CALCMONEY // MORTGAGE // WV // CHARLESTON
Calculate your monthly mortgage payment using Charleston-specific property tax rates and local market data.
$165,000
6.95%
0.57%
80
| Principal & Interest | $874 |
| Property Tax | $78 |
| Homeowners Insurance (est.) | $55 |
| Total Monthly Payment (PITI) | $1,007 |
$33,000
$182,558
$43,163/yr
Buying the median home in Charleston means financing $165,000. Against the area's $52,000 median household income, that works out to a 3.2x price-to-income ratio.
Factor in $78/month for property tax in Charleston, based on the area's 0.57% effective rate applied to the median home price. That's $940 annually.
Unlike the nine no-income-tax states, West Virginia taxes wage income. Worth running your actual take-home pay against the $1,007/month payment here before locking in a target price.
Day-to-day expenses in Charleston track at 80 against the national 100 baseline, below average once you look past the mortgage payment itself.
Charleston's median home price runs 14% higher than nearby Huntington: $145,000 there versus $165,000 here.
Once you have your payment estimate, comparing lenders is the most important step. A 0.25% rate difference on a $132,000 loan saves $5,940 in interest over 30 years.
Compare Top Charleston Mortgage LendersHuntington
$145,000 median
WVParkersburg
$155,000 median
WVMorgantown
$245,000 median
WVWheeling
$130,000 median