Mortgage Rates in West Virginia — June 2026
Compare mortgage rate benchmarks across 51 cities in West Virginia. Amortio's estimated state average for a 30-year fixed loan is 6.75%, which is 0.27% above the Freddie Mac national benchmark of 6.48% from June 4, 2026. These figures are informational estimates, not lender quotes or APR offers.
What is the current West Virginia mortgage-rate benchmark?
Amortio's West Virginia state table shows an estimated 6.75% 30-year benchmark across 51 cities, versus Freddie Mac's 6.48% national 30-year PMMS benchmark from June 4, 2026. Use it to compare city payments, then request same-day lender Loan Estimates for APR, points, fees, lock period, and cash-to-close.
How to Read West Virginia Mortgage Rates
West Virginia is not one uniform mortgage market. The rate table below covers 51 cities, but the real payment difference comes from home price, income, property taxes, loan size, and whether a borrower fits conventional, FHA, VA, or jumbo pricing. Use this page to compare cities first, then use lender quotes for final APR and fee decisions.
- At the state-average payment of $596 per month and median income of $42,615, West Virginia looks comparatively manageable against local median income.
- The observed city-level 30-year benchmark spread is 0.32 percentage points, from 6.58% to 6.9%. Even small rate differences matter more in expensive cities because they apply to larger loan balances.
- Average property-tax pressure is relatively low, so purchase price and rate lock timing usually drive more of the monthly-payment difference.
- For buyers comparing down payment choices, pair this state page with the PMI calculator, affordability calculator, and closing cost estimator before assuming the lowest advertised rate creates the lowest total cost.
Payment-Efficient West Virginia Cities
| City | P&I / Income | Monthly P&I | Median Income | 30-Year Rate |
|---|---|---|---|---|
| Sistersville | 11.8% | $466 | $47,500 | 6.72% |
| Spencer | 12.2% | $493 | $48,400 | 6.76% |
| Barboursville | 12.7% | $512 | $48,300 | 6.72% |
| Moorefield | 13.1% | $472 | $43,300 | 6.65% |
| Summersville | 13.3% | $500 | $45,000 | 6.68% |
Highest-Priced West Virginia Markets to Stress-Test
West Virginia Mortgage Quote Comparison Worksheet
Use this checklist before choosing between lender quotes, state assistance, builder credits, or a temporary buydown. It is built to catch the costs that do not show up in a simple rate table.
| Line Item | What to Compare |
|---|---|
| Rate vs APR | APR exposes points, lender fees, and credits that can hide inside a lower advertised rate. |
| Cash to close | Compare down payment, closing costs, prepaid taxes, insurance escrow, and any assistance or seller credit. |
| Payment after escrow | West Virginia buyers should compare principal, interest, property tax, insurance, HOA or condo dues, and mortgage insurance together. |
| Assistance terms | Down payment assistance can be a grant, forgivable second, deferred second, or repayable loan; the repayment rule changes the real cost. |
| Rate lock and buydown | Temporary buydowns and lender credits can improve the first-year payment while leaving a higher long-run payment. |
A strong West Virginia mortgage comparison should include at least two lender Loan Estimates plus one program or assistance check where available. Pair this worksheet with the affordability calculator, PMI calculator, and closing cost estimator.
West Virginia WVHDF, Low Down & Rural-Market Notes
West Virginia borrowers should compare mortgage-rate benchmarks with WVHDF homebuyer programs, rural property eligibility, appraisal timing, down payment assistance, and county price differences. This page is for planning and comparison, not a lender quote or APR offer.
- WVHDF says its Homeownership Program primarily targets first-time buyers and can provide 30-year fixed-rate loans that finance up to 100% of the purchase price for eligible borrowers.
- WVHDF lists Movin Up as an option for moderate-income first-time or repeat buyers, subject to current income, sales-price, and property rules.
- WVHDF describes the Low Down Home Loan as a down payment and closing cost assistance loan used with eligible WVHDF first mortgage programs.
