West Virginia Mortgage Calculator
West Virginia has the 9th-lowest effective property tax rate of the 50 states at 0.51% — $716 less a year than the 0.91% state average on a $179,000 home. Homeowners insurance averages $1,860 a year, the 17th-lowest premium nationally and $860 less than the typical state.
Most West Virginia counties use the $832,750 conforming loan limit for 2026, but 1 high-cost county — Jefferson County ($1,249,125) — allow larger conforming loans. Above those amounts you need a jumbo loan.
On a $179,000 home, property tax and insurance add $231 a month in West Virginia, compared with $289 in Virginia, $297 in Maryland, $315 in Pennsylvania, $379 in Ohio, $447 in Kentucky.
Loan Parameters
Total Monthly Payment
$1,403
Principal & Interest + Taxes + Insurance
APR 7.488%
Total Interest
$225,918
Total Cost
$479,873
Advanced Parameters
Private Mortgage Insurance (PMI)
Your down payment is below 20%. PMI is estimated at 0.72% annually and is removed here when your LTV reaches 80%.
Loan Summary
Payoff Date
Sep 2056
Interest / Principal
1.40x
Mortgage Insurance Ends
Feb 2035
50% Equity
Jul 2048
Amortization Schedule
| Period | Payment | Principal | Interest | PMI | Balance | Equity |
|---|---|---|---|---|---|---|
| Year 1 | $12,901 | $1,627 | $11,274 | $1,160 | $159,473 | $19,527 |
| Year 2 | $12,901 | $1,745 | $11,155 | $1,160 | $157,728 | $21,272 |
| Year 3 | $12,901 | $1,872 | $11,029 | $1,160 | $155,856 | $23,144 |
| Year 4 | $12,901 | $2,008 | $10,893 | $1,160 | $153,848 | $25,152 |
| Year 5 | $12,901 | $2,154 | $10,747 | $1,160 | $151,695 | $27,305 |
| Year 6 | $12,901 | $2,310 | $10,591 | $1,160 | $149,385 | $29,615 |
| Year 7 | $12,901 | $2,478 | $10,423 | $1,160 | $146,907 | $32,093 |
| Year 8 | $12,901 | $2,658 | $10,243 | $1,160 | $144,249 | $34,751 |
| Year 9 | $12,901 | $2,851 | $10,050 | $387 | $141,399 | $37,601 |
| Year 10 | $12,901 | $3,058 | $9,843 | — | $138,341 | $40,659 |
| Year 11 | $12,901 | $3,280 | $9,621 | — | $135,062 | $43,938 |
| Year 12 | $12,901 | $3,518 | $9,383 | — | $131,544 | $47,456 |
| Year 13 | $12,901 | $3,773 | $9,128 | — | $127,771 | $51,229 |
| Year 14 | $12,901 | $4,047 | $8,854 | — | $123,724 | $55,276 |
| Year 15 | $12,901 | $4,341 | $8,560 | — | $119,383 | $59,617 |
| Year 16 | $12,901 | $4,656 | $8,245 | — | $114,727 | $64,273 |
| Year 17 | $12,901 | $4,994 | $7,906 | — | $109,733 | $69,267 |
| Year 18 | $12,901 | $5,357 | $7,544 | — | $104,376 | $74,624 |
| Year 19 | $12,901 | $5,746 | $7,155 | — | $98,630 | $80,370 |
| Year 20 | $12,901 | $6,163 | $6,738 | — | $92,467 | $86,533 |
| Year 21 | $12,901 | $6,610 | $6,290 | — | $85,857 | $93,143 |
| Year 22 | $12,901 | $7,090 | $5,810 | — | $78,766 | $100,234 |
| Year 23 | $12,901 | $7,605 | $5,295 | — | $71,161 | $107,839 |
| Year 24 | $12,901 | $8,157 | $4,743 | — | $63,003 | $115,997 |
| Year 25 | $12,901 | $8,750 | $4,151 | — | $54,254 | $124,746 |
| Year 26 | $12,901 | $9,385 | $3,515 | — | $44,869 | $134,131 |
| Year 27 | $12,901 | $10,067 | $2,834 | — | $34,802 | $144,198 |
| Year 28 | $12,901 | $10,798 | $2,103 | — | $24,004 | $154,996 |
| Year 29 | $12,901 | $11,582 | $1,319 | — | $12,423 | $166,577 |
| Year 30 | $12,901 | $12,423 | $478 | — | $0 | $179,000 |
West Virginia mortgage data
- Typical home value
- $179,496
- Zillow ZHVI, August 31, 2026 (U.S. $368,697)
- Effective property tax rate
- 0.51%
- $913/yr on a $179,000 home
- Average homeowners insurance
- $1,860/yr
- $155/mo
- 2026 conforming loan limit
- $832,750 – $1,249,125
- 55 counties
- High-cost counties
- 1
- Limit above $832,750
- 2026 FHA loan limit (1-unit)
- $541,287 – $1,249,125
- Varies by county — confirm on HUD
- Current 30-yr / 15-yr fixed average
- 7.03% / 6.42%
- Freddie Mac PMMS, September 24, 2026
West Virginia calculators by loan type
How much house can you afford in West Virginia?
