Local costs · West Virginia
What a home costs across West Virginia
Property-tax rates, insurance, and closing costs vary widely by county. Below are the state-wide rules that apply everywhere in West Virginia, then every county with its own tax rate and insurance range.
Statewide facts
- Home insurance average
- About $1,113 per year for a standard HO-3 policy (NAIC 2022 state average). Individual counties run above or below this based on local hazard risk — see the table below.
- Transfer & recording tax
- West Virginia excise tax (state + typical county): 0.44% of price — seller customarily paysOn the $170,800 state median home, the buyer’s customary share is about $0; the seller customarily covers about $752.
- Title insurance
- West Virginia uses competitive (filed) rates. Rates are competitive rather than state-set, so we model title and settlement from a national declining-rate curve calibrated to published costs.
- State income tax
- West Virginia income tax is modeled at about 3.79% effective for a married household at $100,000 (3.89% filing single). These are modeled effective rates from Tax Foundation 2026 brackets.
All 55 counties in West Virginia
Effective property-tax rate (Census ACS) and a typical annual insurance range at the state median home value. Select a county for the full breakdown.
| County | Property tax | Insurance / yr |
|---|---|---|
| Barbour County | 0.43% | $790–$1,770typical $1,220 |
| Berkeley County | 0.53% | $1,020–$2,280typical $1,570 |
| Boone County | 0.67% | $700–$1,550typical $1,070 |
| Braxton County | 0.45% | $670–$1,490typical $1,030 |
| Brooke County | 0.53% | $770–$1,710typical $1,180 |
| Cabell County | 0.60% | $650–$1,450typical $1,000 |
| Calhoun County | 0.42% | $680–$1,520typical $1,050 |
| Clay County | 0.35% | $570–$1,280typical $880 |
| Doddridge County | 0.50% | $740–$1,650typical $1,140 |
| Fayette County | 0.64% | $590–$1,310typical $900 |
| Gilmer County | 0.49% | $700–$1,550typical $1,070 |
| Grant County | 0.31% | $930–$2,070typical $1,430 |
| Greenbrier County | 0.45% | $620–$1,390typical $960 |
| Hampshire County | 0.38% | $880–$1,970typical $1,360 |
| Hancock County | 0.63% | $790–$1,770typical $1,220 |
| Hardy County | 0.35% | $1,000–$2,230typical $1,540 |
| Harrison County | 0.55% | $750–$1,680typical $1,160 |
| Jackson County | 0.53% | $670–$1,490typical $1,030 |
| Jefferson County | 0.53% | $850–$1,890typical $1,300 |
| Kanawha County | 0.65% | $620–$1,390typical $960 |
| Lewis County | 0.46% | $660–$1,480typical $1,020 |
| Lincoln County | 0.51% | $790–$1,770typical $1,220 |
| Logan County | 0.56% | $820–$1,830typical $1,260 |
| Marion County | 0.59% | $760–$1,700typical $1,170 |
| Marshall County | 0.45% | $770–$1,730typical $1,190 |
| Mason County | 0.59% | $650–$1,450typical $1,000 |
| McDowell County | 0.67% | $720–$1,610typical $1,110 |
| Mercer County | 0.54% | $540–$1,200typical $830 |
| Mineral County | 0.45% | $750–$1,680typical $1,160 |
| Mingo County | 0.47% | $860–$1,930typical $1,330 |
| Monongalia County | 0.47% | $670–$1,490typical $1,030 |
| Monroe County | 0.46% | $620–$1,380typical $950 |
| Morgan County | 0.47% | $880–$1,970typical $1,360 |
| Nicholas County | 0.46% | $600–$1,350typical $930 |
| Ohio County | 0.60% | $760–$1,700typical $1,170 |
| Pendleton County | 0.34% | $900–$2,000typical $1,380 |
| Pleasants County | 0.54% | $870–$1,940typical $1,340 |
| Pocahontas County | 0.30% | $700–$1,570typical $1,080 |
| Preston County | 0.49% | $740–$1,650typical $1,140 |
| Putnam County | 0.59% | $600–$1,350typical $930 |
| Raleigh County | 0.50% | $630–$1,410typical $970 |
| Randolph County | 0.39% | $680–$1,520typical $1,050 |
| Ritchie County | 0.66% | $790–$1,770typical $1,220 |
| Roane County | 0.44% | $700–$1,550typical $1,070 |
| Summers County | 0.31% | $640–$1,420typical $980 |
| Taylor County | 0.54% | $900–$2,020typical $1,390 |
| Tucker County | 0.37% | $850–$1,890typical $1,300 |
| Tyler County | 0.57% | $840–$1,870typical $1,290 |
| Upshur County | 0.42% | $680–$1,510typical $1,040 |
| Wayne County | 0.47% | $730–$1,640typical $1,130 |
| Webster County | 0.40% | $640–$1,440typical $990 |
| Wetzel County | 0.67% | $790–$1,770typical $1,220 |
| Wirt County | 0.52% | $790–$1,770typical $1,220 |
| Wood County | 0.59% | $620–$1,390typical $960 |
| Wyoming County | 0.45% | $780–$1,740typical $1,200 |
* Property-tax rate is approximate because the county’s Census median is top-coded.
How these numbers are built
Every figure comes from public data or our own math: Census ACS property taxes, NAIC insurance averages scaled by FEMA risk, and researched transfer-tax and title schedules.
Estimates, not advice. See the methodology for sources, vintages, and the honest gaps.