Total monthly cost of ownership
Cost to Own a Home in Poca, West Virginia
A $179,000 home here costs
$1,475per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $920. The real number is $555 higher every month — 60% 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.
Poca against Putnam County and West Virginia
| Measure | Poca | Putnam County |
|---|---|---|
| Median home value | $178,500 | $214,200 |
| Median property tax | $1,105 | $1,235 |
| Effective tax rate | 0.619% | 0.577% |
| Median gross rent | — | $975 |
| Population | 1,056 | 57,250 |
The weather behind that power bill
Poca sits in Putnam County, which averages a high of 87.0°F in its hottest month and a low of 24.0°F in its coldest, with 39.48" of precipitation a year and 30% of it in a single three-month stretch. That climate drives 1,154 cooling and 4,568 heating degree days, which is what sets the $151 electricity line above.
See the full climate breakdown for Putnam County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Putnam County
Full Putnam County cost breakdown · Every county in West Virginia
Common questions
How much does it cost to own a home in Poca?
A $179,000 home in Poca, West Virginia costs approximately $1,475 per month with 20% down at 6.66%. That is $920 principal and interest, $92 property tax, $94 homeowners insurance, $219 utilities and $149 set aside for maintenance.
What is the property tax rate in Poca?
Poca has an effective property tax rate of 0.619%, based on a median home value of $178,500 and median real estate taxes of $1,105. That is higher than the Putnam County average of 0.577%.
What is the average home price in Poca?
The median owner-occupied home value in Poca, West Virginia is $178,500, against $214,200 across Putnam County.
Is it cheaper to rent or buy in Poca?
Rent data is not published for Poca at this level of detail.
Sources & methodology
- Median home value, real estate taxes, gross rent and population for Poca — 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.