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Home Mortgage Rates in West Virginia

Dolly Sods Wilderness in West Virginia.

West Virginia is known as the Mountain State due to its location in the Appalachian mountains. This state was admitted into the Union in 1863, and it became a key border state during the Civil War. West Virginia is home to rolling hills, mountains, and its coal mining and logging industries. People from all over the world travel to this state because it is one of the most densely karstic areas in the world, and this means that it has a huge collection of cave systems that are perfect for research and recreational caving. Outdoor recreational activities also dominate West Virginia from skiing, hiking, whitewater rafting, rock climbing, hunting and more.

This state is known for its diversity and its varied ways of living. The larger cities that are located in this state are thriving, but there is also a more laid-back feel to the smaller communities and the more rural areas. You have a broad range of living conditions to choose from in this state, and each one has benefits and drawbacks associated with living there.

People move to West Virginia for the diverse economy and the lower cost of living. This state's annual cost of living is well below the national average, and this includes housing prices. When you combine this with the fast-growing cities, you have a combination that draws younger people looking for an affordable place to live that has several job opportunities. The close proximity to many outdoor recreational activities is another large draw for people to move to the state.

However, people move out of West Virginia for several valid reasons as well. While the cities are fast-growing, you may not experience the fast pace you'd normally associate with larger cities. People leave the state to look for higher paying job opportunities as well as an overall better quality of living. West Virginia is one of the poorest states in the nation with a median household income of $44,354 in 2016. Median household incomes have not recovered from their peak prior to the Great Recession, as 2007 incomes were $48,724 in 2016 CPI-U-RS adjusted Dollars. Stagnant and persistently low wages combined with dying industries like coal have driven many people away.

West Virginia is an attractive state to live in for people who are established in their careers and who know what they want. Retirees and those who work virtually online also find West Virginia attractive as the lower cost of living makes it easy for them to afford their housing and necessities on their more restricted budgets. Residents and tourists who like outdoor recreational activities also like this state as there are a wide variety of activities to choose from.

Current Real Estate Trends

Through the time period of the housing market crash, West Virginia's real estate market didn't suffer as much as the rest of the nation. The market showed its first signs of trouble at the start of 2006 with a peak and a sharp drop that leveled out and started to go upwards again at the end of 2006. This slight upwards trend continued until the first quarter of 2008 when the market plateaued slightly before beginning to fall in the second quarter of 2008. The market fell sharply through 2008 only to rebound into a peak in the first quarter of 2009. This peak dropped off until the third quarter of 2009 when it hit a plateau. This plateau lasted from the third quarter of 2009 until the fourth quarter of 2010 when it peaked. From this peak, the market dropped to its lowest point, and it hit bottom in the second quarter of 2011.

Once the housing market hit its lowest point, it rebounded sharply into a small peak by the fourth quarter of 2011. This peak dropped slightly, and then the market started a steady climb until the fourth quarter of 2014 when it experienced a sharp drop. By the second quarter of 2015, it had rebounded again only to drop slightly once more before leveling off. Throughout 2016, the market continued to climb at a steady pace, and it experienced a small setback in the first quarter of 2017 before recovering quickly and continuing to climb. The market has been higher than it was before the collapse since the second quarter of 2015.

However, Charleston didn't have as much luck during the housing market collapse, and it has had an extremely unstable housing market ever since it collapsed. The third quarter of 2006 market a steep drop in the housing market that saw a very quick but unsteady rebound. There was a gradual drop and rise throughout 2007 before the market dropped off. By the first quarter of 2008, the market was peaking only to suffer another short drop. This recovered quickly, and 2009 saw the market hit its highest point before starting on a very rocky descent. This descent continued with a slight peak in the first quarter of 2010, only to rapidly drop once again until it hit its lowest point in the middle of 2010.

Once it hit its lowest point, the market went into a very rapid peak in the third quarter of 2010 before it fell and hit another low point at the start of 2011. The middle of 2011 saw another slight peak that fell away until the first quarter of 2012 when the market rapidly went into another peak. This peak fell away until the third quarter of 2012 when the market began to see less extreme peaks and drops. There were small peaks in the first quarter of 2013, the third quarter of 2013, and the first quarter of 2014 brought a slightly higher peak. This dropped sharply only to peak again in the third quarter of 2014. The market has continued this pattern of rapidly shifting between highs and lows into 2017, and the market prices are not much higher than they were before the housing market first collapsed between 2007 and 2008.

Homeownership across the state has ranged between 72% and 81.3% over the past 33 years. From 1990 to 2004 ownership grew almost every year, jumping from 72% in 1990 to 81.3% in 2005.  Since the 2005 peak ownership has generally been on a downtrend, reaching a low of 74.8% in 2016. Ownership across the state is much higher than the national average, which was recorded at 63.4% in 2016.

Historical Real Estate Trends

The start of the 1990s saw West Virginia's housing market on a slight downward drop that went into a very slight peak in 1991 before dropping slightly once again. The fourth quarter of 1991 until the third quarter of 1994 brought stability to the market with a steady climb. Between the third and fourth quarter of 1994, the housing market had a slight dip that quickly evened out and resumed climbing. This steady climb continued until the second quarter of 1992 when the market hit a plateau. This plateau lasted until the end of 1996, and then West Virginia's housing market started to rise. This trend continued until 1999 when the market experienced a slight dip that stayed low until the early 2000s. The first quarter of 2001 saw the market go into a steeper climb that remained relatively unchanged until it hit a plateau at the end of 2005. This plateau went into the first peak of the housing market crash.

In comparison, Charleston had a much more unsteady climb, and the start of the 1990s saw the housing market hit with several peaks and sharp drops that began to level out slightly in the middle of 1991. This continued into 1992, with the market seeing more gradual rises and falls until the start of 1994. Once 1994 came, the market went back to experiencing sharper rises and falls with peaks in the first quarter of 1994, the third quarter of 1994, and the second quarter of 1995. After the last peak in 1995, the market had a more gradual rise once again that was interrupted by a plateau that lasted from the third quarter of 1996 until the first quarter of 1997. The second quarter of 1997 brought slight stability that continued until it hit a slight plateau in 1998.

Once this plateau came and went, the market went into a steep peak that dropped off quickly in throughout 1999. The start of the 2000s brought a peak that fell away only to rise to another peak at the start of 2001. This peak leveled off, and the housing market experienced another bout of stability with minor peaks and drops as it climbed from the second quarter of 2002 until the third quarter of 2004. The third quarter of 2004 saw the market rapidly hit a high peak that dropped slightly and leveled off only to rise again in the fourth quarter of 2006. This market a gradual climb into 2007 and the housing market collapse.

Places to Live

Metropolitan Areas

WV Rank US Rank Metropolitan Area 2016 Pop 2010 Pop Change % △
1 6 Washington-Arlington-Alexandria, DC-VA-MD-WV Metro Area 6,131,977 5,636,232 495,745 8.80%
2 148 Huntington-Ashland, WV-KY-OH Metro Area 359,588 364,908 -5,320 -1.46%
3 183 Hagerstown-Martinsburg, MD-WV Metro Area 263,817 251,599 12,218 4.86%
4 200 Charleston 217,916 227,078 -9,162 -4.03%
5 295 Wheeling, WV-OH Metro Area 142,982 147,950 -4,968 -3.36%
6 301 Morgantown 138,380 129,709 8,671 6.68%
7 306 Winchester, VA-WV Metro Area 135,238 128,472 6,766 5.27%
8 335 Beckley 120,924 124,898 -3,974 -3.18%
9 339 Weirton-Steubenville, WV-OH Metro Area 119,271 124,454 -5,183 -4.16%
10 376 Bluefield, WV-VA Micro Area 102,618 107,342 -4,724 -4.40%
11 384 Cumberland, MD-WV Metro Area 99,541 103,299 -3,758 -3.64%
12 404 Clarksburg 93,672 94,196 -524 -0.56%
13 410 Parkersburg-Vienna 91,449 92,673 -1,224 -1.32%
14 546 Point Pleasant, WV-OH Micro Area 56,840 58,258 -1,418 -2.43%
15 548 Fairmont 56,538 56,418 120 0.21%
16 778 Logan 33,700 36,743 -3,043 -8.28%
17 823 Elkins 29,006 29,405 -399 -1.36%

Popular Cities in West Virginia

West Virginia is home to many unique and fast-growing cities that draw thousands of people to visit and live each year. The diverse economy and the low cost of living contribute to the popularity of these cities.

