Mortgage Rates in Williamstown, West Virginia — March 2026
Updated March 2026 | Based on Williamstown market data and regional lending conditions
Williamstown is a growing city in West Virginia with a population of 2,952. The current 30-year fixed mortgage rate in Williamstown is 6.78%, which is 0.13% above the national average. With a median home price of $107,000 and a 20% down payment of $21,400, homebuyers can expect a monthly principal and interest payment of approximately $557.
Current Mortgage Rates in Williamstown, WV
Below are the current average mortgage rates available in the Williamstown 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 | 6.78% | 6.65% | +0.13% |
| 15-Year Fixed | 6.01% | 5.89% | +0.12% |
| 5/1 ARM | 6.27% | 6.15% | +0.12% |
| FHA | 6.52% | 6.25% | +0.27% |
| VA | 6.27% | 6.05% | +0.22% |
| Jumbo | 7.03% | 6.85% | +0.18% |
Williamstown Housing Market Overview
The Williamstown housing market offers relatively affordable housing compared to many major cities. The median household income in Williamstown is $45,100, and the cost of living index is 74.1 (national average = 100). Based on the 28% affordability rule, the median income in Williamstown is sufficient to afford the median-priced home.
Monthly Payment Breakdown for Williamstown
Based on the median home price of $107,000 with 20% down ($21,400), here is what you can expect to pay monthly in Williamstown:
15-Year vs. 30-Year Mortgage in Williamstown
Choosing a 15-year mortgage in Williamstown at 6.01% instead of a 30-year at 6.78% would save you $70,380 in total interest over the life of the loan. However, your monthly payment would be $723 instead of $557 — an increase of $166 per month.
Calculate Your Williamstown 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 Williamstown
What are the current mortgage rates in Williamstown, WV?
As of March 2026, the average 30-year fixed mortgage rate in Williamstown, West Virginia is 6.78%, while the 15-year fixed rate is 6.01%. FHA loans average 6.52% and VA loans 6.27%. These rates are 0.13% above the national average of 6.65%.
How much is a monthly mortgage payment in Williamstown?
Based on the median home price of $107,000 with 20% down, the estimated monthly mortgage payment in Williamstown is $557 for principal and interest. Including property taxes of $50/month, the total monthly housing cost is approximately $607.
What income do I need to buy a home in Williamstown?
Using the 28% rule, you would need an annual income of approximately $26,014 to afford the median-priced home in Williamstown at $107,000. The median household income in Williamstown is $45,100. The median income is currently sufficient to meet this threshold.
Is Williamstown a good place to buy a home in 2026?
Williamstown offers a below-average cost of living with a cost of living index of 74.1 (national average = 100). The property tax rate in West Virginia is 0.56%, which is below the national average. Williamstown has a population of 2,952 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 Williamstown, West Virginia area. Individual rates may vary by lender, credit score, loan amount, and other factors. Use our free calculator for a personalized estimate.