West Virginia Mortgage Calculator
Estimate the monthly PITI payment on a West Virginia home. Preseeded with the state’s 0.57% effective property-tax rate, $1,100 average annual insurance, and $160,000 median home price.
Loan Parameters
$
$
Percentage
20.0 %
Loan Term
Advanced Options
$
Monthly Payment (PITI)
$1,030
- Principal & Interest
- $809
- Property Taxes
- $76
- Home Insurance
- $92
- PMI
- $53
Total Interest
$163,257
Total Cost
$351,617
Payoff Year
2056
West Virginia Property Tax, Insurance & Home Prices
- Effective property-tax rate
- 0.57%
- Avg annual insurance
- $1,100
- Median home price
- $160,000
Statewide averages, last reviewed May 2026. Actual rates and premiums vary significantly by county, city, and parcel — see the notes below.
Notable West Virginia Rules
West Virginia has the lowest median home price in the country. The Homestead Exemption removes the first $20,000 of assessed value for homeowners 65+ or totally disabled. Class II (owner-occupied) property is taxed at half the rate of Class III/IV (rentals, commercial).
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Frequently Asked Questions
- West Virginia's statewide effective property-tax rate is approximately 0.57% of home value (last reviewed May 2026). Actual county- and city-level rates vary; check your specific parcel before budgeting.