Charleston

Charleston, WV at Dawn.

The city of Charleston is the most populous city in West Virginia, and it also serves as the state's capital city. As of 2016, Charleston had a population of 49,138 people. This city is also apart of the bigger Charleston Metro, and the combined population of the city and the Metro area are 217,916 people. In 1788, Fort Lee was the first permanent settlement was build in the place where Charleston now stands.

Charleston is home to several large company headquarters. In addition to this, healthcare, education, tourism, and retail all work to support the local economy. Charleston is also part of an economic development program called the Charleston Alliance. The city has also had a long history with the natural gas and coal mining industries, and this continues to this day.

This city is located between the humid continental climate and the humid subtropical climate. It still has four seasons, but they're tempered by these two climate zones. This also makes Charleston experience warmer winter temperatures than the rest of the state, and Spring brings the most unpredictable weather with temperature fluctuations up to 20 degrees in a single day. July is typically the warmest month of the year with temperatures in the high 80s. January is the coldest month of the year with temperatures in the low 20s.

Charleston has several festivals and events that take place throughout the year that draw tourists and residents alike. The Avampato Discovery Museum is another point of interest that features a variety of exhibits. There are also several parks and outdoor attractions around the city including Joplin Park which has several swimming pools, tennis courts, and playgrounds. Finally, the West Virginia International Film Festival happens twice a year and it showcases local and regional films.

The Kanawha County School District serves the city of Charleston, and it has over 28,000 students currently enrolled. Charleston is also home to several public and private colleges and universities like the West Virginia University. Students can also attend the private University of Charleston, which has over 1,000 students. Also, the BridgeValley Community and Technical College – South Charleston Campus is also located here.

The biggest employer in Charleston is Appalachian Power, and this company has over 3,500 employees. Charleston's second-biggest employer is Charleston Area Medical Center with over 3,000 staff members. Finally, the third-biggest employer in the city is the City of Charleston with around 2,000 staff.

Despite the fact that the economy is supported by several large companies and industries, the unemployment rate in Charleston is still higher than the national average. In addition to this, the economy has experienced a lack of growth over the past year, and this could attribute to the higher unemployment rate. Over the next ten years, Charleston is estimated to add over 30% more jobs to support the economy.

Charleston has a local median home price of $103,400, and this works out to an average of $100 per square foot. These prices have gone up over the past year over 3.7%, and they're estimated to go up another 4.1% by the end of the coming year. The local median home price for the Charleston Metro is $164,900.

Huntington

Park in Huntington, WV.

Huntington is the second-biggest city in West Virginia, and it has a population of 48,113 people. Huntington is also part of the bigger Huntington-Ashton Metro area, and there is a combined population of 359,588 people. This city is home to one of the busiest inland ports in the nation, and the city is surrounded by abundant natural resources.

The local economy is supported by coal, chemicals, oil, and steel. Education, healthcare, tourism, transportation, shipping, and retail also play important parts in supporting the local economy. However, the port is the main economic support, as it has been for years.

This city is located in the lowest and westernmost portion of West Virginia, and this puts it right on the edge of the humid subtropical climate zone. It also allows Huntington to have four seasons each year. The Ohio River contributes to this city's higher humidity levels, and the city only sees moderate snowfall. July has temperatures in the high 80s, and January sees the coldest temperatures every year around 25 degrees.

Huntington has several parks, museums, events, festivals, and points of cultural interest throughout the city. The city is also dedicated to the performing arts, and the Keith-Albee Performing Arts Center is located here. It is also home to the Tri-State Comic Con, which is the largest event in the state. Ritter Park is another attraction that draws people for its scenic walking trails. Sports are also popular in this city, and it is home to The Thundering Herd.

The Wayne County School System serves this city, and it currently has over 10,000 students enrolled. Huntington is also home to several colleges and universities including Marshall University. Additionally, the Robert C. Byrd Institute for Advanced Manufacturing is located here, as well as St. Mary's Medical Center's School of Medical Imaging.

Huntington has several notable employers. The biggest employer is Marshall University, with over 2,000 staff. The second and third-biggest employers come from the healthcare field, and Cabell Huntington Hospital, and St. Mary's Medical Center have 1,800 and 1,600 employees respectively.

The unemployment rate in Huntington currently matches the national average, and there hasn't been any job growth in the past year. It has actually lost jobs over the past year, and this could contribute to the current unemployment rate. Over the next ten years, Huntington is estimated to experience economic growth of around 32%.

Huntington has a local median home price of $105,000, and this price averages out to around $83 per square foot. Over the past year, the prices have gone up by 0.6%, and they're estimated to go up another 2.4% in the coming year. The Huntington Metro area has a local median home price of $96,700.

Morgantown

Aerial View of Morgantown, West Virginia.

Morgantown is the third-biggest city in West Virginia, and it is found along the Monongahela River. This city has a population of 30,855 people, and this population increases dramatically between September through May by college students. Morgantown is also part of the bigger Morgantown Metro area, and this population is 138,380 people. This city has a rich cultural history, and Morgantown was incorporated in 1863.

Morgantown is home to the largest educational institution in the state, the University of West Virginia. The city is known for its "Mountains of Opportunity" for business expansion and development, and that may be part of the reason for its growth. It consistently has one of the lowest unemployment rates in the state and is in Monongalia County, the only north central county to have population growth for the past 20 years. It is also the home of actor Don Knotts and NBA legend Jerry West. The local economy is supported by the education sector and the public transportation sector. It also has strong influences from tourism, retail, service, and healthcare. All of these factors work to strengthen the local economy, and it makes for a very diverse economy.

This city straddles two different climate zones, and the humid continental climate zone along with the humid subtropical climate zone influence this city. The winter months are cool to cold with January seeing temperatures in the low 20s. The summer months are hot and humid with July seeing the hottest temperatures in the high 80s. Also, the city does get moderate snowfall, but the temperatures are warmer.

There are several cultural points of interest located throughout the city, and they include museums, parks, performing arts, and theaters. The Monongalia Arts Center draws hundreds of people through the city each year. If you like history, the Morgantown History Museum makes an excellent day trip and a way to immerse yourself in the city's history. You can also visit the Hazel Ruby McQuain Riverfront Park.

Monongalia County Schools serves the city of Morgantown, and it has over 10,000 students enrolled. Morgantown is also home to the West Virginia University, and this college draws thousands of students to the city during the school year. It has over 31,000 students enrolled, and students can take over 190 different programs and courses through this college.

There are several large employers in Morgantown, and the biggest employer in the city is the West Virginia University with 7,600 staff members. The second-biggest employer in the city is UVW Medicine, and this company employs 6,000 staff members. The employer that rounds out the top three biggest employers in the city is the Monongalia County Schools with 1,800 employees.

The unemployment rate in Morgantown is the same as the national average, and the economy has also lost jobs over the past year. This can contribute to the higher unemployment rate. However, this may improve over the next ten years as Morgantown is looking to add around 31% more jobs to the local economy.

Morgantown currently has a local median home price around $180,200, and this figure averages out to around $133 per square foot. These prices have actually declined over the past year by 9%. They're estimated to increase by just over 1.2% in the coming year. The Morgantown Metro area has a local median home price of $199,800.

Parkersburg

Downtown Parkersburg, West Virginia.

The fourth-biggest city in West Virginia is the city of Parkersburg with a population of 30,601. It is also part of the bigger Parkersburg-Vienna Metro, and the Metro area has a population of 91;449 residents. Parkersburg was an important stop for the Baltimore and Ohio Railroad, and it is home to the longest railroad bridge in the world. Parkersburg came to be in 1810, but it wasn't incorporated as a city until 1860.

The transportation industry and the oil refinery industry both have strong historical ties to this city. Chemicals, steel, textiles, and iron manufacturing also make up important parts of the current economy. Finally, education, retail, tourism, and healthcare round out the top economic supports.

Parkersburg experiences humid, long, and hot summer months with the temperatures typically sitting in the high 80s. Residents also get high humidity year round. The winter months are very cold and windy with temperatures staying around the mid-20s. Spring and fall are cooler, and they typically have wetter weather.

This city has several annual events and festivals year-round that draws hundreds of tourists through the city. There are also several cultural points of interest and historically prominent places throughout the city. The Blennerhassett Museum of Regional History is the perfect place to immerse yourself in the local history, or you can experience the local cuisine at the Taste of Parkersburg festival.

