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West Virginia Mortgage Calculator

Calculate your West Virginia mortgage payment with state-specific property tax rates (0.57% average), income tax (3% - 5.12%), and 2026 conforming loan limits.

West Virginia-Specific Inputs

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West Virginia Property Tax

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WV average: 0.57%

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Other costs

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West Virginia Mortgage Overview

West Virginia has the lowest median home prices after Mississippi.

2026 Conforming Loan Limits

  • Single-family: $806,500
  • Two-unit: $1,032,320
  • Three-unit: $1,250,075
  • Four-unit: $1,548,480

Counties with high housing costs can see limits up to $1,209,750.

West Virginia Income Tax Rates (2026)

West Virginia has a state income tax with rates of 3% - 5.12%.

The paycheck calculator shows your net pay.

West Virginia Property Tax

West Virginia's typical property tax rate sits at 0.57%. Check with your county tax office for the exact rate where you live.

First-Time Homebuyer Programs

West Virginia Housing Development Fund offers down payment assistance and favorable loan terms for qualifying first-time buyers in West Virginia.

Details on their website.

West Virginia Mortgage FAQ

What is the average property tax rate in West Virginia?

Rates vary by county.

What is the income tax in West Virginia?

The paycheck calculator shows your net pay.

What are West Virginia's conforming loan limits for 2026?

Above this, it is a jumbo loan.

Are there first-time homebuyer programs in West Virginia?

Details on their website.

How much do I need for a down payment in West Virginia?

Down payments start at 3% (conventional) or 3.5% (FHA). VA/USDA need zero.

Related resources

National Mortgage Calculator → WV Paycheck Calculator → Affordability Calculator → Down Payment Calculator → All State Calculators → How Much House Can I Afford? →