- West Virginia buyers should compare conventional, FHA, VA, USDA, and WVHDF paths because rural eligibility, appraisal availability, property condition, and cash-to-close can be more important than a small rate difference.
West Virginia Loan Limit & WVHDF Checks
| Area | Conforming | FHA | Why It Matters |
|---|---|---|---|
| West Virginia conventional loans | $832,750 baseline | Use HUD county lookup | Verify county limits before choosing conforming, FHA, VA, USDA, or jumbo. |
| WVHDF Homeownership or Movin Up | Program-specific | Program-specific | Program eligibility, assistance, income, and sales-price rules should be checked before applying. |
| Rural or USDA-eligible market | N/A | N/A | USDA property and income eligibility are separate from the mortgage-rate benchmark. |
Official West Virginia Mortgage Sources
West Virginia Housing Highlights
All 51 Cities in West Virginia
| City | 30-Yr Rate | Home Price | Monthly P&I | Population |
|---|---|---|---|---|
| Charleston | 6.75% | $155,000 | $804 | 48,006 |
| Huntington | 6.75% | $115,000 | $597 | 46,842 |
| Star City | 6.67% | $132,500 | $682 | 38,683 |
| Morgantown | 6.75% | $245,000 | $1,271 | 30,855 |
| Parkersburg | 6.75% | $105,000 | $545 | 29,585 |
| Wheeling | 6.75% | $95,000 | $493 | 27,062 |
| Fort Ashby | 6.82% | $162,500 | $849 | 21,841 |
| Chapmanville | 6.9% | $140,000 | $738 | 21,058 |
| Weirton | 6.82% | $116,000 | $606 | 18,565 |
| Fairmont | 6.61% | $125,000 | $639 | 18,427 |
| Martinsburg | 6.58% | $215,000 | $1,096 | 17,837 |
| Sistersville | 6.72% | $90,000 | $466 | 17,156 |
| Beckley | 6.75% | $115,000 | $597 | 16,918 |
| Clarksburg | 6.75% | $95,000 | $493 | 15,743 |
| Teays Valley | 6.63% | $111,000 | $569 | 13,175 |
| South Charleston | 6.78% | $127,000 | $661 | 12,820 |
| Cross Lanes | 6.79% | $106,000 | $552 | 10,353 |
| Vienna | 6.74% | $120,000 | $622 | 10,261 |
| St. Albans | 6.66% | $113,000 | $581 | 10,234 |
| Bluefield | 6.68% | $102,000 | $525 | 9,828 |
| Bridgeport | 6.65% | $110,000 | $565 | 8,563 |
| Oak Hill | 6.79% | $107,000 | $557 | 8,263 |
| Moundsville | 6.79% | $114,000 | $594 | 8,109 |
| Scott Depot | 6.9% | $101,000 | $532 | 8,050 |
| Dunbar | 6.76% | $111,000 | $577 | 7,206 |
| Elkins | 6.74% | $114,000 | $591 | 7,094 |
| Nitro | 6.77% | $106,000 | $551 | 6,498 |
| Hurricane | 6.74% | $113,000 | $586 | 6,284 |
| Charles Town | 6.62% | $115,000 | $589 | 6,200 |
| Princeton | 6.84% | $102,000 | $534 | 5,882 |
| Ranson | 6.77% | $110,000 | $572 | 5,807 |
| Buckhannon | 6.85% | $101,000 | $529 | 5,639 |
| New Martinsville | 6.84% | $100,000 | $524 | 5,366 |
| Grafton | 6.62% | $112,000 | $573 | 5,164 |
| Keyser | 6.89% | $110,000 | $579 | 5,103 |
| Point Pleasant | 6.72% | $109,000 | $564 | 4,350 |
| Barboursville | 6.72% | $99,000 | $512 | 4,232 |
| Weston | 6.86% | $99,000 | $519 | 3,981 |
| Westover | 6.83% | $111,000 | $581 | 3,889 |
| Ravenswood | 6.83% | $114,000 | $596 | 3,876 |
| 11 more West Virginia city mortgage-rate pages are available as individual pages and in the XML sitemap. | ||||
West Virginia Mortgage Rates Guide — 2026
West Virginia homebuyers can use an estimated 30-year fixed benchmark of 6.75%, with median home prices around $114,843. At these rates, the typical monthly mortgage payment (principal and interest with 20% down) is $596.
