West Virginia Mortgage Rates (2026)

Current average mortgage rates, median home prices, and top lenders in West Virginia. Rates apply to primary residence purchases with good credit (740+).

30yr Fixed

7.15%

Avg APR

15yr Fixed

6.55%

Avg APR

Median Price

$155,000

Median home

Monthly P&I

$827

30yr at 80% LTV

Top Mortgage Lenders in West Virginia

Rocket Mortgage

Online convenience

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30yr Fixed

15yr Fixed

6.4%

Min Down

Chase

Existing customers

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30yr Fixed

6.9%

15yr Fixed

6.3%

Min Down

Wells Fargo

Branch access

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30yr Fixed

7.1%

15yr Fixed

6.5%

Min Down

Bank of America

Preferred Rewards

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30yr Fixed

15yr Fixed

6.4%

Min Down

loanDepot

Low down payment

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30yr Fixed

6.9%

15yr Fixed

6.3%

Min Down

First-Time Buyer Programs in West Virginia

✓WVHDF Homeownership Program
✓Movin' Up Program

Mortgage Requirements in West Virginia

•Min 620 credit score for WVHDF programs
•Income limits apply
•DTI under 45%

West Virginia Housing Market Facts

West Virginia has the lowest median home price in the eastern US.

Charleston is the largest and most active market.

Despite low prices, WV has above-average mortgage rates due to risk factors.

Compare Mortgage Rates in Other States

Alabama7.05%Alaska7.12%Arizona7.02%Arkansas7.08%California6.95%Colorado7%Connecticut6.98%Delaware7%Florida7.05%Georgia7.03%Hawaii6.88%Idaho7%

View all 50 states →