In West Virginia, the effective property-tax rate averages about 0.57% of home value. On the state's median-priced home ($165,000) with 20% down at 6.85%, the all-in monthly payment is roughly $991.53 including taxes and insurance.
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| Year | Principal paid | Interest paid | Ending balance |
|---|---|---|---|
| 1 | $1,380 | $8,999 | $130,620 |
| 2 | $1,478 | $8,902 | $129,142 |
| 3 | $1,582 | $8,797 | $127,560 |
| 4 | $1,694 | $8,685 | $125,866 |
| 5 | $1,814 | $8,566 | $124,053 |
| 6 | $1,942 | $8,437 | $122,111 |
| 7 | $2,079 | $8,300 | $120,032 |
| 8 | $2,226 | $8,153 | $117,805 |
| 9 | $2,384 | $7,996 | $115,422 |
| 10 | $2,552 | $7,827 | $112,870 |
| 11 | $2,732 | $7,647 | $110,137 |
| 12 | $2,926 | $7,454 | $107,212 |
| 13 | $3,132 | $7,247 | $104,079 |
| 14 | $3,354 | $7,025 | $100,726 |
| 15 | $3,591 | $6,788 | $97,135 |
| 16 | $3,845 | $6,535 | $93,290 |
| 17 | $4,117 | $6,263 | $89,173 |
| 18 | $4,408 | $5,972 | $84,766 |
| 19 | $4,719 | $5,660 | $80,047 |
| 20 | $5,053 | $5,327 | $74,994 |
| 21 | $5,410 | $4,969 | $69,584 |
| 22 | $5,792 | $4,587 | $63,791 |
| 23 | $6,202 | $4,177 | $57,590 |
| 24 | $6,640 | $3,739 | $50,949 |
| 25 | $7,110 | $3,270 | $43,840 |
| 26 | $7,612 | $2,767 | $36,227 |
| 27 | $8,150 | $2,229 | $28,077 |
| 28 | $8,727 | $1,653 | $19,350 |
| 29 | $9,344 | $1,036 | $10,007 |
| 30 | $10,007 | $375 | $0 |
West Virginia's effective property-tax rate averages about 0.57% of a home's value — roughly $941 per year on a $165,000 home. Actual bills vary by county and assessment.
On the median West Virginia home ($165,000) with 20% down at 6.85%, the full payment is about $991.53 including principal, interest, property tax, and insurance.
Rates are set nationally by market conditions and your credit, not by state, but closing costs, property taxes, and insurance — which shape your real monthly cost — vary significantly by state.
Sources: Freddie Mac Primary Mortgage Market Survey; Tax Foundation — Property Taxes by State; Consumer Financial Protection Bureau.
Estimates for educational purposes only — not a loan offer, financial advice, or a commitment to lend. Actual rates, payments, and terms vary by lender and creditworthiness.