Total monthly cost of ownership
Cost to Own a Home in Mount Gay-Shamrock, West Virginia
A $81,000 home here costs
$782per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $416. The real number is $366 higher every month — 88% 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.
Mount Gay-Shamrock against Logan County and West Virginia
| Measure | Mount Gay-Shamrock | Logan County |
|---|---|---|
| Median home value | $81,400 | $101,500 |
| Median property tax | $441 | $591 |
| Effective tax rate | 0.542% | 0.582% |
| Median gross rent | $598 | $704 |
| Population | 1,440 | 31,826 |
The weather behind that power bill
Mount Gay-Shamrock sits in Logan County, which averages a high of 88.6°F in its hottest month and a low of 26.6°F in its coldest, with 49.24" of precipitation a year and 33% of it in a single three-month stretch. That climate drives 1,420 cooling and 4,139 heating degree days, which is what sets the $151 electricity line above.
See the full climate breakdown for Logan County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Logan County
Full Logan County cost breakdown · Every county in West Virginia
Common questions
How much does it cost to own a home in Mount Gay-Shamrock?
A $81,000 home in Mount Gay-Shamrock, West Virginia costs approximately $782 per month with 20% down at 6.66%. That is $416 principal and interest, $37 property tax, $43 homeowners insurance, $219 utilities and $68 set aside for maintenance.
What is the property tax rate in Mount Gay-Shamrock?
Mount Gay-Shamrock has an effective property tax rate of 0.542%, based on a median home value of $81,400 and median real estate taxes of $441. That is lower than the Logan County average of 0.582%.
What is the average home price in Mount Gay-Shamrock?
The median owner-occupied home value in Mount Gay-Shamrock, West Virginia is $81,400, against $101,500 across Logan County.
Is it cheaper to rent or buy in Mount Gay-Shamrock?
Median gross rent in Mount Gay-Shamrock is $598 a month, against $782 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 Mount Gay-Shamrock — 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.