Highest price where principal, interest, West Virginia property tax, insurance and PMI stay within 28% of gross income —10% down, 30-year fixed at 7.03%. Other debts lower these numbers.
| Household income | Housing budget / mo | Max home price | Down payment | vs typical home |
|---|---|---|---|---|
| $50,000 | $1,167 | $145,000 | $14,500 | 81% |
| $75,000 | $1,750 | $228,000 | $22,800 | 127% |
| $100,000 | $2,333 | $312,000 | $31,200 | 174% |
| $125,000 | $2,917 | $396,000 | $39,600 | 221% |
| $150,000 | $3,500 | $479,000 | $47,900 | 267% |
| $200,000 | $4,667 | $647,000 | $64,700 | 360% |
| $250,000 | $5,833 | $814,000 | $81,400 | 453% |
West Virginia mortgage payment by loan amount
30-year fixed at 7.03%, 20% down, with West Virginia property tax and insurance on the matching home price.
| Loan amount | P&I | Total / month | Income needed | Loan type |
|---|---|---|---|---|
| $150,000 mortgage | $1,001 | $1,236 | $53,000 | Conforming |
| $175,000 mortgage | $1,168 | $1,416 | $61,000 | Conforming |
| $200,000 mortgage | $1,335 | $1,596 | $69,000 | Conforming |
| $225,000 mortgage | $1,501 | $1,776 | $77,000 | Conforming |
| $250,000 mortgage | $1,668 | $1,956 | $84,000 | Conforming |
| $275,000 mortgage | $1,835 | $2,136 | $92,000 | Conforming |
| $300,000 mortgage | $2,002 | $2,316 | $100,000 | Conforming |
| $325,000 mortgage | $2,169 | $2,496 | $107,000 | Conforming |
| $350,000 mortgage | $2,336 | $2,677 | $115,000 | Conforming |
| $375,000 mortgage | $2,502 | $2,857 | $123,000 | Conforming |
| $400,000 mortgage | $2,669 | $3,037 | $131,000 | Conforming |
| $425,000 mortgage | $2,836 | $3,217 | $138,000 | Conforming |
| $450,000 mortgage | $3,003 | $3,397 | $146,000 | Conforming |
| $475,000 mortgage | $3,170 | $3,577 | $154,000 | Conforming |
| $500,000 mortgage | $3,337 | $3,757 | $162,000 | Conforming |
| $525,000 mortgage | $3,503 | $3,937 | $169,000 | Conforming |
| $550,000 mortgage | $3,670 | $4,117 | $177,000 | Conforming |
| $575,000 mortgage | $3,837 | $4,298 | $185,000 | Conforming |
| $600,000 mortgage | $4,004 | $4,478 | $192,000 | Conforming |
| $625,000 mortgage | $4,171 | $4,658 | $200,000 | Conforming |
| $650,000 mortgage | $4,338 | $4,838 | $208,000 | Conforming |
| $675,000 mortgage | $4,504 | $5,018 | $216,000 | Conforming |
| $700,000 mortgage | $4,671 | $5,198 | $223,000 | Conforming |
| $725,000 mortgage | $4,838 | $5,378 | $231,000 | Conforming |
| $750,000 mortgage | $5,005 | $5,558 | $239,000 | Conforming |
| $775,000 mortgage | $5,172 | $5,738 | $246,000 | Conforming |
| $800,000 mortgage | $5,339 | $5,919 | $254,000 | Conforming |
| $825,000 mortgage | $5,505 | $6,099 | $262,000 | Conforming |
| $850,000 mortgage | $5,672 | $6,279 | $270,000 | Jumbo in most counties |
| $875,000 mortgage | $5,839 | $6,459 | $277,000 | Jumbo in most counties |
| $900,000 mortgage | $6,006 | $6,639 | $285,000 | Jumbo in most counties |
| $925,000 mortgage | $6,173 | $6,819 | $293,000 | Jumbo in most counties |
| $950,000 mortgage | $6,340 | $6,999 | $300,000 | Jumbo in most counties |
| $975,000 mortgage | $6,506 | $7,179 | $308,000 | Jumbo in most counties |