There are several public and private schools located in and around the city of Parkersburg. Students can attend the two-year, private Mountain State College. The West Virginia University at Parkersburg is located on the outside of the city, or students can attend the Ohio Valley University. There are also eighteen elementary schools, five middle schools, and four high schools.

Parkersburg has a diverse economy, and this is reflected in the top three biggest employers. The Camden Clark Memorial Hospital Corporation is the city's biggest employer with 3,200 staff. The second-biggest employer is United Construction Company, Inc, and it has 2,500 staff members. The third-biggest employer in Parkersburg is the Treasury Franchise Fund with 2,000 employees.

This city has an unemployment rate that is 1.6% higher than the current national average. It has also lost jobs over the past year, and this could be a contributing factor to the unemployment rate. However, over the next decade, Parkersburg is estimating on adding 31% more jobs.

The Impact of Declining Population Across the State

Population across the state of West Virginia peaked at 2,005,552 in 1950 and fell to 1,852,994 by 2010.

Declining populations are generally bad for economic growth, however a declining population also means less real estate demand, which in turn can help lower real estate prices. A person looking for a low cost of living or a family which is retired will find highly affordable living options across the state. Most of the cities across the state have seen population declines since 2010. The state has lost nearly 40,000 residents since the 2010 Census and is expected to lose another 19,000 residents by 2030 as death rates exceed birth rates & the state also has a net out-migration. The state's population as of 2016 is 1,831,102.

Outside of Morgantown one of the few cities which has seen recent growth is Martinsburg. Part of the reason for the growth may be the major companies, such as General Motors and FedEx that are in the city. The IRS also has a facility, which processes tax documents for the county, in the town.

West Virginia Census Data

According to the United States Census an estimated 1,831,102 people live in the state of West Virginia. The state has 24,038.21 mi² of land area, which gave it a population density of 76.17 per mi². Here is a list of cities, towns, villages & Census Designated Places across the state along with their estimated population as of June 2016 & the 2010 United States Census. For areas with fewer than 5,000 residents & Census Designated Places (CDP) where there was no population estimate available for 2016, the 2011-2015 American Community Survey 5-Year Estimates data was used.

All table columns are sortable. Click on the column headers to sort by that column. Click again to sort low to high. Cities with higher levels of population growth typically see the increased demand drive faster real estate price appreciation.

