West Virginia mortgage rates and costs by county, 2025
Median figures from closed, first-lien, owner-occupied home loans reported under HMDA. Each county page breaks the numbers down by lender. Counties with fewer than 5 qualifying loans are not listed; see the methodology.
| County | Purchase loans | Median rate | Median total costs | Refinance rate |
|---|---|---|---|---|
| Berkeley County | 2,245 | 6.49% | $8,027 | 6.125% |
| Jefferson County | 1,407 | 6.25% | $7,736 | 6.125% |
| Kanawha County | 1,351 | 6.5% | $5,091 | 6.375% |
| Monongalia County | 953 | 6.375% | $4,696 | 6.375% |
| Cabell County | 705 | 6.625% | $5,111 | 6.5% |
| Raleigh County | 613 | 6.625% | $5,038 | 6.3% |
| Wood County | 611 | 6.5% | $5,227 | 6.47% |
| Putnam County | 577 | 6.5% | $5,170 | 6.25% |
| Harrison County | 496 | 6.353% | $4,538 | 6.25% |
| Marion County | 472 | 6.35% | $4,733 | 6.2% |
| Mercer County | 366 | 6.625% | $5,230 | 6.45% |
| Ohio County | 293 | 6.375% | $4,138 | 6.5% |
| Wayne County | 240 | 6.625% | $5,140 | 6.412% |
| Greenbrier County | 235 | 6.5% | $4,234 | 6.5% |
| Morgan County | 228 | 6.575% | $6,100 | 6.125% |
| Hancock County | 227 | 6.5% | $4,012 | 6.375% |
| Fayette County | 224 | 6.5% | $4,510 | 6.625% |
| Mineral County | 218 | 6.5% | $4,541 | 6.125% |
| