Mortgage Rates in West Virginia — April 2026
Compare current mortgage rates across 50 cities in West Virginia. The average 30-year fixed rate is 6.75%, which is 0.66% above the national average of 6.09%.
West Virginia Housing Highlights
All 50 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 |
| 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 |
| Lewisburg | 6.79% | $95,000 | $495 | 3,830 |
| Summersville | 6.68% | $97,000 | $500 | 3,572 |
| Ripley | 6.78% | $99,000 | $515 | 3,252 |
| Williamstown | 6.78% | $107,000 | $557 | 2,952 |
| Williamson | 6.78% | $93,000 | $484 | 2,801 |
| Moorefield | 6.65% | $92,000 | $472 | 2,544 |
| Welch | 6.6% | $110,000 | $562 | 2,406 |
| Spencer | 6.76% | $95,000 | $493 | 2,222 |
| Shepherdstown | 6.8% | $111,000 | $579 | 1,862 |
| Logan | 6.81% | $102,000 | $533 | 1,604 |
| Wayne | 6.81% | $113,000 | $590 | 1,185 |
West Virginia Mortgage Rates Guide — 2026
West Virginia homebuyers currently see an average 30-year fixed mortgage rate of 6.75%, with median home prices around $115,340. At these rates, the typical monthly mortgage payment (principal and interest with 20% down) is $599.
The most affordable city for homebuyers in West Virginia is Moorefield, where the median home price is $92,000. 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 $25,671 is recommended, following the standard guideline that housing costs should not exceed 28% of gross income.
Use our free loan calculator to see your exact monthly payments and amortization schedule, or browse individual city pages below for localized rate data and market insights.
Frequently Asked Questions — West Virginia Mortgages
What are current mortgage rates in West Virginia?
As of April 2026, the average 30-year fixed mortgage rate in West Virginia is 6.75% and the 15-year fixed rate averages 5.99%. Rates vary by city, lender, and borrower qualification.
What is the average home price in West Virginia?
The median home price across 50 cities in West Virginia is $115,340. Prices range from $92,000 in Moorefield 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 $25,671 to comfortably afford the average home in West Virginia. The median household income in the state is approximately $42,517.
Browse Mortgage Rates by State
Calculate Your West Virginia Mortgage Payment
Use our free calculator to see your exact monthly payment and amortization schedule.
Open Free Calculator