Total monthly cost of ownership
Cost to Own a Home in Keyser, West Virginia
A $141,000 home here costs
$1,200per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $725. The real number is $475 higher every month — 66% 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.
Keyser against Mineral County and West Virginia
| Measure | Keyser | Mineral County |
|---|---|---|
| Median home value | $141,400 | $180,400 |
| Median property tax | $772 | $838 |
| Effective tax rate | 0.546% | 0.465% |
| Median gross rent | $631 | $684 |
| Population | 4,870 | 26,922 |
The weather behind that power bill
Keyser sits in Mineral County, which averages a high of 88.6°F in its hottest month and a low of 20.7°F in its coldest, with 41.4" of precipitation a year and 31% of it in a single three-month stretch. That climate drives 907 cooling and 5,421 heating degree days, which is what sets the $151 electricity line above.
See the full climate breakdown for Mineral County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Mineral County
Full Mineral County cost breakdown · Every county in West Virginia
Common questions
How much does it cost to own a home in Keyser?
A $141,000 home in Keyser, West Virginia costs approximately $1,200 per month with 20% down at 6.66%. That is $725 principal and interest, $64 property tax, $74 homeowners insurance, $219 utilities and $118 set aside for maintenance.
What is the property tax rate in Keyser?
Keyser has an effective property tax rate of 0.546%, based on a median home value of $141,400 and median real estate taxes of $772. That is higher than the Mineral County average of 0.465%.
What is the average home price in Keyser?
The median owner-occupied home value in Keyser, West Virginia is $141,400, against $180,400 across Mineral County.
Is it cheaper to rent or buy in Keyser?
Median gross rent in Keyser is $631 a month, against $1,200 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 Keyser — 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.