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West Virginia at a glance
- Effective property tax
- 0.52%
- Rank (1 = highest)
- 41st of 51
- Median home value
- $170,800
- Median tax bill
- $881/yr
On the same $400,000 home, property tax in West Virginia adds about $173.33/month, versus $296.67/month at the national rate.
West Virginia mortgage payments by home price
| Home price | Principal & interest | Property tax | Total / month |
|---|---|---|---|
| $75,000 | $379.24 | $32.50 | $561.74 |
| $125,000 | $632.07 | $54.17 | $836.24 |
| $175,000 | $884.90 | $75.83 | $1,110.73 |
| $250,000 | $1,264.14 | $108.33 | $1,522.47 |
| $350,000 | $1,769.79 | $151.67 | $2,071.46 |
20% down, 6.5% 30-year fixed (example rate), 0.52% property tax, $1,800/yr insurance, no HOA. Also see: how much house you can afford in West Virginia.
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Assumptions
- Fixed interest rate for the full term.
- Property tax, insurance and HOA stay constant (in reality they usually rise over time).
- PMI applies only when the loan is over 80% of the home price, and stops once the balance reaches 78% of the original price.
- Extra payments go entirely to principal.
- West Virginia figures: Effective rate = ACS median real estate taxes paid ÷ ACS median value, owner-occupied housing units, by state. Source: US Census Bureau ACS 2024.
Frequently asked questions
What is the property tax rate in West Virginia?+
The effective property tax rate in West Virginia is about 0.52% of home value a year (median taxes paid $881 on a median home worth $170,800). That's the 41st highest of 50 states and DC, and lower than the national 0.89%. Your actual bill depends on your county, city and exemptions.
What's the mortgage payment on a median-priced home in West Virginia?+
For a $170,000 home with 20% down at an example 6.5% 30-year rate, the payment is about $1,083.28 a month, including $73.67 of property tax and $150.00 of insurance.
How much income do I need to buy a home in West Virginia?+
To afford the median West Virginia home ($170,000) under the 28/36 guideline with 10% down and no other debts, you'd need roughly $54,000 a year in gross income at a 6.5% rate.
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Last reviewed October 14, 2026. Calculator version 1.0.0. Sources: US Census Bureau, ACS 2024 1-year, Table B25103 (Median Real Estate Taxes Paid) · US Census Bureau, ACS 2024 1-year, Table B25077 (Median Value, Owner-Occupied). Results are estimates for educational purposes, not financial, tax or lending advice. How we check our numbers.