How much house can I afford in West Virginia?

All-in cost first, always. Estimate only — not a loan quote or pre-approval.

Not your state? Find your calculator here.

West Virginia at a glance

Median home price
$274,142
Typical closing costs
2%–4.2% of price
Transfer tax
0.22% of sale price, customarily paid by seller
Closing custom
attorney
Homestead exemption
West Virginia Code 11-6B-3 provides a homestead exemption from ad valorem property tax on the first $20,000 of assessed value for homeowners who are age 65 or older, or certified as permanently and totally disabled, and who have been a WV resident for the 2 consecutive calendar years before the tax year in which the exemption is claimed. Applies to a homestead used and occupied exclusively for residential purposes; owners already receiving a similar exemption in another state are ineligible. Apply through the county assessor's office.

First-time buyer / down payment assistance programs

  • WVHDF Homeownership Program

    West Virginia Housing Development Fund's primary 30-year fixed-rate first mortgage, financing up to 100% of purchase price, primarily for first-time homebuyers (non-first-time buyers may qualify in targeted counties); pairs with WVHDF down payment assistance. Home must be in West Virginia on 5 acres or less.

  • WVHDF Low Down Home Loan

    Second mortgage of up to $12,000 for down payment and/or closing costs, structured as a 15-year fixed-rate loan at 2% interest; only available paired with a WVHDF Homeownership Program or Movin' Up Program first mortgage, and requires an LTV at or above 80% to access the full $12,000.

Continue calculating

Mortgage payment calculator

Estimated all-in monthly payment for a home price you have in mind.

First-time buyer programs

Check which down payment assistance programs you likely qualify for.

Take-home pay calculator

What actually reaches your account after federal tax, FICA, and your state's own brackets — with local income tax disclosed rather than guessed at.

Related reading

Closing Costs in West Virginia: What You'll Actually Pay

9 min read

West Virginia's transfer tax is 0.22% and the seller customarily pays it. Here's what closing on a $274,142 West Virginia home actually costs a buyer.

What Is PMI, and How Do You Get Rid of It?

15 min read

Private mortgage insurance explained in plain English — what it costs, why it exists, the exact federal rules for cancelling it, and how to work out the month your PMI is scheduled to end.

Guides & templates

Buying a Home With Someone Else

$4.99

The operational guide to buying property with a partner, friend, sibling, or parent — credit and DTI mechanics, title vesting, a clause-by-clause co-ownership agreement, and how the exit actually works.

The First-Time Buyer's Playbook: 12 Months to Closing Day

$4.99

A month-by-month plan for the year before you buy: what to do in each phase, what never to touch, how to document every dollar, and how to survive closing day.