Total monthly cost of ownership
Cost to Own a Home in Stonewood, West Virginia
A $149,000 home here costs
$1,328per month, all in, with 20% down at today's 7.32% 30-year fixed rate. By the 28% rule that takes a household income of about $57,000 a year.
A standard mortgage calculator would have told you $819. The real number is $509 higher every month, 62% more than the payment most buyers budget for.
Compare Harrison County with anywhere in America · full county breakdown
Small-place caveat: the Census publishes these figures for Stonewood from a five-year rolling sample, and with about 2,273 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 Harrison 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.
Stonewood against Harrison County and West Virginia
| Measure | Stonewood | Harrison County |
|---|---|---|
| Median home value | $149,400 | $158,500 |
| Median property tax | $851 | $872 |
| Effective tax rate | 0.570% | 0.550% |
| Median gross rent | $929 | $848 |
| Population | 2,273 | 65,407 |
The weather behind that power bill
Stonewood 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 $168 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
Talk to someone who works this market
These are Stonewood 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 Stonewood every week. Free, no obligation, and we never sell your details to a list.
I'm looking to buy in Stonewood I already own here and may sell
Common questions
How much does it cost to own a home in Stonewood?
A $149,000 home in Stonewood, West Virginia costs approximately $1,328 per month with 20% down at 7.32%. That is $819 principal and interest, $71 property tax, $78 homeowners insurance, $236 utilities and $124 set aside for maintenance.
What is the property tax rate in Stonewood?
Stonewood has an effective property tax rate of 0.570%, based on a median home value of $149,400 and median real estate taxes of $851. That is higher than the Harrison County average of 0.550%.
What is the average home price in Stonewood?
The median owner-occupied home value in Stonewood, West Virginia is $149,400, against $158,500 across Harrison County.
Is it cheaper to rent or buy in Stonewood?
Median gross rent in Stonewood is $929 a month, against $1,328 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 Stonewood?
Using the standard 28% rule, housing costs at no more than 28% of gross income, buying the median home in Stonewood, West Virginia at today's rate takes a household income of roughly $57,000 a year. That covers the full $1,328 monthly cost, not just the mortgage payment.
Sources & methodology
- Median home value, real estate taxes, gross rent and population for Stonewood, 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.