average of about 1.0%.
West Virginia median-home monthly payment
$833/mo
P&I $714 · Tax $64 · Insurance $55
@ $134,200 price, 20% down, 30-yr fixed at 7.0%
For a custom calculation with your specific numbers (different down payment, rate, term, or home price), use the main mortgage calculator — it includes a full amortization schedule.
Monthly payments at common home prices in West Virginia
| Home price | 20% down | P&I | Prop tax | Insurance | Total PITI/mo |
|---|---|---|---|---|---|
| $134,200 (state median) | $26,840 | $714 | $64 | $55 | $833 |
| $200,000 | $40,000 | $1,064 | $95 | $82 | $1,241 |
| $300,000 | $60,000 | $1,597 | $143 | $123 | $1,862 |
| $400,000 | $80,000 | $2,129 | $190 | $163 | $2,482 |
| $500,000 | $100,000 | $2,661 | $238 | $204 | $3,103 |
| $750,000 | $150,000 | $3,992 | $356 | $306 | $4,654 |
Calculations use West Virginia's 0.57% effective property tax rate, estimated homeowners insurance at 0.49%/year of home value, 30-year fixed at 7.0%, no PMI (20% down). Closing costs not included.
West Virginia property tax
Effective rate
0.57%
Median home value
$134,200
Median property tax
$768/yr
West Virginia has very low property tax rates (0.57%) and median home prices among the lowest in the US. Homestead exemption of $20,000 for residents 65+ or disabled.
See our property tax calculator for a state-by-state property tax breakdown, and our West Virginia paycheck calculator to estimate take-home pay against this monthly housing cost.
West Virginia vs neighboring states
| State | Property tax rate | Median home | Median tax/yr | |
|---|---|---|---|---|
| West Virginia (this page) | 0.57% | $134,200 | $768 | |
| Ohio | 1.36% | $204,200 | $2,770 | Ohio mortgage → |
| Pennsylvania | 1.43% | $239,800 | $3,440 | Pennsylvania mortgage → |
| Maryland | 0.99% | $371,100 | $3,680 | Maryland mortgage → |
| Virginia | 0.80% | $348,300 | $2,780 | Virginia mortgage → |
FAQs about West Virginia mortgages
What is the property tax rate in West Virginia?
West Virginia's effective property tax rate is 0.57%, meaning the average homeowner pays roughly 0.57% of their home's value in property tax annually. On a $134,200 home (the state median), that's about $768 per year, or $64 per month added to your mortgage payment.
What is the average monthly mortgage payment in West Virginia?
For a home at West Virginia's median value of $134,200, assuming 20% down, a 30-year fixed mortgage at 7.0%, and West Virginia's 0.57% property tax + estimated insurance, the typical monthly PITI payment is approximately $833. This includes $714 principal & interest, $64 property tax, and $55 homeowners insurance.
How much income do I need to buy a house in West Virginia?
Using the standard 28% front-end DTI rule, you'd need annual income of approximately $35,700 to comfortably afford West Virginia's median-priced home. Lenders typically allow up to 43% total DTI (including all debts), which corresponds to about $23,247 annual income at the maximum end. Your specific qualification depends on credit score, down payment, debts, and lender requirements.
Is West Virginia a good state to buy a house?
West Virginia's combination of 0.57% property tax (well below the national average of ~1.0%) and median home value of $134,200 make it one of the more affordable states for homeowners. West Virginia has very low property tax rates (0.57%) and median home prices among the lowest in the US.
How does West Virginia property tax compare to neighboring states?
West Virginia's 0.57% rate compares to: Ohio at 1.36%, Pennsylvania at 1.43%, Maryland at 0.99%, Virginia at 0.80%. Property taxes can differ substantially between bordering states — moving 30 miles across a state line can change your annual tax bill by thousands.
Does West Virginia have a homestead exemption?
West Virginia has very low property tax rates (0.57%) and median home prices among the lowest in the US. Homestead exemption of $20,000 for residents 65+ or disabled.
What's included in PITI?
PITI stands for Principal, Interest, Taxes, and Insurance — the four standard components of a mortgage payment. For your West Virginia mortgage, the breakdown on a median-priced home would be: Principal & Interest $714, Property Tax $64, Homeowners Insurance $55. Add PMI if your down payment is under 20%, and HOA fees if your home is in a community with one.