Rank Geography County 2016 Pop 2010 Pop Change % △ Land mi² Pop Den mi²
1 Charleston Kanawha 49,138 51,400 -2,262 -4.40% 31.52 1,558.95
2 Huntington Cabell & Wayne 48,113 49,138 -1,025 -2.09% 16.22 2,966.28
3 Morgantown Monongalia 30,855 29,660 1,195 4.03% 10.17 3,033.92
4 Parkersburg Wood 30,601 31,492 -891 -2.83% 11.82 2,588.92
5 Wheeling Ohio & Marshall 27,375 28,486 -1,111 -3.90% 13.79 1,985.13
6 Weirton Hancock & Brooke 18,989 19,746 -757 -3.83% 18.05 1,052.02
7 Fairmont Marion 18,622 18,704 -82 -0.44% 8.62 2,160.32
8 Martinsburg Berkeley 17,687 17,227 460 2.67% 6.65 2,659.70
9 Beckley Raleigh 16,972 17,614 -642 -3.64% 9.49 1,788.41
10 Clarksburg Harrison 16,035 16,578 -543 -3.28% 9.75 1,644.62
Teays Valley CDP Putnam 13,848 13,175 673 5.11% 7.17 1,931.38
11 South Charleston Kanawha 12,859 13,450 -591 -4.39% 7.61 1,689.75
Cross Lanes CDP Kanawha 10,567 9,995 572 5.72% 6.38 1,656.27
12 St. Albans Kanawha 10,553 11,044 -491 -4.45% 3.62 2,915.19
13 Vienna Wood 10,459 10,749 -290 -2.70% 3.79 2,759.63
14 Bluefield Mercer 10,191 10,447 -256 -2.45% 8.86 1,150.23
Cheat Lake CDP Monongalia 9,219 7,988 1,231 15.41% 14.31 644.23
15 Moundsville Marshall 8,741 9,318 -577 -6.19% 2.91 3,003.78
16 Oak Hill Fayette 8,544 7,730 814 10.53% 4.88 1,750.82
17 Bridgeport Harrison 8,364 8,149 215 2.64% 10.51 795.81
18 Dunbar Kanawha 7,543 7,907 -364 -4.60% 2.8 2,693.93
19 Elkins Randolph 7,187 7,094 93 1.31% 3.43 2,095.34
20 Nitro Kanawha & Putnam 6,686 7,178 -492 -6.85% 4.27 1,565.81
21 Hurricane Putnam 6,604 6,284 320 5.09% 3.74 1,765.78
Pea Ridge CDP Cabell 6,323 6,650 -327 -4.92% 2.29 2,761.14
22 Princeton Mercer 5,962 6,432 -470 -7.31% 3.01 1,980.73
23 Charles Town Jefferson 5,945 5,259 686 13.04% 5.81 1,023.24
24 Buckhannon Upshur 5,612 5,639 -27 -0.48% 2.83 1,983.04
Brookhaven CDP Monongalia 5,384 5,171 213 4.12% 9.23 583.32
25 Keyser Mineral 5,200 5,439 -239 -4.39% 1.92 2,708.33
26 New Martinsville Wetzel 5,181 5,366 -185 -3.45% 2.67 1,940.45
27 Ranson corporation Jefferson 5,166 4,440 726 16.35% 8.05 641.74
28 Grafton Taylor 5,127 5,164 -37 -0.72% 3.67 1,397.00
Sissonville CDP Kanawha 4,655 4,028 627 15.57% 12.75 365.10
29 Barboursville village Cabell 4,262 3,964 298 7.52% 4.09 1,042.05
30 Westover Monongalia 4,243 3,983 260 6.53% 1.51 2,809.93
31 Point Pleasant Mason 4,237 4,350 -113 -2.60% 2.4 1,765.42
32 Weston Lewis 4,044 4,110 -66 -1.61% 1.95 2,073.85
33 Lewisburg Greenbrier 3,921 3,830 91 2.38% 3.8 1,031.84
34 Ravenswood Jackson 3,825 3,876 -51 -1.32% 1.82 2,101.65
Culloden CDP Cabell & Putnam 3,549 3,061 488 15.94% 4.22 841.00
35 Philippi Barbour 3,533 2,966 567 19.12% 2.86 1,235.31
36 Summersville Nicholas 3,434 3,572 -138 -3.86% 4.22 813.74
Shannondale CDP Jefferson 3,305 3,358 -53 -1.58% 8.43 392.05
37 Ripley Jackson 3,245 3,252 -7 -0.22% 3.17 1,023.66
38 Pleasant Valley Marion 3,172 3,149 23 0.73% 3.23 982.04
Shady Spring CDP Raleigh 3,060 2,998 62 2.07% 6.07 504.12
39 Kenova Wayne 3,055 3,216 -161 -5.01% 1.26 2,424.60
40 Kingwood Preston 2,956 2,939 17 0.58% 2.43 1,216.46
41 Williamstown Wood 2,941 2,908 33 1.13% 1.38 2,131.16
42 Williamson Mingo 2,924 3,191 -267 -8.37% 3.26 896.93
Pinch CDP Kanawha 2,876 3,262 -386 -11.83% 3.55 810.14
43 Madison Boone 2,865 3,076 -211 -6.86% 7.01 408.70
44 Fayetteville Fayette 2,852 2,892 -40 -1.38% 5.46 522.34
45 Follansbee Brooke 2,838 2,986 -148 -4.96% 1.84 1,542.39
Hooverson Heights CDP Brooke 2,834 2,590 244 9.42% 2.26 1,253.98
Blennerhassett CDP Wood 2,769 3,089 -320 -10.36% 4.96 558.27
46 Wellsburg Brooke 2,657 2,805 -148 -5.28% 0.98 2,711.22
47 Milton Cabell 2,614 2,423 191 7.88% 1.54 1,697.40
48 Petersburg Grant 2,573 2,467 106 4.30% 1.62 1,588.27
49 Granville Monongalia 2,562 781 1,781 228.04% 1.3 1,970.77
Bluewell CDP Mercer 2,535 2,184 351 16.07% 4.49 564.59
50 Paden City Wetzel & Tyler 2,487 2,633 -146 -5.55% 0.85 2,925.88
Crab Orchard CDP Raleigh 2,475 2,678 -203 -7.58% 2.24 1,104.91
51 Chester Hancock 2,474 2,585 -111 -4.29% 1 2,474.00
52 Moorefield Hardy 2,473 2,544 -71 -2.79% 2.35 1,052.34
53 Hinton Summers 2,469 2,676 -207 -7.74% 2.22 1,112.16
54 White Sulphur Springs Greenbrier 2,420 2,444 -24 -0.98% 1.95 1,241.03
55 Bethlehem village Ohio 2,398 2,499 -101 -4.04% 3.54 677.40
56 Winfield Putnam 2,357 2,301 56 2.43% 2.41 978.01
Inwood CDP Berkeley 2,351 2,954 -603 -20.41% 2.85 824.91
Daniels CDP Raleigh 2,301 1,881 420 22.33% 4.63 496.98
57 Shinnston Harrison 2,161 2,201 -40 -1.82% 1.73 1,249.13
58 Spencer Roane 2,158 2,322 -164 -7.06% 1.26 1,712.70
59 Mannington Marion 2,059 2,063 -4 -0.19% 1.1 1,871.82
60 Star City Monongalia 2,024 1,825 199 10.90% 0.49 4,130.61
61 Shepherdstown Jefferson 1,991 1,734 257 14.82% 0.37 5,381.08
62 Richwood Nicholas 1,955 2,051 -96 -4.68% 1.61 1,214.29
63 Belington Barbour 1,910 1,921 -11 -0.57% 2.06 927.18
Alum Creek CDP Lincoln & Kanawha 1,902 1,749 153 8.75% 10.19 186.65
64 St. Marys Pleasants 1,837 1,860 -23 -1.24% 1.02 1,800.98
65 McMechen Marshall 1,819 1,926 -107 -5.56% 0.57 3,191.23
Fairlea CDP Greenbrier 1,817 1,747 70 4.01% 3.74 485.83
66 Welch McDowell 1,816 2,406 -590 -24.52% 6.01 302.16
Bradley CDP Raleigh 1,810 2,040 -230 -11.27% 4.23 427.90
Craigsville CDP Nicholas 1,779 2,213 -434 -19.61% 6.07 293.08
67 Romney Hampshire 1,759 1,848 -89 -4.82% 0.96 1,832.29
68 Stonewood Harrison 1,753 1,806 -53 -2.93% 0.85 2,062.35
69 Harrisville Ritchie 1,750 1,876 -126 -6.72% 1.58 1,107.59
70 Ronceverte Greenbrier 1,736 1,765 -29 -1.64% 1.7 1,021.18
Stanaford CDP Raleigh 1,726 1,350 376 27.85% 1.91 903.66
Prosperity CDP Raleigh 1,624 1,498 126 8.41% 2.46 660.16
71 Eleanor Putnam 1,603 1,518 85 5.60% 2.12 756.13
72 Logan Logan 1,600 1,779 -179 -10.06% 1.15 1,391.30
Coal City CDP Raleigh 1,596 1,815 -219 -12.07% 6.31 252.93
Mineralwells CDP Wood 1,582 1,950 -368 -18.87% 1.53 1,033.99
73 Montgomery Fayette & Kanawha 1,577 1,638 -61 -3.72% 1.57 1,004.46
74 Nutter Fort Harrison 1,570 1,593 -23 -1.44% 0.85 1,847.06
Despard CDP Harrison 1,560 1,004 556 55.38% 1.47 1,061.22
MacArthur CDP Raleigh 1,559 1,500 59 3.93% 2.98 523.15
75 Salem Harrison 1,541 1,586 -45 -2.84% 1.34 1,150.00
76 Glenville Gilmer 1,517 1,537 -20 -1.30% 1 1,517.00
77 New Haven Mason 1,514 1,560 -46 -2.95% 1.1 1,376.36
78 Terra Alta Preston 1,491 1,477 14 0.95% 1.19 1,252.94
79 Chesapeake Kanawha 1,480 1,554 -74 -4.76% 0.48 3,083.33
80 West Liberty Ohio 1,471 1,542 -71 -4.60% 0.68 2,163.24
81 Rainelle Greenbrier 1,468 1,505 -37 -2.46% 1.11 1,322.52
Fort Ashby CDP Mineral 1,454 1,380 74 5.36% 3.53 411.90
82 Glen Dale Marshall 1,446 1,526 -80 -5.24% 0.85 1,701.18
83 Mullens Wyoming 1,439 1,559 -120 -7.70% 1.8 799.44
84 Marmet  Kanawha 1,429 1,503 -74 -4.92% 1.27 1,125.20
85 Parsons Tucker 1,423 1,485 -62 -4.18% 1.11 1,281.98
Elkview CDP Kanawha 1,377 1,222 155 12.68% 1.68 819.64
86 Ceredo Wayne 1,376 1,450 -74 -5.10% 1.53 899.35
87 Ansted Fayette 1,374 1,404 -30 -2.14% 1.66 827.71
88 Wayne Wayne 1,366 1,413 -47 -3.33% 0.72 1,897.22
Lesage CDP Cabell 1358 1358 0 0.00% 6.09 222.99
89 Mabscott Raleigh 1,350 1,408 -58 -4.12% 0.87 1,551.72
90 Mount Hope Fayette 1,350 1,414 -64 -4.53% 1.33 1,015.04
Mount Gay-Shamrock CDP Logan 1,349 1,779 -430 -24.17% 7.55 178.68
91 Benwood Marshall 1,344 1,420 -76 -5.35% 1.3 1,033.85
Newell CDP Hancock 1,317 1,376 -59 -4.29% 0.74 1,779.73
92 Sistersville Tyler 1,316 1,396 -80 -5.73% 0.53 2,483.02
Rand CDP Kanawha 1,315 1,631 -316 -19.37% 0.46 2,858.70
