Total monthly cost of ownership
Cost to Own a Home in Shinnston, West Virginia
A $136,000 home here costs
$1,168per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $699. The real number is $468 higher every month — 67% 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.
Shinnston against Harrison County and West Virginia
| Measure | Shinnston | Harrison County |
|---|---|---|
| Median home value | $135,500 | $158,500 |
| Median property tax | $770 | $872 |
| Effective tax rate | 0.568% | 0.550% |
| Median gross rent | $940 | $848 |
| Population | 2,198 | 65,407 |
The weather behind that power bill
Shinnston sits in Harrison County, which averages a high of 85.1°F in its hottest month and a low of 21.7°F in its coldest, with 48.24" of precipitation a year and 31% of it in a single three-month stretch. That climate drives 892 cooling and 5,291 heating degree days, which is what sets the $151 electricity line above.
See the full climate breakdown for Harrison County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Harrison County
Full Harrison County cost breakdown · Every county in West Virginia
Common questions
How much does it cost to own a home in Shinnston?
A $136,000 home in Shinnston, West Virginia costs approximately $1,168 per month with 20% down at 6.66%. That is $699 principal and interest, $64 property tax, $72 homeowners insurance, $219 utilities and $113 set aside for maintenance.
What is the property tax rate in Shinnston?
Shinnston has an effective property tax rate of 0.568%, based on a median home value of $135,500 and median real estate taxes of $770. That is higher than the Harrison County average of 0.550%.
What is the average home price in Shinnston?
The median owner-occupied home value in Shinnston, West Virginia is $135,500, against $158,500 across Harrison County.
Is it cheaper to rent or buy in Shinnston?
Median gross rent in Shinnston is $940 a month, against $1,168 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 Shinnston — 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.