Total monthly cost of ownership
Cost to Own a Home in Belle, West Virginia
A $103,000 home here costs
$947per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $530. The real number is $418 higher every month — 79% more than the payment most buyers budget for.
Where every dollar goes
Only the first line is a mortgage payment. Change any assumption above and every figure below recalculates.
Belle against Kanawha County and West Virginia
| Measure | Belle | Kanawha County |
|---|---|---|
| Median home value | $103,000 | $135,000 |
| Median property tax | $704 | $922 |
| Effective tax rate | 0.683% | 0.683% |
| Median gross rent | $896 | $879 |
| Population | 1,537 | 178,198 |
The weather behind that power bill
Belle sits in Kanawha County, which averages a high of 86.0°F in its hottest month and a low of 26.1°F in its coldest, with 46.24" of precipitation a year and 33% of it in a single three-month stretch. That climate drives 1,162 cooling and 4,353 heating degree days, which is what sets the $151 electricity line above.
See the full climate breakdown for Kanawha County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Kanawha County
Full Kanawha County cost breakdown · Every county in West Virginia
Common questions
How much does it cost to own a home in Belle?
A $103,000 home in Belle, West Virginia costs approximately $947 per month with 20% down at 6.66%. That is $530 principal and interest, $59 property tax, $54 homeowners insurance, $219 utilities and $86 set aside for maintenance.
What is the property tax rate in Belle?
Belle has an effective property tax rate of 0.683%, based on a median home value of $103,000 and median real estate taxes of $704. That is in line with the Kanawha County average of 0.683%.
What is the average home price in Belle?
The median owner-occupied home value in Belle, West Virginia is $103,000, against $135,000 across Kanawha County.
Is it cheaper to rent or buy in Belle?
Median gross rent in Belle is $896 a month, against $947 to own the median home all in. Renting costs less month to month here, though renting builds no equity.
Sources & methodology
- Median home value, real estate taxes, gross rent and population for Belle — US Census Bureau, American Community Survey ACS 2023 5-Year, place-level tables.
- Homeowners insurance — NAIC average premium for West Virginia.
- Electricity price — EIA Electric Power Monthly Table 5.6.A.
- Mortgage rate — Freddie Mac PMMS, refreshed weekly.
- Maintenance (1%/yr) and water and sewer ($68/mo) are national estimates. Every assumption above is editable.