Total monthly cost of ownership
Cost to Own a Home in Wellsburg, West Virginia
A $97,000 home here costs
$896per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $499. The real number is $397 higher every month — 80% 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.
Wellsburg against Brooke County and West Virginia
| Measure | Wellsburg | Brooke County |
|---|---|---|
| Median home value | $97,200 | $127,700 |
| Median property tax | $556 | $690 |
| Effective tax rate | 0.572% | 0.540% |
| Median gross rent | $569 | $603 |
| Population | 2,364 | 22,053 |
The weather behind that power bill
Wellsburg sits in Brooke County, which averages a high of 82.9°F in its hottest month and a low of 22.3°F in its coldest, with 37.55" of precipitation a year and 31% of it in a single three-month stretch. That climate drives 782 cooling and 5,419 heating degree days, which is what sets the $151 electricity line above.
See the full climate breakdown for Brooke County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Brooke County
Full Brooke County cost breakdown · Every county in West Virginia
Common questions
How much does it cost to own a home in Wellsburg?
A $97,000 home in Wellsburg, West Virginia costs approximately $896 per month with 20% down at 6.66%. That is $499 principal and interest, $46 property tax, $51 homeowners insurance, $219 utilities and $81 set aside for maintenance.
What is the property tax rate in Wellsburg?
Wellsburg has an effective property tax rate of 0.572%, based on a median home value of $97,200 and median real estate taxes of $556. That is higher than the Brooke County average of 0.540%.
What is the average home price in Wellsburg?
The median owner-occupied home value in Wellsburg, West Virginia is $97,200, against $127,700 across Brooke County.
Is it cheaper to rent or buy in Wellsburg?
Median gross rent in Wellsburg is $569 a month, against $896 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 Wellsburg — 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.