West Virginia mortgage calculator

Use our free mortgage calculator to estimate your monthly mortgage payment, includi...ng your principal and interest, taxes, insurance, and PMI in West Virginia. See how your monthly payment changes by making updates to your home price, down payment, interest rate, and loan term.

West Virginia housing market

West Virginia, the Mountain State, is also the bargain state with the lowest median... home price in the country. Homeowners tend to spend about 17% of their income on home expenses. West Virginia also boasts the highest percentage of single-family homes in the country.

Your monthly payment
30 year fixed loan term
Monthly payment
Principal & interest


Property taxes

Homeowners insurance

Homeowners association (HOA) fees

Compare common loan types
Total principal: $240,000
Loan Term
30 year fixedYour input
15 year fixed30 year fixed
Monthly Payment$1,599$2,011$1,454
Mortgage Rate4.125%2.276%*3.047%*
Total interest paid
Loan Term
30 year fixedYour input
15 year fixed30 year fixed
Monthly Payment$1,599$2,011$1,454
Mortgage Rate4.125%2.276%*3.047%*
Total interest paid

See how your payments change over time for your 30 year fixed loan term

At year 0

30 year fixed loan term

Principal Paid
Interest Paid
Year 0
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We’ll share an interesting insight here for key milestones in your payoff schedule.

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West Virginia mortgage and refinance rates today (APR)

ProductInterest rateAPR
30-year fixed-rate2.958%3.016%
20-year fixed-rate2.694%2.777%
15-year fixed-rate2.153%2.248%
10-year fixed-rate2.036%2.102%
7/1 ARM2.548%3.136%
5/1 ARM2.480%3.216%
30-year fixed-rate FHA2.312%3.017%
30-year fixed-rate VA2.623%2.912%

Data source: ©Zillow, Inc. 2006 – 2021. Use is subject to the Terms of Use

Today's rate

30-year fixed

Today’s mortgage rates in West Virginia are 3.016% for a 30-year fixed, 2.248% for a 15-year fixed, and 3.216% for a 5/1 adjustable-rate mortgage (ARM).

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First-time home buyer programs in West Virginia

There are several national first-time home buyer programs that may be able to help you get into a home in West Virginia.

Conventional mortgage

National program

What you need to know

Best for home buyers with good credit looking for low down payments or limited mortgage insurance premiums. A conventional mortgage is a home loan that isn’t guaranteed or insured by the federal government. Conventional mortgages that conform to the requirements set forth by Fannie Mae and Freddie...

See full article

Average property tax in West Virginia counties

Taking U.S. Census data, NerdWallet has crunched the numbers to help you understand what property tax rate you can expect to pay on your future home in West Virginia. Because assessed values aren’t frequently updated, you may pay a higher rate at first but eventually you’ll pay a similar rate.

Avg. property tax rate
Avg. home value
Barbour County0.37%$101,200
Berkeley County0.67%$174,000
Boone County0.51%$71,800
Braxton County0.38%$91,100
Brooke County0.58%$91,000
Cabell County0.63%$139,700
Calhoun County0.39%$79,900
Clay County0.33%$79,100
Doddridge County0.35%$105,900
Fayette County0.53%$86,400
Gilmer County0.44%$91,600
Grant County0.37%$144,600
Greenbrier County0.43%$115,400
Hampshire County0.42%$136,700
Hancock County0.59%$89,800
Hardy County0.43%$121,900
Harrison County0.59%$120,400
Jackson County0.51%$113,300
Jefferson County0.66%$227,300
Kanawha County0.61%$111,900
Lewis County0.42%$98,600
Lincoln County0.27%$82,000
Logan County0.5%$85,800
Marion County0.66%$110,100
Marshall County0.48%$99,800
Mason County0.55%$78,300
McDowell County0.22%$34,800
Mercer County0.44%$89,400
Mineral County0.5%$129,800
Mingo County0.29%$71,000
Monongalia County0.51%$216,800
Monroe County0.41%$105,700
Morgan County0.69%$170,600
Nicholas County0.4%$88,900
Ohio County0.62%$114,800
Pendleton County0.36%$107,900
Pleasants County0.6%$104,700
Pocahontas County0.3%$117,200
Preston County0.43%$106,600
Putnam County0.6%$157,500
Raleigh County0.53%$101,200
Randolph County0.42%$99,800
Ritchie County0.66%$82,100
Roane County0.42%$92,700
Summers County0.36%$95,100
Taylor County0.55%$100,200
Tucker County0.38%$104,300
Tyler County0.54%$92,400
Upshur County0.44%$111,900
Wayne County0.45%$90,600
Webster County0.31%$68,400
Wetzel County0.52%$90,700
Wirt County0.42%$81,400
Wood County0.63%$130,700
Wyoming County0.31%$67,900

Source: American Communities Survey 2016, U.S. Census

Under "Home price," enter the price (if you're buying) or the current value (if you're refinancing). NerdWallet also has a .

Under "Down payment," enter the amount of your down payment (if you’re buying) or the amount of equity you have (if refinancing). A  is the cash you pay upfront for a home, and  is the value of the home, minus what you owe.

On desktop, under "Interest rate" (to the right), enter the rate. Under "Loan term," click the plus and minus signs to adjust the length of the mortgage in years.

On mobile devices, tap "Refine Results" to find the field to enter the rate and use the plus and minus signs to select the "Loan term."

You may enter your own figures for  and , if you don’t wish to use NerdWallet’s estimates. Edit these figures by clicking on the amount currently displayed.

The mortgage calculator lets you click "Compare common loan types" to view a comparison of different loan terms. Click "Amortization" to see how the principal balance, principal paid (equity) and total interest paid change year by year. On mobile devices, scroll down to see "Amortization."

» MORE: 

The mortgage payment calculation looks like this: M = P [ i(1 + i)^n ] / [ (1 + i)^n – 1]

The variables are as follows:

Determining what your monthly house payment will be is an important part of figuring out how much house you can afford. That monthly payment is likely to be the biggest part of your cost of living.

Using NerdWallet’s mortgage calculator lets you estimate your mortgage payment when you buy a home or refinance. You can change loan details in the calculator to run scenarios. The calculator can help you decide:

Mortgage lenders are required to assess your ability to repay the amount you want to borrow. A lot of factors go into that assessment, and the main one is debt-to-income ratio.

Your  is the percentage of pretax income that goes toward monthly debt payments, including the mortgage, car payments, student loans, minimum credit card payments and child support. Lenders look most favorably on debt-to-income ratios of 36% or less — or a maximum of $1,800 a month on an income of $5,000 a month before taxes.

» MORE: 

If your mortgage payment included just principal and interest, you could use a bare-bones mortgage calculator. But most mortgage payments include other charges as well. Here are the key components of the monthly mortgage payment:

Typically, when you belong to a homeowners association, the dues are billed directly, and it's not added to the monthly mortgage payment. Because HOA dues can be easy to forget, they're included in NerdWallet's mortgage calculator.

The mortgage calculator lets you test scenarios to see how you can reduce the monthly payments:

Your monthly payment can go up over time if: