Mortgage Rates in Clarksburg, West Virginia — March 2026
Updated March 2026 | Based on Clarksburg market data and regional lending conditions
Clarksburg is a growing city in West Virginia with a population of 15,743. The current 30-year fixed mortgage rate in Clarksburg is 6.75%, which is 0.1% above the national average. With a median home price of $95,000 and a 20% down payment of $19,000, homebuyers can expect a monthly principal and interest payment of approximately $493.
Current Mortgage Rates in Clarksburg, WV
Below are the current average mortgage rates available in the Clarksburg 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 | 6.75% | 6.65% | +0.1% |
| 15-Year Fixed | 5.99% | 5.89% | +0.1% |
| 5/1 ARM | 6.25% | 6.15% | +0.1% |
| FHA | 6.35% | 6.25% | +0.1% |
| VA | 6.15% | 6.05% | +0.1% |
| Jumbo | 6.95% | 6.85% | +0.1% |
Clarksburg Housing Market Overview
The Clarksburg housing market offers relatively affordable housing compared to many major cities. The median household income in Clarksburg is $32,250, and the cost of living index is 77.5 (national average = 100). Based on the 28% affordability rule, the median income in Clarksburg is sufficient to afford the median-priced home.
Monthly Payment Breakdown for Clarksburg
Based on the median home price of $95,000 with 20% down ($19,000), here is what you can expect to pay monthly in Clarksburg:
15-Year vs. 30-Year Mortgage in Clarksburg
Choosing a 15-year mortgage in Clarksburg at 5.99% instead of a 30-year at 6.75% would save you $62,100 in total interest over the life of the loan. However, your monthly payment would be $641 instead of $493 — an increase of $148 per month.
Calculate Your Clarksburg 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 Clarksburg
What are the current mortgage rates in Clarksburg, WV?
As of March 2026, the average 30-year fixed mortgage rate in Clarksburg, West Virginia is 6.75%, while the 15-year fixed rate is 5.99%. FHA loans average 6.35% and VA loans 6.15%. These rates are 0.1% above the national average of 6.65%.
How much is a monthly mortgage payment in Clarksburg?
Based on the median home price of $95,000 with 20% down, the estimated monthly mortgage payment in Clarksburg is $493 for principal and interest. Including property taxes of $46/month, the total monthly housing cost is approximately $539.
What income do I need to buy a home in Clarksburg?
Using the 28% rule, you would need an annual income of approximately $23,100 to afford the median-priced home in Clarksburg at $95,000. The median household income in Clarksburg is $32,250. The median income is currently sufficient to meet this threshold.
Is Clarksburg a good place to buy a home in 2026?
Clarksburg offers a below-average cost of living with a cost of living index of 77.5 (national average = 100). The property tax rate in West Virginia is 0.58%, which is below the national average. Clarksburg has a population of 15,743 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 Clarksburg, West Virginia area. Individual rates may vary by lender, credit score, loan amount, and other factors. Use our free calculator for a personalized estimate.