Total monthly cost of ownership
Cost to Own a Home in Stonewood, West Virginia
A $149,000 home here costs
$1,258per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $766. The real number is $492 higher every month — 64% 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.
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 $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 Stonewood?
A $149,000 home in Stonewood, West Virginia costs approximately $1,258 per month with 20% down at 6.66%. That is $766 principal and interest, $71 property tax, $78 homeowners insurance, $219 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 $1,258 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 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.