Mortgage Rates in Barboursville, West Virginia — March 2026
Updated March 2026 | Based on Barboursville market data and regional lending conditions
Barboursville is a growing city in West Virginia with a population of 4,232. The current 30-year fixed mortgage rate in Barboursville is 6.72%, which is 0.07% above the national average. With a median home price of $99,000 and a 20% down payment of $19,800, homebuyers can expect a monthly principal and interest payment of approximately $512.
Current Mortgage Rates in Barboursville, WV
Below are the current average mortgage rates available in the Barboursville area as of March 2026. Rates vary by lender, credit score, and loan-to-value ratio. Use our free calculator above to see your personalized estimate.
| Loan Type | Rate | National Avg | Difference |
|---|---|---|---|
| 30-Year Fixed | 6.72% | 6.65% | +0.07% |
| 15-Year Fixed | 5.97% | 5.89% | +0.08% |
| 5/1 ARM | 6.23% | 6.15% | +0.08% |
| FHA | 6.49% | 6.25% | +0.24% |
| VA | 6.24% | 6.05% | +0.19% |
| Jumbo | 6.97% | 6.85% | +0.12% |
Barboursville Housing Market Overview
The Barboursville housing market offers relatively affordable housing compared to many major cities. The median household income in Barboursville is $48,300, and the cost of living index is 76.6 (national average = 100). Based on the 28% affordability rule, the median income in Barboursville is sufficient to afford the median-priced home.
Monthly Payment Breakdown for Barboursville
Based on the median home price of $99,000 with 20% down ($19,800), here is what you can expect to pay monthly in Barboursville:
15-Year vs. 30-Year Mortgage in Barboursville
Choosing a 15-year mortgage in Barboursville at 5.97% instead of a 30-year at 6.72% would save you $64,260 in total interest over the life of the loan. However, your monthly payment would be $667 instead of $512 — an increase of $155 per month.
Calculate Your Barboursville Mortgage Payment
Use our free calculator to get a personalized estimate based on your loan amount, interest rate, and term.
Open Free CalculatorFrequently Asked Questions About Mortgages in Barboursville
What are the current mortgage rates in Barboursville, WV?
As of March 2026, the average 30-year fixed mortgage rate in Barboursville, West Virginia is 6.72%, while the 15-year fixed rate is 5.97%. FHA loans average 6.49% and VA loans 6.24%. These rates are 0.07% above the national average of 6.65%.
How much is a monthly mortgage payment in Barboursville?
Based on the median home price of $99,000 with 20% down, the estimated monthly mortgage payment in Barboursville is $512 for principal and interest. Including property taxes of $45/month, the total monthly housing cost is approximately $557.
What income do I need to buy a home in Barboursville?
Using the 28% rule, you would need an annual income of approximately $23,871 to afford the median-priced home in Barboursville at $99,000. The median household income in Barboursville is $48,300. The median income is currently sufficient to meet this threshold.
Is Barboursville a good place to buy a home in 2026?
Barboursville offers a below-average cost of living with a cost of living index of 76.6 (national average = 100). The property tax rate in West Virginia is 0.55%, which is below the national average. Barboursville has a population of 4,232 and offers a very affordable lifestyle.
Mortgage Rates in Other West Virginia Cities
Related Tools & Guides
Last updated: March 2026. Rates are approximate averages based on regional lending data for the Barboursville, West Virginia area. Individual rates may vary by lender, credit score, loan amount, and other factors. Use our free calculator for a personalized estimate.