West Virginia Mortgage Rates & Home Prices (2026)
Median price: $155,000 · Avg. rate: 6.92%
West Virginia Market Overview
$155,000
Median Home Price
6.92%
Avg. 30-Yr Rate
0.58%
Property Tax Rate
73.2%
Homeownership Rate
West Virginia has some of the most affordable housing in the nation with median prices under $160,000. The WVHDF offers down payment and closing cost assistance. Low property taxes and cost of living make homeownership very accessible despite lower incomes.
Estimated Monthly Payment
Median home in West Virginia (20% down, 30-yr fixed)
$958/mo
Principal & Interest$818
Property Taxes$75
Home Insurance (est.)$65
Total Monthly (PITI)$958
Based on a $155,000 home with 20% down ($124,000 loan) at 6.92%. Does not include PMI, HOA, or other fees.
First-Time Buyer Programs in West Virginia
- WVHDF Homeownership Program
- WVHDF Movin' Up Program
- Low Down Payment DPA
Contact your state's Housing Finance Agency for current program availability and requirements.
Rate Comparison: WV Rates
30-Year Fixed6.92%
15-Year Fixed6.16%
5/1 ARM (est.)6.17%
FHA 30-Year6.77%
VA 30-Year6.67%
Rates are estimates based on state averages and may vary by lender and borrower qualifications.
Frequently Asked Questions
Key Stats: WV
FHA Loan Limit$472,030
Median Income$48,037
Cost Index0.74x