Mortgage Calculator

West Virginia Mortgage Calculator

The true cost of owning a home in West Virginia includes property tax at 0.58%, homeowners insurance averaging $1,100/year, transfer tax, plus PMI if your down payment is under 20 percent.

Current 30 year fixed, conventional: 6.85% · as of October 10, 2026

Start from a preset:

Your home

Home price

State median: $155,000

Down payment

Loan term Shorter term = higher payment, less total interest

Your loan

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Interest rate

Live FRED 30yr fixed: 6.85%

Monthly extras

Property tax rate

West Virginia average: 0.58%

Home insurance

State average: $1,100/yr

HOA fees

Leave 0 if no HOA

Your monthly payment

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Payment breakdown

Principal & interest—

Property tax—

Home insurance—

PMI—

MIP (FHA/USDA)—

HOA—

Loan summary

Loan amount—

Down payment—

Total interest—

Loan payoff—

At closing

West Virginia closing costs

West Virginia charges a real estate transfer tax of about 0.220% of the sale price, typically paid by the seller.

$1.10 per $500 plus county

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Other South states

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