West Virginia Home Buying Guide
South Region · Non-Judicial Foreclosure State
Key Facts at a Glance
What Makes West Virginia Unique
Second-lowest median home prices after Mississippi
Very low property taxes
USDA loans available across most of the state
First-Time Buyer Programs in West Virginia
WVHDF Homeownership Program
Contact your state housing finance agency for current eligibility and rates
WVHDF Movin' Up Program
Contact your state housing finance agency for current eligibility and rates
USDA Rural Development
Contact your state housing finance agency for current eligibility and rates
Program availability, income limits, and interest rates change frequently. Verify current terms with your lender or state housing finance agency.
Closing Costs in West Virginia
Attorney at Closing
Attorney Required at Closing
West Virginia requires a licensed real estate attorney to oversee the closing process. Budget $500–$1,500 for attorney fees.
Local Tips for West Virginia Buyers
Outstanding affordability — one of the best nationally.
Most of WV qualifies for USDA zero-down loans.
Homestead exemption provides $20,000 assessed value reduction.
Estimated Annual Ownership Cost in West Virginia
Based on the median home price of $155,000 with a 10% down payment and 7% mortgage rate.
Ready to Calculate Your Numbers?
Use our free calculators to estimate your monthly payment, affordability, and closing costs in West Virginia.