| $1,000,000 mortgage | $6,673 | $7,359 | $316,000 | Jumbo in most counties |
| $1,100,000 mortgage | $7,341 | $8,080 | $347,000 | Jumbo in most counties |
| $1,200,000 mortgage | $8,008 | $8,800 | $378,000 | Jumbo in most counties |
| $1,300,000 mortgage | $8,675 | $9,521 | $409,000 | Jumbo |
| $1,400,000 mortgage | $9,342 | $10,241 | $439,000 | Jumbo |
| $1,500,000 mortgage | $10,010 | $10,962 | $470,000 | Jumbo |
Loan programs compared in West Virginia
$179,000 home, each program's typical minimum or default down payment, current average 30-year rate.
| Loan type | Down | Loan amount | Upfront fee | Monthly MI | Total / month | APR |
|---|---|---|---|---|---|---|
| Conventional | 10% · $17,900 | $161,100 | — | $97 PMI | $1,403 | 7.488% |
| FHA | 3.5% · $6,265 | $175,758 | UFMIP $3,023 | $80 MIP | $1,484 | 7.761% |
| VA | 0% · $0 | $182,849 | Funding fee $3,849 | $0 | $1,451 | 7.242% |
| JumboLoan is conforming (≤ $832,750) | 20% · $35,800 | $143,200 | — | $0 | $1,187 | 7.030% |
West Virginia high-cost counties (2026)
1 county has a one-unit conforming limit above the $832,750 baseline. Loans up to these amounts are conforming, not jumbo.
- Jefferson County$1,249,125
Frequently asked questions
What is the monthly mortgage payment on a $179,000 home in West Virginia?
$179,000 is the typical West Virginia home value. With 10% down on a conventional loan, the estimated payment is $1,403 per month ($1,075 principal & interest, $76 property tax, $155 insurance, $97 PMI) at 7.03% for 30 years, including West Virginia's 0.51% effective property tax rate.
What is the 2026 conforming loan limit in West Virginia?
$832,750 in most counties and up to $1,249,125 in 1 high-cost county, including Jefferson County.
How much income do I need for a $179,000 home in West Virginia?
About $61,000 a year if housing costs stay within 28% of gross income — a common lender guideline. Lenders also look at total debt-to-income, usually capped around 43%–50%.
How much house can I afford in West Virginia on a $100,000 salary?
About $312,000 with 10% down, keeping the payment (including West Virginia property tax, insurance and PMI) within 28% of gross income at 7.03%. The typical West Virginia home ($179,496) needs roughly $61,000 a year.
Explore related calculators
West Virginia calculators by loan type
Data sources & assumptions
- Freddie Mac Primary Mortgage Market Survey (PMMS) — Weekly average as of September 24, 2026
- Zillow Home Value Index (ZHVI), typical home value, all homes — Default home prices; typical value as of August 31, 2026
- FHFA 2026 Conforming Loan Limit Values (one-unit) — 2026 one-unit limits, 56 states & territories
- HUD FHA Mortgage Limits lookup — FHA floor $541,287; high-cost counties follow the conforming limit — confirm on HUD
- Effective statewide property tax rate (Tax Foundation, 2026 projections) — Statewide effective rate; county rates vary
- Average annual homeowners premium, $300K dwelling / $1K deductible (industry survey averages) — Statewide average premium
Estimates exclude lender origination fees, points and closing costs. See our methodology for formulas and limitations.