West Virginia (WV) · South Real Estate Profile
West Virginia Mortgage Payment & Property Tax Guide
Calculate your exact monthly housing expense in West Virginia. In West Virginia, the effective statewide property tax rate averages 0.57% and homeowners insurance averages 0.50% of home market value. Explore 25 pre-calculated loan scenarios below.
Effective Property Tax0.57%
Homeowners Insurance0.50%
Median Home Price$160,000
Conforming Loan Limit$766,550
Property Tax Context for West Virginia: At 0.57%, a median-priced home of $160,000 pays roughly $912 per year in property taxes ($76/month). Millage rates vary across counties and municipalities.
Companion Tax Engine
View West Virginia Tax Tables →Check Take-Home Pay Across All 50 States on AfterTaxMath
See exact net salary, state income tax withholding, and FICA deductions for West Virginia residents.
Monthly Payment Benchmarks in West Virginia (30-Year Fixed at 6.50%%)
Estimated monthly PITI payments assuming 20% down payment and standard 28% DTI underwriting:
| Loan Amount | Est. Home Value | 30-Yr P&I | WV Property Tax | Total PITI/mo | Required Salary | Details |
|---|---|---|---|---|---|---|
| $150,000 | $187,500 | $948/mo | $89/mo | $1,115/mo | $48,000/yr | View schedule → |
| $250,000 | $312,500 | $1,580/mo | $148/mo | $1,859/mo | $80,000/yr | View schedule → |
| $350,000 | $437,500 | $2,212/mo | $208/mo | $2,602/mo | $112,000/yr | View schedule → |
| $450,000 | $562,500 | $2,844/mo | $267/mo | $3,346/mo | $143,000/yr | View schedule → |
| $550,000 | $687,500 | $3,476/mo | $327/mo | $4,089/mo | $175,000/yr | View schedule → |
| $750,000 | $937,500 | $4,741/mo | $445/mo | $5,576/mo | $239,000/yr | View schedule → |
| $1,000,000 | $1,250,000 | $6,321/mo | $594/mo | $7,435/mo | $319,000/yr | View schedule → |
Browse all 25 loan amounts in West Virginia
Select any loan principal to view detailed amortization, rate sensitivity, and DTI requirements:
$100k in WV$744/mo$150k in WV$1,115/mo$200k in WV$1,487/mo$250k in WV$1,859/mo$300k in WV$2,231/mo$350k in WV$2,602/mo$400k in WV$2,974/mo$450k in WV$3,346/mo$500k in WV$3,718/mo$550k in WV$4,089/mo$600k in WV$4,461/mo$650k in WV$4,833/mo$700k in WV$5,205/mo$750k in WV$5,576/mo$800k in WV$5,948/mo$850k in WV$6,320/mo$900k in WV$6,692/mo$950k in WV$7,064/mo$1 million in WV$7,435/mo$1.1 million in WV$8,179/mo$1.2 million in WV$8,922/mo$1.3 million in WV$9,666/mo$1.4 million in WV$10,409/mo$1.5 million in WV$11,153/mo$2 million in WV$14,871/mo
Explore neighboring South states
Compare mortgage payment benchmarks and property taxes across neighboring South jurisdictions:
Alabama (0.40% tax)View guide →Arkansas (0.62% tax)View guide →District of Columbia (0.57% tax)View guide →Florida (0.86% tax)View guide →Georgia (0.88% tax)View guide →Kentucky (0.83% tax)View guide →
Closing Costs & Transfer Tax in West Virginia
State excise tax on transfers is $1.10 per $500 plus a county fee of up to $0.55 per $500 ($1.65 per $500 total).