Total monthly cost of ownership
Cost to Own a Home in Moundsville, West Virginia
A $109,000 home here costs
$968per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $560. The real number is $408 higher every month — 73% 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.
Moundsville against Marshall County and West Virginia
| Measure | Moundsville | Marshall County |
|---|---|---|
| Median home value | $108,500 | $139,800 |
| Median property tax | $483 | $637 |
| Effective tax rate | 0.445% | 0.456% |
| Median gross rent | $801 | $823 |
| Population | 7,934 | 30,129 |
The weather behind that power bill
Moundsville 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 $151 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
Common questions
How much does it cost to own a home in Moundsville?
A $109,000 home in Moundsville, West Virginia costs approximately $968 per month with 20% down at 6.66%. That is $560 principal and interest, $40 property tax, $57 homeowners insurance, $219 utilities and $91 set aside for maintenance.
What is the property tax rate in Moundsville?
Moundsville has an effective property tax rate of 0.445%, based on a median home value of $108,500 and median real estate taxes of $483. That is lower than the Marshall County average of 0.456%.
What is the average home price in Moundsville?
The median owner-occupied home value in Moundsville, West Virginia is $108,500, against $139,800 across Marshall County.
Is it cheaper to rent or buy in Moundsville?
Median gross rent in Moundsville is $801 a month, against $968 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 Moundsville — 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.