93 Barrackville Marion 1,311 1,302 9 0.69% 0.69 1,900.00
94 Sophia Raleigh 1,311 1,344 -33 -2.46% 0.69 1,900.00
Lubeck CDP Wood 1,308 1,311 -3 -0.23% 4.26 307.04
Boaz CDP Wood 1,306 1,297 9 0.69% 3.66 356.83
Mallory CDP Logan 1,306 1,654 -348 -21.04% 12.99 100.54
Washington CDP Wood 1,296 1,175 121 10.30% 4.16 311.54
95 Oceana Wyoming 1,280 1,394 -114 -8.18% 1.29 992.25
Tornado (Upper Falls CDP) Kanawha 1,280 3,701 -2,421 -65.41% 16.93 75.61
96 Buffalo Putnam 1,250 1,236 14 1.13% 1.4 892.86
97 Belle Kanawha 1,192 1,260 -68 -5.40% 0.69 1,727.54
98 Alderson Greenbrier & Monroe 1,173 1,184 -11 -0.93% 0.89 1,317.98
99 Clendenin Kanawha 1,173 1,227 -54 -4.40% 1.44 814.58
100 Chapmanville Logan 1,171 1,256 -85 -6.77% 0.65 1,801.54
Gilbert Creek CDP Mingo 1,170 1,090 80 7.34% 11.57 101.12
Lavalette CDP Wayne 1,159 1,073 86 8.01% 2.61 444.06
Cassville CDP Monongalia 1,150 701 449 64.05% 3.55 323.94
Brush Fork CDP Mercer 1,137 1,197 -60 -5.01% 1.9 598.42
101 Hamlin Lincoln 1,114 1,142 -28 -2.45% 0.6 1,856.67
Falling Waters CDP Berkeley 1,109 876 233 26.60% 1.25 887.20
102 Monongah Marion 1,106 1,044 62 5.94% 0.49 2,257.14
Bruno CDP Logan 1,102 544 558 102.57% 1.3 847.69
Beaver CDP Raleigh 1,086 1,308 -222 -16.97% 4.36 249.08
103 Pennsboro Ritchie 1,067 1,171 -104 -8.88% 2.7 395.19
Coal Fork CDP Kanawha 1,061 1,233 -172 -13.95% 5.12 207.23
104 New Cumberland Hancock 1,051 1,103 -52 -4.71% 1.22 861.48
105 Bolivar Jefferson 1,046 1,045 1 0.10% 0.44 2,377.27
106 Sutton Braxton 1,033 994 39 3.92% 0.78 1,324.36
107 Marlinton Pocahontas 1,014 1,054 -40 -3.80% 2.44 415.57
108 Bethany Brooke 1,002 1,036 -34 -3.28% 0.73 1,372.60
Gallipolis Ferry CDP Mason 996 817 179 21.91% 2.28 436.84
109 Poca Putnam 989 974 15 1.54% 0.59 1,676.27
110 Athens Mercer 940 1,048 -108 -10.31% 0.39 2,410.26
111 Cedar Grove Kanawha 938 997 -59 -5.92% 0.72 1,302.78
112 Carpendale Mineral 934 977 -43 -4.40% 1.31 712.98
113 Rivesville Marion 934 934 0 0.00% 0.52 1,796.15
114 Mason Mason 933 968 -35 -3.62% 0.59 1,581.36
Boomer CDP Fayette 923 615 308 50.08% 1.38 668.84
115 Rupert Greenbrier 923 942 -19 -2.02% 0.77 1,198.70
116 East Bank Kanawha 919 959 -40 -4.17% 0.48 1,914.58
Piney View CDP Raleigh 911 989 -78 -7.89% 4.05 224.94
117 Gassaway Braxton 902 908 -6 -0.66% 1.16 777.59
118 Cameron Marshall 891 946 -55 -5.81% 0.86 1,036.05
119 Belmont Pleasants 890 903 -13 -1.44% 0.41 2,170.73
Chelyan CDP Kanawha 889 776 113 14.56% 0.4 2,222.50
120 Glasgow Kanawha 870 905 -35 -3.87% 0.47 1,851.06
121 Gary McDowell 866 968 -102 -10.54% 0.84 1,030.95
Switzer CDP Logan 864 595 269 45.21% 2.34 369.23
122 Lumberport Harrison 859 876 -17 -1.94% 0.5 1,718.00
Enterprise CDP Harrison 840 961 -121 -12.59% 2.94 285.71
123 Piedmont Mineral 835 876 -41 -4.68% 0.38 2,197.37
124 Elizabeth Wirt 831 823 8 0.97% 0.47 1,768.09
125 North Hills Wood 820 832 -12 -1.44% 0.55 1,490.91
126 West Union Doddridge 820 825 -5 -0.61% 0.36 2,277.78
Jefferson CDP Kanawha 800 676 124 18.34% 0.33 2,424.24
Wiley Ford CDP Mineral 790 1,026 -236 -23.00% 2.88 274.31
127 Middlebourne Tyler 787 815 -28 -3.44% 0.36 2,186.11
128 Smithers Fayette & Kanawha 777 813 -36 -4.43% 0.5 1,554.00
Verdunville CDP Logan 763 687 76 11.06% 2.67 285.77
129 Triadelphia Ohio 761 811 -50 -6.17% 0.67 1,135.82
Nettie CDP Nicholas 757 568 189 33.27% 3.15 240.32
130 West Hamlin Lincoln 757 774 -17 -2.20% 0.53 1,428.30
Shrewsbury CDP Kanawha 752 652 100 15.34% 0.35 2,148.57
131 Anmoore Harrison 751 770 -19 -2.47% 1.06 708.49
132 War McDowell 751 862 -111 -12.88% 0.89 843.82
Accoville CDP Logan 749 574 175 30.49% 3.27 229.05
133 Addison (Webster Springs) Webster 723 776 -53 -6.83% 0.45 1,606.67
Salt Rock CDP Cabell 713 388 325 83.76% 3.07 232.25
Hepzibah CDP Harrison 703 566 137 24.20% 0.92 764.13
Robinette CDP Logan 703 663 40 6.03% 3 234.33
134 Mill Creek Randolph 701 724 -23 -3.18% 0.46 1,523.91
Hilltop CDP Fayette 686 624 62 9.94% 0.65 1,055.38
Red Jacket CDP Mingo 685 581 104 17.90% 5.26 130.23
135 Man Logan 683 759 -76 -10.01% 1.1 620.91
136 Beverly Randolph 679 702 -23 -3.28% 0.45 1,508.89
137 Fort Gay Wayne 671 705 -34 -4.82% 0.84 798.81
138 Franklin Pendleton 662 721 -59 -8.18% 0.56 1,182.14
139 White Hall Marion 658 648 10 1.54% 1.05 626.67
140 Davis Tucker 655 660 -5 -0.76% 1.83 357.92
Scarbro CDP Fayette 648 486 162 33.33% 0.68 952.94
Holden CDP Logan 644 876 -232 -26.48% 3.73 172.65
141 Ridgeley Mineral 643 675 -32 -4.74% 0.29 2,217.24
142 Danville Boone 640 691 -51 -7.38% 1.07 598.13
143 Peterstown Monroe 636 653 -17 -2.60% 0.32 1,987.50
Harts CDP Lincoln 627 656 -29 -4.42% 9.18 68.30
144 Pineville Wyoming 619 668 -49 -7.34% 0.8 773.75
145 West Milford Harrison 616 630 -14 -2.22% 0.53 1,162.26
McConnell CDP Logan 615 514 101 19.65% 0.31 1,983.87
146 Grant Town Marion 611 613 -2 -0.33% 0.53 1,152.83
147 Bath (Berkeley Springs) Morgan 610 624 -14 -2.24% 0.34 1,794.12
Powellton CDP Fayette 610 619 -9 -1.45% 5.35 114.02
148 Bancroft Putnam 598 587 11 1.87% 0.14 4,271.43
Bolt CDP Raleigh 598 548 50 9.12% 5.45 109.72
Chattaroy CDP Mingo 598 756 -158 -20.90% 2.04 293.14
149 Reedsville Preston 596 593 3 0.51% 0.65 916.92
Rossmore CDP Logan 596 301 295 98.01% 0.62 961.29
150 Hartford City Mason 592 614 -22 -3.58% 1.24 477.42
Glen Fork CDP Wyoming 586 487 99 20.33% 3.07 190.88
151 Gauley Bridge Fayette 585 614 -29 -4.72% 1.58 370.25
152 Pratt Kanawha 585 602 -17 -2.82% 0.29 2,017.24
153 Rowlesburg  Preston 579 584 -5 -0.86% 1.01 573.27
Berwind CDP McDowell 578 278 300 107.91% 0.29 1,993.10
154 Thomas Tucker 562 586 -24 -4.10% 4.46 126.01
Montcalm CDP Mercer 559 726 -167 -23.00% 2.72 205.51
Ghent CDP Raleigh 555 457 98 21.44% 1.28 433.59
155 Union Monroe 552 565 -13 -2.30% 0.45 1,226.67
156 Masontown Preston 548 546 2 0.37% 0.28 1,957.14
157 Clearview village Ohio 546 565 -19 -3.36% 0.42 1,300.00
158 Grantsville Calhoun 538 561 -23 -4.10% 0.44 1,222.73
Hometown CDP Putnam 530 668 -138 -20.66% 0.8 662.50
159 Delbarton Mingo 527 579 -52 -8.98% 2.01 262.19
Middleway CDP Jefferson 519 441 78 17.69% 1.12 463.39
Valley Bend CDP Randolph 519 485 34 7.01% 1.41 368.09
Shenandoah Junction CDP Jefferson 516 703 -187 -26.60% 1.01 510.89
160 Pine Grove Wetzel 510 552 -42 -7.61% 0.35 1,457.14
Kistler CDP Logan 507 528 -21 -3.98% 1.49 340.27
161 Cowen Webster 498 541 -43 -7.95% 0.63 790.48
Raysal CDP McDowell 498 465 33 7.10% 1.23 404.88
162 Burnsville Braxton 496 510 -14 -2.75% 1.06 467.92
163 Junior Barbour 495 520 -25 -4.81% 0.31 1,596.77
Kopperston CDP Wyoming 495 616 -121 -19.64% 1.91 259.16
164 Paw Paw Morgan 493 508 -15 -2.95% 0.53 930.19
165 Beech Bottom village Brooke 491 523 -32 -6.12% 1.16 423.28
Greenview CDP Boone 486 378 108 28.57% 0.99 490.91
Wallace CDP Harrison 479
Glen White CDP Raleigh 474 266 208 78.20% 0.51 929.41
166 Lost Creek Harrison 474 496 -22 -4.44% 0.97 488.66
Spelter CDP Harrison 470 346 124 35.84% 0.49 959.18
167 Whitesville Boone 466 514 -48 -9.34% 0.31 1,503.23
168 Clay Clay 464 491 -27 -5.50% 0.56 828.57
169 Matewan Mingo 454 499 -45 -9.02% 0.56 810.71
Omar CDP Logan 447 552 -105 -19.02% 1.13 395.58
Stollings CDP Logan 442 316 126 39.87% 0.36 1,227.78
Bud CDP Wyoming 440 487 -47 -9.65% 3.12 141.03
Lashmeet CDP Mercer 436 479 -43 -8.98% 0.75 581.33
East Dailey CDP Randolph 434 557 -123 -22.08% 1.05 413.33
Justice CDP Mingo 427 412 15 3.64% 1.32 323.48
Minden CDP Fayette 413 250 163 65.20% 0.49 842.86
