Total monthly cost of ownership
Cost to Own a Home in St. Marys, West Virginia
A $129,000 home here costs
$1,119per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $663. The real number is $456 higher every month — 69% 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.
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 $151 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
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 $1,119 per month with 20% down at 6.66%. That is $663 principal and interest, $61 property tax, $68 homeowners insurance, $219 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 $1,119 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 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.