The calculator below is pre-filled with Berkeley County's own property tax rate and insurance average (expand "More options" to see or edit them) — not just West Virginia's statewide figures.

Berkeley County at a glance

Effective property tax rate: 0.49% of home value / year
Median home price: $329,013
Homeowners insurance (avg/year): $1,114
Conforming loan limit (1-unit, 2026): $832,750

County data last updated 2026-08-20. FIPS 54003. Full source list on /methodology.

Berkeley County, WV mortgage payment calculator

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

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.

Guides & templates

Buying a Home With Someone Else

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

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.

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.