Mortgage Rates in Moundsville, West Virginia — March 2026
Updated March 2026 | Based on Moundsville market data and regional lending conditions
Moundsville is a growing city in West Virginia with a population of 8,109. The current 30-year fixed mortgage rate in Moundsville is 6.79%, which is 0.14% above the national average. With a median home price of $114,000 and a 20% down payment of $22,800, homebuyers can expect a monthly principal and interest payment of approximately $594.
Current Mortgage Rates in Moundsville, WV
Below are the current average mortgage rates available in the Moundsville 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 | 6.79% | 6.65% | +0.14% |
| 15-Year Fixed | 6.02% | 5.89% | +0.13% |
| 5/1 ARM | 6.27% | 6.15% | +0.12% |
| FHA | 6.52% | 6.25% | +0.27% |
| VA | 6.27% | 6.05% | +0.22% |
| Jumbo | 7.04% | 6.85% | +0.19% |
Moundsville Housing Market Overview
The Moundsville housing market offers relatively affordable housing compared to many major cities. The median household income in Moundsville is $45,300, and the cost of living index is 71 (national average = 100). Based on the 28% affordability rule, the median income in Moundsville is sufficient to afford the median-priced home.
Monthly Payment Breakdown for Moundsville
Based on the median home price of $114,000 with 20% down ($22,800), here is what you can expect to pay monthly in Moundsville:
15-Year vs. 30-Year Mortgage in Moundsville
Choosing a 15-year mortgage in Moundsville at 6.02% instead of a 30-year at 6.79% would save you $75,060 in total interest over the life of the loan. However, your monthly payment would be $771 instead of $594 — an increase of $177 per month.
Calculate Your Moundsville 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 Moundsville
What are the current mortgage rates in Moundsville, WV?
As of March 2026, the average 30-year fixed mortgage rate in Moundsville, West Virginia is 6.79%, while the 15-year fixed rate is 6.02%. FHA loans average 6.52% and VA loans 6.27%. These rates are 0.14% above the national average of 6.65%.
How much is a monthly mortgage payment in Moundsville?
Based on the median home price of $114,000 with 20% down, the estimated monthly mortgage payment in Moundsville is $594 for principal and interest. Including property taxes of $52/month, the total monthly housing cost is approximately $646.
What income do I need to buy a home in Moundsville?
Using the 28% rule, you would need an annual income of approximately $27,686 to afford the median-priced home in Moundsville at $114,000. The median household income in Moundsville is $45,300. The median income is currently sufficient to meet this threshold.
Is Moundsville a good place to buy a home in 2026?
Moundsville offers a below-average cost of living with a cost of living index of 71 (national average = 100). The property tax rate in West Virginia is 0.55%, which is below the national average. Moundsville has a population of 8,109 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 Moundsville, West Virginia area. Individual rates may vary by lender, credit score, loan amount, and other factors. Use our free calculator for a personalized estimate.