United States · West Virginia

West Virginia mortgage calculator

Estimate your monthly payment in West Virginia — principal & interest, property tax, and insurance — using the live national average rate and West Virginia's estimated ~0.59% effective property tax rate. Adjust any figure below.

Affording a home in West Virginia

Affordable

Median home price: $175,000
Income needed: $50,000; to qualify (28% rule, 20% down)
Typical household income: $50,000
Income to spare: −$0

A median West Virginia home costs $175k — one of the states where a median income is actually enough to qualify.

Data as of 2026-06-30. Sources: Zillow ZHVI, U.S. Census ACS, Splitero. Median is a statewide figure — expensive cities and more affordable rural areas vary widely.

A single median income can qualify in West Virginia — here's what that looks like

The typical West Virginia household earns $50,000/year. To buy a median-priced home here, lenders generally want to see $50,000/year — which a single median income can cover. West Virginia is one of the more accessible markets in the country right now.

The roles and income paths that commonly reach it in West Virginia are listed below — some single high-earning roles, some two incomes combined.

Roles and income paths that commonly meet the income in West Virginia

Nurse
Government worker
Teacher
Coal/energy sector

Pay varies widely by employer, experience, and city — these are paths that often (not always) reach the income needed, not a guarantee for any individual. Entries like “+ partner income” mean two incomes combined.

First-time buyer programs available in West Virginia

WVHDF Homeownership Program
Movin' Up Program

Programs and their terms change — verify current availability and eligibility with the official state housing agency before relying on any of these.

What makes West Virginia legally different for homebuyers

West Virginia has the lowest median home prices in the country ($173,639 ZHVI) and one of the lowest costs of homeownership overall — but this reflects an economy that has faced significant long-term challenges. West Virginia also has the cheapest homeowners insurance among mainland states due to minimal catastrophic weather risk.

If you buy here

West Virginia's affordability is real, but so is the context — research the local job market and long-term population trends for any specific area before committing. Some regions have been losing population for decades, which affects long-term property values.

Foreclosure: nonjudicial, ~2 mo
Post-sale redemption: None
Anti-deficiency protection: No

General overview only — laws change and individual situations vary. Consult a real estate attorney for advice specific to your purchase. (Verified 2026-06-30.)

A clean, printable one-page summary — free, no account needed.

Loan details

Understanding your numbers before you sign.

A mortgage is likely the largest financial commitment of your life. The Mortgage Ledger was built so you can explore what that commitment actually looks like — payment by payment, line by line — before you're sitting across from a lender.

Rates sourced from FRED (Federal Reserve Bank of St. Louis). Estimates only — not a loan offer.

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