170 Gilbert Mingo 412 450 -38 -8.44% 0.99 416.16
171 Fairview Marion 411 408 3 0.74% 0.28 1,467.86
172 Jane Lew Lewis 404 409 -5 -1.22% 0.24 1,683.33
173 Windsor Heights village Brooke 394 423 -29 -6.86% 0.14 2,814.29
Kincaid CDP Fayette 392 260 132 50.77% 0.86 455.81
Springfield CDP Hampshire 389 477 -88 -18.45% 1.34 290.30
174 West Logan Logan 389 424 -35 -8.25% 0.34 1,144.12
Charlton Heights CDP Fayette 382 406 -24 -5.91% 0.41 931.71
Matheny CDP Wyoming 379 531 -152 -28.63% 3.5 108.29
175 Farmington Marion 374 375 -1 -0.27% 0.42 890.48
176 Davy McDowell 372 420 -48 -11.43% 1.27 292.91
177 Northfork McDowell 372 429 -57 -13.29% 0.96 387.50
178 Kermit Mingo 371 406 -35 -8.62% 0.39 951.28
179 Capon Bridge Hampshire 369 355 14 3.94% 0.67 550.75
Big Creek CDP Logan 367 237 130 54.85% 0.58 632.76
180 Valley Grove village Ohio 365 378 -13 -3.44% 0.55 663.64
Reader CDP Wetzel 359 397 -38 -9.57% 0.93 386.02
181 Meadow Bridge Fayette 357 379 -22 -5.80% 0.41 870.73
Carolina CDP Marion 355 411 -56 -13.63% 0.83 427.71
182 Bramwell Mercer 352 364 -12 -3.30% 0.55 640.00
183 Ellenboro Ritchie 346 363 -17 -4.68% 1.12 308.93
Mount Carbon CDP Fayette 346 428 -82 -19.16% 0.15 2,306.67
Glen Jean CDP Fayette 340 210 130 61.90% 0.23 1,478.26
184 Handley Kanawha 336 349 -13 -3.72% 0.95 353.68
Chauncey CDP Logan 331 283 48 16.96% 1.44 229.86
Comfort CDP Boone 328 306 22 7.19% 1 328.00
185 Lester Raleigh 322 348 -26 -7.47% 0.5 644.00
186 Hedgesville Berkeley 320 318 2 0.63% 0.13 2,461.54
Gypsy CDP Harrison 317 328 -11 -3.35% 0.78 406.41
187 Newburg Preston 313 329 -16 -4.86% 0.79 396.20
188 Flemington Taylor 312 312 0 0.00% 0.3 1,040.00
Itmann CDP Wyoming 302 293 9 3.07% 0.99 305.05
189 Mitchell Heights Logan 302 323 -21 -6.50% 0.34 888.24
Big Chimney CDP Kanawha 301 627 -326 -51.99% 2 150.50
190 Tunnelton Preston 297 294 3 1.02% 0.33 900.00
Aurora CDP Preston 296 201 95 47.26% 2.11 140.28
191 Bradshaw McDowell 296 337 -41 -12.17% 0.77 384.42
Valley Head CDP Randolph 295 267 28 10.49% 0.98 301.02
192 Harpers Ferry Jefferson 291 286 5 1.75% 0.53 549.06
New Richmond CDP Wyoming 289 238 51 21.43% 0.43 672.09
193 Durbin Pocahontas 287 293 -6 -2.05% 0.57 503.51
194 Albright Preston 286 299 -13 -4.35% 0.23 1,243.48
195 Quinwood Greenbrier 286 290 -4 -1.38% 0.35 817.14
Great Cacapon CDP Morgan 284 386 -102 -26.42% 0.86 330.23
196 Flatwoods Braxton 277 277 0 0.00% 0.65 426.15
197 Hundred Wetzel 276 299 -23 -7.69% 0.5 552.00
Sarah Ann CDP Logan 276 345 -69 -20.00% 1.83 150.82
198 Bayard Grant 272 290 -18 -6.21% 0.31 877.42
199 Wardensville Hardy 272 271 1 0.37% 0.32 850.00
Deep Water CDP Fayette 271 280 -9 -3.21% 0.88 307.95
200 Cairo Ritchie 267 281 -14 -4.98% 0.47 568.09
201 Iaeger McDowell 267 302 -35 -11.59% 0.79 337.97
Prichard CDP Wayne 267 527 -260 -49.34% 1.11 240.54
202 Henderson Mason 266 271 -5 -1.85% 0.42 633.33
203 Hendricks Tucker 265 272 -7 -2.57% 0.34 779.41
Kimberly CDP Fayette 261 287 -26 -9.06% 0.89 293.26
Green Spring CDP Hampshire 252 218 34 15.60% 2.2 114.55
Bartley CDP McDowell 250 224 26 11.61% 1.14 219.30
204 Hillsboro Pocahontas 247 260 -13 -5.00% 0.36 686.11
Henlawson CDP Logan 244 442 -198 -44.80% 0.8 305.00
Burlington CDP Mineral 243 182 61 33.52% 1.23 197.56
205 Keystone McDowell 243 282 -39 -13.83% 0.32 759.38
206 Womelsdorf (Coalton) Randolph 242 250 -8 -3.20% 0.41 590.24
Racine CDP Boone 235 256 -21 -8.20% 0.48 489.58
Rachel CDP Marion 234 248 -14 -5.65% 0.34 688.24
207 Hambleton Tucker 225 232 -7 -3.02% 0.12 1,875.00
208 Elk Garden Mineral 224 232 -8 -3.45% 0.26 861.54
Green Bank CDP Pocahontas 223 143 80 55.94% 3.28 67.99
209 Huttonsville Randolph 218 221 -3 -1.36% 0.3 726.67
210 Matoaka  Mercer 218 227 -9 -3.96% 0.26 838.46
Waverly CDP Wood 215 395 -180 -45.57% 1.48 145.27
211 Falling Spring Greenbrier 208 211 -3 -1.42% 0.51 407.84
Brenton CDP Wyoming 207 249 -42 -16.87% 0.63 328.57
Amherstdale CDP Logan 205 350 -145 -41.43% 2.95 69.49
Idamay CDP Marion 204 611 -407 -66.61% 0.88 231.82
212 Anawalt McDowell 202 226 -24 -10.62% 0.58 348.28
Corinne CDP Wyoming 200 362 -162 -44.75% 0.37 540.54
Arbovale CDP Pocahontas 197
Pentress CDP Monongalia 197 175 22 12.57% 0.61 322.95
Big Sandy CDP McDowell 185 168 17 10.12% 0.53 349.06
Century CDP Barbour 185 115 70 60.87% 0.13 1,423.08
213 Blacksville Monongalia 183 171 12 7.02% 0.3 610.00
Apple Grove CDP Mason 175 204 -29 -14.22% 2.3 76.09
Crum CDP Wayne 175 182 -7 -3.85% 0.51 343.14
Covel CDP Wyoming 174 142 32 22.54% 0.21 828.57
Hico CDP Fayette 174 272 -98 -36.03% 5.01 34.73
214 Kimball McDowell 173 194 -21 -10.82% 0.25 692.00
215 Reedy Roane 172 182 -10 -5.49% 0.19 905.26
216 Rhodell Raleigh 167 173 -6 -3.47% 0.31 538.71
Monaville CDP Logan 166 309 -143 -46.28% 0.46 360.87
Twilight CDP Boone 165 90 75 83.33% 0.5 330.00
217 Pax Fayette 162 167 -5 -2.99% 0.3 540.00
Page CDP Fayette 161 224 -63 -28.13% 0.44 365.91
218 Worthington Marion 159 158 1 0.63% 0.58 274.14
219 Camden-on-Gauley Webster 157 169 -12 -7.10% 0.33 475.76
220 Smithfield Wetzel 157 145 12 8.28% 0.29 541.38
221 Leon Mason 156 158 -2 -1.27% 0.32 487.50
222 Montrose Randolph 156 156 0 0.00% 0.63 247.62
Crumpler CDP McDowell 155 204 -49 -24.02% 1.5 103.33
223 Sand Fork Gilmer 155 159 -4 -2.52% 0.32 484.38
Falls View CDP Fayette 152 238 -86 -36.13% 0.33 460.61
Maybeury CDP McDowell 149 234 -85 -36.32% 1.67 89.22
224 Sylvester Boone 149 160 -11 -6.88% 0.25 596.00
Huntersville CDP Pocahontas 146 73 73 100.00% 1.13 129.20
225 Harman Randolph 142 143 -1 -0.70% 0.32 443.75
226 Pullman Ritchie 142 154 -12 -7.79% 0.24 591.67
Dixie CDP Nicholas & Fayette 135 291 -156 -53.61% 0.73 184.93
Fenwick CDP Nicholas 130 116 14 12.07% 0.14 928.57
227 Friendly Tyler 129 132 -3 -2.27% 0.09 1,433.33
Neibert CDP Logan 128 183 -55 -30.05% 0.61 209.84
Wolf Summit CDP Harrison 124 272 -148 -54.41% 0.36 344.44
Glen Ferris CDP Fayette 123 203 -80 -39.41% 1.38 89.13
Littleton CDP Wetzel 123 198 -75 -37.88% 0.66 186.36
Galloway CDP Barbour 122 143 -21 -14.69% 0.63 193.65
Brandywine CDP Pendleton 119 218 -99 -45.41% 0.49 242.86
228 Oakvale Mercer 119 121 -2 -1.65% 0.42 283.33
Eccles CDP Raleigh 118 362 -244 -67.40% 0.69 171.01
Beards Fork CDP Fayette 115 199 -84 -42.21% 1.68 68.45
Helen CDP Raleigh 114 219 -105 -47.95% 0.24 475.00
229 Brandonville Preston 106 101 5 4.95% 0.39 271.79
Jacksonburg CDP Wetzel 106 182 -76 -41.76% 1.48 71.62
Dailey CDP Randolph 101 114 -13 -11.40% 0.51 198.04
Prince CDP Fayette 100 116 -16 -13.79% 1.83 54.64
Van CDP Boone 98 211 -113 -53.55% 0.6 163.33
Belva CDP Nicholas 95 95 0 0.00% 0.14 678.57
230 Auburn Ritchie 92 97 -5 -5.15% 0.33 278.79
Pageton CDP McDowell 88 187 -99 -52.94% 1.2 73.33
231 Bruceton Mills Preston 87 85 2 2.35% 0.06 1,450.00
Frank CDP Pocahontas 81 90 -9 -10.00% 0.38 213.16
Vivian CDP McDowell 75 82 -7 -8.54% 0.36 208.33
Bergoo CDP Webster 64 94 -30 -31.91% 0.21 304.76
St. George CDP Tucker 63
Birch River CDP Nicholas 62 107 -45 -42.06% 0.37 167.57
Cucumber CDP McDowell 57 94 -37 -39.36% 0.45 126.67
Whitmer CDP Randolph 55 106 -51 -48.11% 0.42 130.95
Roderfield CDP McDowell 51 188 -137 -72.87% 0.26 196.15
Bartow CDP Pocahontas 47 111 -64 -57.66% 0.46 102.17
Cass CDP Pocahontas 47 52 -5 -9.62% 0.79 59.49
Parcoal CDP Webster 43
Pickens CDP Randolph 33 66 -33 -50.00% 2.03 16.26
Helvetia CDP Randolph 31 59 -28 -47.46% 1.81 17.13
Tioga CDP Nicholas 10 98 -88 -89.80% 0.62 16.13
232 Thurmond Fayette 5 5 0 0.00% 0.09 55.56

