Ranked from ACS 2023 5-Year
Cheapest Counties to Own a Home Outright in West Virginia
Paying off a mortgage does not end the cost of a house. This ranks counties by what the median home still costs every month with no loan at all: property tax, insurance, electricity, water and maintenance. Nowhere in America is it zero.
Where does yours land?
Every county in America is somewhere on this scale, including the one you live in.
West Virginia ranked
| # | County | Monthly if paid off | Median home | Effective rate |
|---|---|---|---|---|
| 1 | McDowell County | $320 | $49,200 | 0.565% |
| 2 | Webster County | $361 | $78,000 | 0.388% |
| 3 | Wyoming County | $365 | $78,400 | 0.439% |
| 4 | Mingo County | $378 | $85,600 | 0.437% |
| 5 | Gilmer County | $379 | $83,300 | 0.507% |
| 6 | Boone County | $402 | $90,300 | 0.650% |
| 7 | Clay County | $407 | $107,100 | 0.345% |
| 8 | Lincoln County | $412 | $103,400 | 0.478% |
| 9 | Braxton County | $415 | $106,400 | 0.450% |
| 10 | Logan County | $417 | $101,500 | 0.582% |
| 11 | Calhoun County | $418 | $111,200 | 0.397% |
| 12 | Wetzel County | $425 | $102,800 | 0.646% |
| 13 | Fayette County | $429 | $104,200 | 0.662% |
| 14 | Nicholas County | $431 | $114,200 | 0.482% |
| 15 | Summers County | $434 | $126,100 | 0.305% |
| 16 | Wirt County | $434 | $112,800 | 0.534% |
| 17 | Ritchie County | $435 | $107,800 | 0.649% |
| 18 | Tyler County | $435 | $112,100 | 0.563% |
| 19 | Roane County | $440 | $121,100 | 0.444% |
| 20 | Mercer County | $440 | $118,600 | 0.497% |
| 21 | Barbour County | $446 | $126,000 | 0.427% |
| 22 | Wayne County | $449 | $124,900 | 0.472% |
| 23 | Hancock County | $455 | $119,600 | 0.629% |
| 24 | Pocahontas County | $456 | $139,400 | 0.315% |
| 25 | Mason County | $460 | $127,400 | 0.535% |
| 26 | Brooke County | $461 | $127,700 | 0.540% |
| 27 | Randolph County | $462 | $137,800 | 0.391% |
| 28 | Lewis County | $468 | $135,800 | 0.471% |
| 29 | Pleasants County | $469 | $129,300 | 0.582% |
| 30 | Greenbrier County | $469 | $136,300 | 0.470% |
| 31 | Tucker County | $469 | $144,700 | 0.353% |
| 32 | Marshall County | $473 | $139,800 | 0.456% |
| 33 | Raleigh County | $485 | $142,600 | 0.514% |
| 34 | Monroe County | $487 | $146,100 | 0.478% |
| 35 | Taylor County | $489 | $144,000 | 0.527% |
| 36 | Kanawha County | $490 | $135,000 | 0.683% |
| 37 | Hardy County | $496 | $159,700 | 0.367% |
| 38 | Grant County | $504 | $167,500 | 0.331% |
| 39 | Preston County | $507 | $157,700 | 0.474% |
| 40 | Upshur County | $507 | $160,700 | 0.436% |
| 41 | Doddridge County | $510 | $160,000 | 0.470% |
| 42 | Jackson County | $513 | $154,600 | 0.563% |
| 43 | Wood County | $518 | $153,700 | 0.614% |
| 44 | Harrison County | $518 | $158,500 | 0.550% |
| 45 | Pendleton County | $523 | $178,600 | 0.338% |
| 46 | Cabell County | $525 | $156,100 | 0.634% |
| 47 | Ohio County | $536 | $165,300 | 0.587% |
| 48 | Marion County | $536 | $164,300 | 0.602% |
| 49 | Mineral County | $545 | $180,400 | 0.465% |
| 50 | Hampshire County | $570 | $204,600 | 0.364% |
| 51 | Putnam County | $624 | $214,200 | 0.577% |
| 52 | Morgan County | $629 | $223,100 | 0.513% |
| 53 | Monongalia County | $679 | $254,200 | 0.485% |
| 54 | Berkeley County | $680 | $248,000 | 0.546% |
| 55 | Jefferson County | $821 | $324,500 | 0.553% |
Every figure is modelled on the county's own median home with 20% down at 7.03%. Property tax and electricity are county and state specific; homeowners insurance uses the NAIC average premium for that state, which ranges from 0.16% of home value in Hawaii to 1.16% in Oklahoma. Maintenance and water are national estimates. Full methodology.
Nationwide
Cheapest Counties to Own a Home Outright across all 3,133 US counties · Every county in West Virginia