Housing affordability index in West Virginia
Housing affordability index in West Virginia: puts one number on the housing question: 16.8% of the state's median household income goes to principal and interest on a median-priced home at today's rate.
30-year fixed rate used: 6.76% (observed 2026-09-10, FRED MORTGAGE30US).
Share of income
16.8%
principal + interest
Monthly payment
$784
on a $150,932 home
Median income
$55,967
households, ACS 5-year
| Rank | County | Share of income | Monthly P&I |
|---|---|---|---|
| 1 | Monongalia County | 24.8% | $1,257 |
| 2 | Morgan County | 21.7% | $1,104 |
| 3 | Hampshire County | 20.9% | $960 |
| 4 | Jefferson County | 20.2% | $1,576 |
| 5 | Pendleton County | 20.1% | $879 |
| 6 | Berkeley County | 19.6% | $1,203 |
| 7 | Hardy County | 19.4% | $796 |
| 8 | Pocahontas County | 19.4% | $673 |
| 9 | Upshur County | 19.3% | $798 |
| 10 | Cabell County | 18.4% | $749 |
| 11 | Greenbrier County | 17.9% | $677 |
| 12 | Summers County | 17.9% | $641 |
| 13 | Roane County | 17.8% | $611 |
| 14 | Calhoun County | 17.7% | $577 |
| 15 | Grant County | 17.7% | $779 |
| 16 | Ohio County | 17.2% | $795 |
| 17 | Raleigh County | 17.2% | $687 |
| 18 | Barbour County | 16.7% | $618 |
| 19 | Jackson County | 16.7% | $770 |
| 20 | Putnam County | 16.7% | $1,051 |
| 21 | Lewis County | 16.5% | $697 |
| 22 | Monroe County | 16.5% | $719 |
| 23 | Harrison County | 16.3% | $763 |
| 24 | Taylor County | 16.3% | $717 |
| 25 | Tucker County | 16.3% | $733 |
| 26 | Doddridge County | 16.2% | $765 |
| 27 | Wood County | 16.1% | $731 |
| 28 | Randolph County | 15.7% | $668 |
| 29 | Mineral County | 15.6% | $844 |
| 30 | Mercer County | 15.5% | $598 |
| 31 | Marion County | 15.3% | $767 |
| 32 | Preston County | 15.3% | $766 |
| 33 | Clay County | 15.1% | $524 |
| 34 | Logan County | 14.9% | $526 |
| 35 | Kanawha County | 14.8% | $681 |
| 36 | Mingo County | 14.6% | $466 |
| 37 | Nicholas County | 14.1% | $574 |
| 38 | Braxton County | 14% | $494 |
| 39 | Marshall County | 14% | $678 |
| 40 | Mason County | 13.9% | $613 |
| 41 | Brooke County | 13.8% | $597 |
| 42 | Wayne County | 13.5% | $593 |
| 43 | Ritchie County | 13.4% | $546 |
| 44 | Wetzel County | 13% | $551 |
| 45 | Wirt County | 12.9% | $567 |
| 46 | Fayette County | 12.8% | $536 |
| 47 | Pleasants County | 12.7% | $629 |
| 48 | Hancock County | 12.1% | $580 |
| 49 | Webster County | 11.8% | $428 |
| 50 | Lincoln County | 11.6% | $491 |
| 51 | Tyler County | 11.6% | $570 |
| 52 | Gilmer County | 10.9% | $466 |
| 53 | McDowell County | 10.5% | $247 |
| 54 | Wyoming County | 10.4% | $385 |
| 55 | Boone County | 9.7% | $453 |
Methodology
Every county figure for West Virginia uses the county's own median home value and median household income from the Census American Community Survey 5-year estimates, a 20% deposit, and the current 30-year fixed rate from FRED (MORTGAGE30US) amortised over 30 years.
The share shown is annualised principal and interest divided by median household income. Property tax, insurance and HOA dues are excluded so the comparison between counties stays like-for-like.
Counties without both a published home value and a published income are left out entirely rather than filled with an estimate, so the table is shorter than the county list in some states.
Sources: FRED series MORTGAGE30US, Freddie Mac Primary Mortgage Market Survey; U.S. Census Bureau, American Community Survey 5-year estimates. American Community Survey 5-year estimates, 2022.