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Key Takeaways for West Virginia Home Buyers:

Here's what you need to know to get started if you’re looking at buying in the Mountain State.

Average Home Prices in West Virginia

As of September 2025, the median sale price for a single-family home in West Virginia is $170,604.

Average home price:

  • Charleston: $159,921
  • Morgantown: $273,558
  • Martinsburg: $303,332
  • Wheeling: $145,896

Source: zillow.com/home-values

Average Home Size in West Virginia

The average size for a single-family home in West Virginia is approximately 1,831 square feet.

Average home size:

  • Charleston: 1,650 square feet
  • Morgantown: N/A
  • Martinsburg: 1,882 square feet
  • Wheeling: 1,641 square feet

Source: https://fred.stlouisfed.org/

West Virginia State Taxes

  • West Virginia has individual income tax rates ranging from 2.22% to 4.82%, following the 2025 rate reduction.
  • West Virginia's sales tax rate is 6%, with local jurisdictions able to add up to 1%, bringing the combined rate to around 7% in some areas.
  • West Virginia’s property taxes are among the lowest in the nation, with an average effective rate of about 0.55% of a home’s assessed value.

How Much Can You Afford in West Virginia?

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Monthly Payment:
$750.00

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$750.00
$1050
$1350

Affordable Home Prices With Your Recommended Payment

$107,844.08 house with $9,804.01 down. (10%)

$117,648.09 house with $19,608.02 down. (20%)

$127,452.10 house with $29,412.02 down. (30%)

These examples use the loan term provided and assume a fixed-rate mortgage with an interest rate of 6%.

West Virginia Down Payment Assistance Programs

National Homebuyers Fund FHA Program

This down payment assistance program helps buyers get into a home with little to no upfront cost, offering up to 101.5% financing through an FHA first mortgage and a second lien.

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More about this program
  • FHA loan covers 96.5% of the purchase price
  • Second lien covers 3.5% or 5% for down payment or closing costs
  • Minimum credit score: 600 (660 for manual underwriting)
  • No first-time buyer requirement
  • No max DTI with DU/LP approval
  • Homebuyer education required (Fannie Mae HomeView – free online)
  • Non-occupant co-borrowers allowed
  • Eligible properties: Single-family homes, duplexes (2 units), PUDs, condos (agency approved), townhomes, manufactured homes allowed (except single-wides)

National Community Lending Program

This program supports low- to moderate-income buyers with down payment assistance and flexible financing to make homeownership more accessible.

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More about this program
  • 30-year fixed-rate conventional mortgage
  • Second lien offers up to 4% for down payment assistance
  • Max LTV/CLTV: 97% / 105%
  • Income limit: Up to 140% of area median income (AMI)
  • Minimum credit score: 660
  • DTI: Lesser of 50% or AUS approval
  • Eligible properties: Single-family detached or attached homes, single-family homes with accessory units (must be zoned single-family), PUDs and condominiums, rural properties (must be residential in nature)

West Virginia HOMEownership Program

The West Virginia Housing Development Fund (WVHDF) HOMEownership Program helps first-time buyers, veterans, and eligible borrowers in targeted counties purchase a home with up to 100% financing and below-market interest rates. Down payment and closing cost assistance is also available.

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More about this program

Program Highlights:

  • Up to 100% financing with a 30-year fixed-rate loan
  • Below-market interest rates
  • Available to first-time buyers, veterans, or those in targeted counties
  • Can be paired with down payment and closing cost assistance
  • Minimum credit score of 620
  • Must meet income and purchase price limits based on county and household size
  • Home buyer education course required (depending on loan type)

West Virginia Movin’ Up Program

The West Virginia Housing Development Fund (WVHDF) Movin’ Up Program helps current homeowners upgrade to a new home, though first-time buyers may also qualify. Low-income borrowers may be eligible for the Movin’ Up Special Program, which offers even lower interest rates and mortgage insurance premiums.

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More about this program

Program Highlights:

  • Available to current homeowners and first-time buyers
  • Minimum credit score of 620 required
  • Maximum income of $130,560 for 1–2 person households or $152,320 for 3+ person households
  • Home buyer education course required (depending on loan type)
  • Special program available for low-income buyers with reduced interest rates and insurance costs

Churchill Mortgage is an approved lender for these down payment assistance programs. Contact us today to see if you qualify!