Annual Estimates of the Resident Population: April 1, 2010 to July 1, 2016
Source: U.S. Census Bureau, Population Division
Release Date: May 2017.

University of Charleston, in West Virginia.

Qualifying for a Home Loan in West Virginia

Conforming Mortgages

West Virginia Conforming Mortgages were established to support a certain a segment of the population that is low and middle class. Fannie Mae and Freddie Mac oversee the program, and the Federal Government provides the funding. The interest rates must be lower than with traditional loans. Interest rates lenders quoted online can vary, with some being as low as 4.625% up to 5.125%.

As of 2018 the conforming loan limit across the United States is set to $453,100, with a ceiling of 150% that amount in areas where median home values are higher. Local affordability makes the $453,100 ceiling apply across most the state for single unit homes. Dual unit homes have a limit of $580,150, triple unit homes have a limit of $701,250 & quadruple unit homes have a limit of $871,450. People buying properties in the suburban area of Washington D.C. have higher conforming mortgage thresholds.

County Metropolitan Designation 1 Unit Limit 2 Unit Limit 3 Unit Limit 4 Unit Limit
Jefferson Washington-Arlington-Alexandria, Dc-Va- $679,650 $870,225 $1,051,875 $1,307,175

Home buyers who are borrowing more than the above amounts will likely need to obtain a jumbo mortgage. Jumbo loans typically have a slightly higher rate of interest than conforming mortgages, though spreads vary based on credit market conditions.

Several different types of home loans are available in the Mountain State. Fixed-rate loans are very common, and the terms include thirty, twenty, fifteen, and ten years. The longer the life of the mortgage, the lower the monthly payment will be, which is why the 30-year loan is the most popular. The downside of this, however, is that the APR is higher compared to shorter-term loans. The difference can be as large as a full percentage point.

In addition to conventional 30-year and 15-year fixed-rate mortgages, lenders offer a wide variety of adjustable rate mortgages (ARM’s). While these instruments have lost some of their attractiveness during the recession, there are still circumstances where they offer the only way for a borrower to qualify. Properly structured (that is, with strict limits on how much the rate can fluctuate), such loans are still a legitimate way for borrowers to purchase a home and start building equity while establishing their credit so as to qualify for conventional loans upon the ARM’s expiration. These loans provide interest rates that fluctuate, as the name implies. The APR is usually fixed for an initial term, such as three, five, seven or ten years. Then the rate adjusts depending on the performance of a referenced index rate, usually once per year; but it can change more frequently. The loan agreement may state in detail how frequently the APR can change, and it may also include a rate cap to prevent large changes.

Balloon mortgages are another route for aspiring homeowners. Balloon mortgages are when a large portion of the borrowed principle is repaid in a single payment at the end of the loan period. Balloon loans are not common for most residential buyers, but are more common for commercial loans and people with significant financial assets.

A few lenders in the state offer interest-only loans, but usually only for periods of three years. These are mortgages where payments are applied only to interest for a period of time. The loan's principal isn't paid down, so the monthly payments are very low. The low monthly payments only lasts a few years, however. Typically, it's about three years. After this period, monthly payments spike because the loan's principal hasn't been reduced & the remainder of the loan must be paid off in a compressed period of time. For example, on a 3 year IO 30-year loan, the first 3 years are interest only payments, then the loan principal must be paid in full in the subsequent 27 years.

When qualifying for a loan, a credit score of 720 or better can help secure a favorable loan. Some mortgage lenders have approved borrowers with credit scores around 640. The best rates and deals will be obtained with a score above 740. There is a lot of competition among lenders, and this environment can create nice perks for borrowers. For example, some banks will offer special deals on closing costs for borrowers who qualify. The cost might be added to the mortgage or the bank will pay the closing costs but add a few basis points to the APR.

A debt-to-income ratio of 40% and a down payment of 20% are what most banks want to see on a home loan application. They will accept worse numbers, but fees and APR's could go up as a result. Also, a down payment of less than 20% typically results in required mortgage insurance. This down payment requirement does not apply for Federal assistance programs such as FHA, in which applicants can have a lower credit score and income but still receive financing.

