Total monthly cost of ownership
Cost to Own a Home in Sophia, West Virginia
A $113,000 home here costs
$1,007per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $581. The real number is $426 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.
Sophia against Raleigh County and West Virginia
| Measure | Sophia | Raleigh County |
|---|---|---|
| Median home value | $112,900 | $142,600 |
| Median property tax | $644 | $733 |
| Effective tax rate | 0.570% | 0.514% |
| Median gross rent | $782 | $847 |
| Population | 1,654 | 73,666 |
The weather behind that power bill
Sophia sits in Raleigh County, which averages a high of 79.1°F in its hottest month and a low of 19.3°F in its coldest, with 43.36" of precipitation a year and 32% of it in a single three-month stretch. That climate drives 351 cooling and 5,904 heating degree days, which is what sets the $151 electricity line above.
See the full climate breakdown for Raleigh County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Raleigh County
Full Raleigh County cost breakdown · Every county in West Virginia
Common questions
How much does it cost to own a home in Sophia?
A $113,000 home in Sophia, West Virginia costs approximately $1,007 per month with 20% down at 6.66%. That is $581 principal and interest, $54 property tax, $60 homeowners insurance, $219 utilities and $94 set aside for maintenance.
What is the property tax rate in Sophia?
Sophia has an effective property tax rate of 0.570%, based on a median home value of $112,900 and median real estate taxes of $644. That is higher than the Raleigh County average of 0.514%.
What is the average home price in Sophia?
The median owner-occupied home value in Sophia, West Virginia is $112,900, against $142,600 across Raleigh County.
Is it cheaper to rent or buy in Sophia?
Median gross rent in Sophia is $782 a month, against $1,007 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 Sophia — 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.