Frequently Asked Questions

Check our FAQs for responses to our most popular questions from West Virginia home buyers.

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How Much Should I Budget for Closing Costs in West Virginia?

Closing costs in West Virginia usually range from 2% to 5% of the home’s purchase price. These costs may include fees for appraisals, inspections, title insurance, and lender charges. Your loan officer can give you a personalized estimate based on your purchase.

For example, on a $300,000 home, buyers can expect to pay between $6,000 and $15,000 in closing costs. 

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What Are the Most Popular Home Loan Types in West Virginia?

The most common loans among West Virginia buyers are:

  • Conventional Loans – Flexible terms with competitive interest rates. Often preferred by buyers with strong credit and larger down payments, though options with as little as 3% down are available.

  • FHA Loans – Backed by the Federal Housing Administration, these are popular with first-time buyers. They allow lower credit scores and down payments starting at 3.5%.

  • VA Loans – Available to eligible veterans, active-duty service members, and surviving spouses. VA loans require no down payment and no private mortgage insurance (PMI).

  • USDA Loans – Designed for qualifying buyers in rural and suburban areas. These loans also offer no down payment and reduced mortgage insurance costs.

  • West Virginia Housing Development Fund (WVHDF) Programs – WVHDF offers affordable financing options for both first-time and repeat home buyers. The HOMEownership Program provides up to 100% financing with below-market rates and optional down payment assistance, while the Movin’ Up Program helps current homeowners or qualifying first-time buyers purchase their next home, with reduced rates available through the Movin’ Up Special Program for low-income borrowers.

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How Can I Find a Trusted Local West Virginia Realtor to Work With?

Churchill Mortgage's experienced Home Loan Specialists work closely with a network of trusted, local real estate agents across the state of West Virginia. Just ask for a referral and we'll provide you with a professional who is committed to finding the right home for you.

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How Do Schools Rank in West Virginia?

West Virginia’s public schools vary widely in performance, with some districts consistently earning strong marks for academics, student outcomes, and overall excellence.

  • Top districts include Monongalia County Schools, which is ranked #1 in the state for teacher quality and student achievement. 

  • Notable schools such as those in Doddridge County Schools have been recognized for high teacher quality, small class sizes, and student success.

  • The state uses the West Virginia Schools Balanced Scorecard accountability system, which measures key indicators like achievement, growth, and graduation.

For full school and district data, including test scores and accountability ratings, visit the West Virginia School Report Cards.

Reviews from West Virginia Home Buyers

★ ★ ★ ★ ★

"After having a couple of houses fall through the last house that we made an offer on was processed so quickly and efficiently! David Porter and his processor Kelly kept us posted every day during the process. We were able to get closed in less than 30 days."

Tracy F.
New Martinsville, WV
★ ★ ★ ★ ★

"David was amazing to work with. He was always willing to talk to us and was patient during our long drawn-out process during deed issues with the property."

Jamie H.
Pennsboro, WV
★ ★ ★ ★ ★

"Consistent communication, same folks on the project, clarifying My confusion when needed with easy-to-understand answers. All parties were professional, knowledgeable and respectful. Thanks so much for making a stressful process as painless as it could be."

John O.
Charleston, WV

4.9 / 5

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West Virginia Branch Locations

Churchill Loan Officers in West Virginia

Conforming and high balance allowed. Cooperative housing not eligible. Not all applicants will qualify. Not a commitment to lend. Other restriction or limitations to any program may apply.

This calculator is being provided for educational purposes only. The provided values for interest rates are examples only and do not reflect Churchill Mortgage Product terms & offers. The results are estimates that are based on information you provided and may not reflect Churchill Mortgage Product terms. The information cannot be used by Churchill Mortgage to determine a customer's eligibility for a specific product or service. All financial calculators are provided by a third-party and are not controlled by or under the control of Churchill Mortgage. Churchill Mortgage is not responsible for the content, results, or the accuracy of information.

These calculations are hypothetical examples designed to for illustration purposes only. Consult a Home Loan Specialist for more specific information regarding payments, terms, etc.

As a responsible lender, Churchill Mortgage is committed to the principles outlined in federal and state lending laws ensuring all potential borrowers have access to the same information, services, and opportunities throughout the home loan process.