The piggyback loan is another type of mortgage which is simply two mortgages in one. The piggyback loan can eliminate the need for private mortgage insurance by covering 80% of the home's value with the first loan, while the second loan helps to pay for part of the down payment.

Government Programs

Federal Assistance Programs

Prospective home buyers who don't find what they're looking for at one of the state's private banks may want to take a look at some of the mortgage options the federal government offers. One of them is the loan program at the Veterans Administration, which provides mortgages with zero down. On top of that great deal, VA loans do not require private mortgage insurance. The agency does, however, charge a funding fee, and this varies from 1.2% to 3.3%. Making a voluntary down payment will reduce this charge. And in case you're wondering, yes you do have to be a qualified veteran to get one of these unbeatable deals.

If you're not a vet, you may want to consider the Federal Housing Administration's home loan services. The FHA offers loans to people who have a credit score of at least 580 and who can put at least 3.5% down. The government agency also offers mortgages for lower credit scores, but it requires more money down with these loans.

USDA loans can help people with low incomes in rural parts of the state qualify for a subsidized low-interest loan. Given the low population density throughout most of the state, most areas qualify.

West Virginia Home Loan Programs

West Virginia Homeownership Program
The West Virginia Homeownership Program allows prospective homeowners to be able to afford a mortgage better. Borrowers may also be eligible for down payment and closing cost assistance as well as a mortgage loan with lower interest rates. To be eligible, applicants must have an income that is below the county limit, the property must not exceed the housing price limit, and applicants must plan to have a primary interest in the property they purchase with the program's funding.

This program's funding comes in the form of a mortgage that is fixed-rate and comes in 30-year terms. Applicants are allowed to finance up to 100% of their home's purchase price with the mortgage.

West Virginia's Closing Cost and Down Payment Program
If an applicant qualifies for the Homeownership program, they may be eligible for the closing cost or down payment assistance program as well. If they are, they'll get up to $7,500 if their loan has a loan-to-value ratio that is greater than 90% of the property's purchase price. If the homebuyer has a loan-to-value ratio that is less than 90% of the property's purchase price, they'll be eligible for up to $10,000 in funding.

This funding comes in the form of a fixed-rate loan that has interest rates way below the current market rate. As of 2017, the current interest rate on this loan for this program is 2%. Applicants can choose to use this funding for closing costs and its associated fees, or for a down payment on their home.

Movin Up Loan Program
The Moving Up Loan Program was designed to help moderate-income home buyers afford to buy a larger home. This program is different as it isn't geared toward just first-time homebuyers, and almost anyone is eligible. The applicants will have to meet some limits and requirements to be considered eligible for this program. They have to have an annual income that is at or below $113,760 for a one to a two-person household, or they have to have $132,720 or below for a household of three or more people.

Also, the homebuyer must purchase a home in West Virginia, and the home must be either a single-family home, condo, manufactured home, or a townhome. Applicants must also complete a homebuyer education course before they get funding. They'll also be eligible for down payment and closing cost assistance as well.

Skyline of Charleston, WV.

Natural Disasters

West Virginia has a very low risk of earthquakes or tornadoes.

Most of the state has a low to very low risk of hail. The following counties have a moderate risk of hail: Berkeley, Jefferson, Lewis, Morgan & Wood.

Most counties across the state have a very low risk of wildfires. Boone, Mingo & Raleigh have a low risk while Lincoln & Monroe have a moderate risk.

Flood Insurance

Homeowner's insurance policies typically do not cover flooding.

Most of the state of West Virginia has a relatively elevated flooding risk when compared against other states. Here are counties across the state which have a flooding risk profile above very low.

  • Low risk: Braxton, Fayette, Hancock, Hardy, Marion, Mercer, Monongalia
  • Moderate risk: Cabell, Clay, Greenbrier, Harrison, Jackson, Lewis, Logan, Mason, Mingo, Nicholas, Pleasants, Pocahontas, Preston, Putnam, Raleigh, Randolph, Summers, Taylor, Tyler, Wayne, Wirt, Wood, Wyoming
  • High risk: Brooke, Calhoun, Gilmer, Kanawha, Marshall, Mineral, Roane, Tucker, Upshur
  • Very high risk: Barbour, Boone, Lincoln , McDowell, Ohio, Webster, Wetzel

Home buyers with mortgages in high-risk areas are required to buy flood insurance. Most flood insurance policies are sold by the United States federal government through The National Flood Insurance Program. Under-priced flood insurance in high-risk areas act as a subsidy to wealthy homeowners.

The NFIP does not charge nearly enough to cover the expected costs of its liabilities. The assessments are not sufficient to build any buffer to cover an extraordinary year, such as what occurred with Hurricane Katrina in 2005 or Hurricane Sandy in 2012. Because homeowners don€™t incur the full cost of building in a flood zone we end up with more houses there than if homeowners incurred the full cost of the flood risk, which exacerbates the government€™s costs in the next disaster.

Typically, homes built after 2002, when building code regulations tightened, are subject to lower insurance rates than older homes. On the other hand, homes with roofs that do not meet current standards for wind, with older plumbing or with outdated electrical systems may be difficult €“ or very expensive €“ to insure.

Homeowners who live in lower risk areas & are not required to purchase flood insurance heavily cross-subsidize homeowners who are in areas where floods are more common.

Earthquakes

Most of West Virginia has a very low earthquake risk, while the southern edge of the state has a low earthquake risk. Standard rental and homeowner insurance policies typically do not cover earthquake damage, though they usually cover losses caused by fires which resulted from an earthquake. You can supplement your homeowner's insurance with an earthquake policy.

Hail

Hail damage is not uncommon across the state. Damage from hail is typically covered by home insurance policies.

New River Gorge Bridge in West Virginia.

West Virginia Real Estate Laws

Property Taxes

West Virginia has the sixth-lowest property tax rate in the nation. In 2016 the average assessment was 0.57% in the state compared to a national average of 1.24%. The current property tax rate averages out to be $464 per year for a home that costs $94,000. This rate is around 1.03% of the homeowner's annual income. Each county has different property taxes, and Jefferson County has West Virginia's highest property tax rate at $1,379 per year. The county with the lowest property tax rate in West Virginia is Webster County with an annual rate of $235 per household. Single family homes have a median price of $271,585 across the state, which leads to an average assessment of $802.

West Virginia Homestead Law

In the event a homeowner faces financial hardship and has to declare bankruptcy, these laws allow the homeowner to protect part of their property from creditors who would take it to satisfy their debts. West Virginia has a slightly lower rate than a homeowner can claim under the Homestead Law. Currently, homeowners can claim up to $5,000 in real estate and an additional $1,000 in personal property. Once a property owner claims this, this property is safe from creditors.

Foreclosures

The state of West Virginia allows for judicial and nonjudicial foreclosures. However, most mortgage lenders choose to go through the nonjudicial foreclosure process because it is a quicker process than going through the court system.

West Virginia is also a recourse state, and this means that the mortgage lender can sue the defaulted borrower if there is a deficiency once the property sells at a foreclosure sale. A deficiency almost always occurs with a foreclosure sale, and this means that the property in question sells for less than the borrower owed. If a borrower owed $120,000 on a property and it sold at a foreclosure sale for $80,000, there would be a deficiency of $40,000. The lender can then sue the defaulted borrower for the deficient $40,000.

Depending on which foreclosure process the lender chooses to use, the deficiency judgment is handled in slightly different ways. If the lender chooses to have a judicial foreclosure, the deficiency lawsuit must be included in the original foreclosure lawsuit. If the mortgage lender chooses to have a nonjudicial foreclosure, the mortgage lender can sue the defaulted borrower once the foreclosure process is completed. Whichever way the mortgage lender chooses to go about their foreclosure process, the defaulted borrower could find their bank accounts levied and their wages garnished to satisfy the deficiency.

In West Virginia, a home buyer does not have the right of redemption if he goes through foreclosure. That is the right to buy his house back from the one who bought the house at foreclosure. A home owner who goes through foreclosure has the right to reinstate his loan by bringing it current and paying all expenses, fees, and late charges. A ten day notice must be given. Once you do so, you can continue to make payments as though you were never in default. If you are ever behind on your payments again, the lender will have to start foreclosure proceedings all over again. If a notice to default is served three or more times, however, there is no longer a right to reinstate.

Additional Resources

Visit the following resources to learn more about the West Virginia real estate market.