Total monthly cost of ownership
Cost to Own a Home in McMechen, West Virginia
A $90,000 home here costs
$900per month, all in, with 20% down at today's 7.24% 30-year fixed rate. By the 28% rule that takes a household income of about $38,500 a year.
A standard mortgage calculator would have told you $491. The real number is $409 higher every month, 83% more than the payment most buyers budget for.
Compare Marshall County with anywhere in America · full county breakdown
Small-place caveat: the Census publishes these figures for McMechen from a five-year rolling sample, and with about 1,735 residents that sample is small. The median home value here carries a much wider margin of error than a big-city figure does, so treat it as indicative rather than exact. The Marshall County figures are drawn from a far larger sample if you want a steadier number.
Where every dollar goes
Only the first line is a mortgage payment. Change any assumption above and every figure below recalculates.
McMechen against Marshall County and West Virginia
| Measure | McMechen | Marshall County |
|---|---|---|
| Median home value | $89,500 | $139,800 |
| Median property tax | $614 | $637 |
| Effective tax rate | 0.686% | 0.456% |
| Median gross rent | $562 | $823 |
| Population | 1,735 | 30,129 |
The weather behind that power bill
McMechen sits in Marshall County, which averages a high of 85.8°F in its hottest month and a low of 19.7°F in its coldest, with 46.13" of precipitation a year and 30% of it in a single three-month stretch. That climate drives 861 cooling and 5,428 heating degree days, which is what sets the $168 electricity line above.
See the full climate breakdown for Marshall County , month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Marshall County
Full Marshall County cost breakdown · Every county in West Virginia
Talk to someone who works this market
These are McMechen averages. What one specific house costs to own, or what it would sell for today, depends on the street and the condition of the place. We will connect you with one licensed local agent who works McMechen every week. Free, no obligation, and we never sell your details to a list.
I'm looking to buy in McMechen I already own here and may sell
Common questions
How much does it cost to own a home in McMechen?
A $90,000 home in McMechen, West Virginia costs approximately $900 per month with 20% down at 7.24%. That is $491 principal and interest, $51 property tax, $47 homeowners insurance, $236 utilities and $75 set aside for maintenance.
What is the property tax rate in McMechen?
McMechen has an effective property tax rate of 0.686%, based on a median home value of $89,500 and median real estate taxes of $614. That is higher than the Marshall County average of 0.456%.
What is the average home price in McMechen?
The median owner-occupied home value in McMechen, West Virginia is $89,500, against $139,800 across Marshall County.
Is it cheaper to rent or buy in McMechen?
Median gross rent in McMechen is $562 a month, against $900 to own the median home all in. Renting costs less month to month here, though renting builds no equity.
What salary do you need to buy a home in McMechen?
Using the standard 28% rule, housing costs at no more than 28% of gross income, buying the median home in McMechen, West Virginia at today's rate takes a household income of roughly $38,500 a year. That covers the full $900 monthly cost, not just the mortgage payment.
Sources & methodology
- Median home value, real estate taxes, gross rent and population for McMechen, 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.