Mortgage Rates in Dunbar, West Virginia — March 2026
Updated March 2026 | Based on Dunbar market data and regional lending conditions
Dunbar is a growing city in West Virginia with a population of 7,206. The current 30-year fixed mortgage rate in Dunbar is 6.76%, which is 0.11% above the national average. With a median home price of $111,000 and a 20% down payment of $22,200, homebuyers can expect a monthly principal and interest payment of approximately $577.
Current Mortgage Rates in Dunbar, WV
Below are the current average mortgage rates available in the Dunbar 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 | 6.76% | 6.65% | +0.11% |
| 15-Year Fixed | 5.99% | 5.89% | +0.1% |
| 5/1 ARM | 6.25% | 6.15% | +0.1% |
| FHA | 6.5% | 6.25% | +0.25% |
| VA | 6.25% | 6.05% | +0.2% |
| Jumbo | 7.01% | 6.85% | +0.16% |
Dunbar Housing Market Overview
The Dunbar housing market offers relatively affordable housing compared to many major cities. The median household income in Dunbar is $40,500, and the cost of living index is 74.2 (national average = 100). Based on the 28% affordability rule, the median income in Dunbar is sufficient to afford the median-priced home.
Monthly Payment Breakdown for Dunbar
Based on the median home price of $111,000 with 20% down ($22,200), here is what you can expect to pay monthly in Dunbar:
15-Year vs. 30-Year Mortgage in Dunbar
Choosing a 15-year mortgage in Dunbar at 5.99% instead of a 30-year at 6.76% would save you $72,900 in total interest over the life of the loan. However, your monthly payment would be $749 instead of $577 — an increase of $172 per month.
Calculate Your Dunbar 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 Dunbar
What are the current mortgage rates in Dunbar, WV?
As of March 2026, the average 30-year fixed mortgage rate in Dunbar, West Virginia is 6.76%, while the 15-year fixed rate is 5.99%. FHA loans average 6.5% and VA loans 6.25%. These rates are 0.11% above the national average of 6.65%.
How much is a monthly mortgage payment in Dunbar?
Based on the median home price of $111,000 with 20% down, the estimated monthly mortgage payment in Dunbar is $577 for principal and interest. Including property taxes of $53/month, the total monthly housing cost is approximately $630.
What income do I need to buy a home in Dunbar?
Using the 28% rule, you would need an annual income of approximately $27,000 to afford the median-priced home in Dunbar at $111,000. The median household income in Dunbar is $40,500. The median income is currently sufficient to meet this threshold.
Is Dunbar a good place to buy a home in 2026?
Dunbar offers a below-average cost of living with a cost of living index of 74.2 (national average = 100). The property tax rate in West Virginia is 0.57%, which is below the national average. Dunbar has a population of 7,206 and offers a very affordable lifestyle.
Mortgage Rates in Other West Virginia Cities
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Last updated: March 2026. Rates are approximate averages based on regional lending data for the Dunbar, West Virginia area. Individual rates may vary by lender, credit score, loan amount, and other factors. Use our free calculator for a personalized estimate.