Total monthly cost of ownership
Cost to Own a Home in St. Marys, West Virginia
A $129,000 home here costs
$1,176per month, all in, with 20% down at today's 7.24% 30-year fixed rate. By the 28% rule that takes a household income of about $50,500 a year.
A standard mortgage calculator would have told you $703. The real number is $472 higher every month, 67% more than the payment most buyers budget for.
Compare Pleasants County with anywhere in America · full county breakdown
Small-place caveat: the Census publishes these figures for St. Marys from a five-year rolling sample, and with about 2,178 residents that sample is small. The median home value here carries a much wider margin of error than a big-city figure does, so treat it as indicative rather than exact. The Pleasants County figures are drawn from a far larger sample if you want a steadier number.
Where every dollar goes
Only the first line is a mortgage payment. Change any assumption above and every figure below recalculates.
St. Marys against Pleasants County and West Virginia
| Measure | St. Marys | Pleasants County |
|---|---|---|
| Median home value | $129,400 | $129,300 |
| Median property tax | $738 | $752 |
| Effective tax rate | 0.570% | 0.582% |
| Median gross rent | $467 | $700 |
| Population | 2,178 | 7,572 |
The weather behind that power bill
St. Marys sits in Pleasants County, which averages a high of 84.3°F in its hottest month and a low of 21.6°F in its coldest, with 45.4" of precipitation a year and 31% of it in a single three-month stretch. That climate drives 902 cooling and 5,218 heating degree days, which is what sets the $168 electricity line above.
See the full climate breakdown for Pleasants County , month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Pleasants County
No other places of this size are published in Pleasants County.
Full Pleasants County cost breakdown · Every county in West Virginia
Talk to someone who works this market
These are St. Marys averages. What one specific house costs to own, or what it would sell for today, depends on the street and the condition of the place. We will connect you with one licensed local agent who works St. Marys every week. Free, no obligation, and we never sell your details to a list.
I'm looking to buy in St. Marys I already own here and may sell
Common questions
How much does it cost to own a home in St. Marys?
A $129,000 home in St. Marys, West Virginia costs approximately $1,176 per month with 20% down at 7.24%. That is $703 principal and interest, $61 property tax, $68 homeowners insurance, $236 utilities and $108 set aside for maintenance.
What is the property tax rate in St. Marys?
St. Marys has an effective property tax rate of 0.570%, based on a median home value of $129,400 and median real estate taxes of $738. That is lower than the Pleasants County average of 0.582%.
What is the average home price in St. Marys?
The median owner-occupied home value in St. Marys, West Virginia is $129,400, against $129,300 across Pleasants County.
Is it cheaper to rent or buy in St. Marys?
Median gross rent in St. Marys is $467 a month, against $1,176 to own the median home all in. Renting costs less month to month here, though renting builds no equity.
What salary do you need to buy a home in St. Marys?
Using the standard 28% rule, housing costs at no more than 28% of gross income, buying the median home in St. Marys, West Virginia at today's rate takes a household income of roughly $50,500 a year. That covers the full $1,176 monthly cost, not just the mortgage payment.
Sources & methodology
- Median home value, real estate taxes, gross rent and population for St. Marys, 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.