The most affordable city for homebuyers in West Virginia is Sistersville, where the median home price is $90,000. On the other end, Morgantown has the highest prices at $245,000. Property tax rates across the state average 0.58%.
To comfortably afford a home at the state average price, a household income of approximately $25,543 is recommended, following the standard guideline that housing costs should not exceed 28% of gross income.
For West Virginia mortgage-rate searches, use the rate table to compare city payment pressure, then check whether WVHDF, USDA, FHA, or a standard conventional quote creates the better total result. In rural counties, lender coverage, appraisal timing, and property-condition rules can affect closing risk.
Use our free loan calculator to see your estimated monthly payments and amortization schedule, or browse individual city pages below for localized rate data and market insights.
Methodology & Mortgage Rate Data Sources
How we calculate West Virginia mortgage rates: Our rate estimates start with weekly mortgage-rate benchmarks and then compare city-level housing assumptions. They are designed for planning and comparison, not as a guarantee of lender pricing.
- Benchmark mortgage rates from Freddie Mac Primary Mortgage Market Survey (PMMS) — the most-cited weekly survey of 30-year and 15-year fixed conforming rates.
- Federal Reserve rate policy tracked via FRED — Federal Reserve Economic Data — the St. Louis Fed's authoritative database of interest rate series.
- Conforming loan limits set annually by the FHFA Conforming Loan Limit announcements (West Virginia 2026: $832,750 baseline, with higher one-unit limits in high-cost counties).
- State lending regulation context from HUD State Information pages covering FHA, down payment assistance, and housing finance agency programs in West Virginia.
- Mortgage market trends tracked via Mortgage Bankers Association (MBA) Weekly Applications Survey — the industry benchmark for mortgage demand and rate sensitivity.
Authoritative mortgage rate data sources:
- Freddie Mac PMMS — weekly 30yr and 15yr fixed rate benchmark
- FRED — Federal Reserve Economic Data — interest rate and housing series
- FHFA — Federal Housing Finance Agency — conforming loan limits and HPI
- HUD — Housing and Urban Development — FHA programs and state assistance
- WVHDF Homeownership Program — official West Virginia homebuyer mortgage program
- CFPB Mortgage Rate Checker — personalized rate comparison tool
- VA Home Loan Program — zero down payment loan for eligible veterans
Rate Disclaimer: Rates shown are estimates based on current market surveys and may not reflect actual lender quotes. Your rate depends on credit score, loan-to-value ratio, down payment, property type, and lender. Always obtain personalized rate quotes from multiple lenders. Rates change daily.
Reviewed by Brazora Monk · Last updated May 2026 · Freddie Mac PMMS data current as of June 4, 2026
Frequently Asked Questions — West Virginia Mortgages
What are current mortgage rates in West Virginia?
As of June 4, 2026, Freddie Mac's national benchmark was 6.48% for the 30-year fixed and 5.79% for the 15-year fixed. Amortio's West Virginia city comparison shows an estimated 30-year benchmark average of 6.75% and 15-year average of 5.99%. Rates vary by city, lender, lock date, fees, and borrower qualification.
What is the average home price in West Virginia?
The median home price across 51 cities in West Virginia is $114,843. Prices range from $90,000 in Sistersville to $245,000 in Morgantown.
How much income do I need to buy a house in West Virginia?
Based on the 28% debt-to-income guideline, you would need a household income of approximately $25,543 to comfortably afford the average home in West Virginia. The median household income in the state is approximately $42,615.
Can WVHDF assistance make a West Virginia mortgage cheaper?
It can reduce upfront cash for eligible buyers, but it should be compared against rate, APR, fees, mortgage insurance, repayment terms, and whether the property and borrower fit current WVHDF rules.
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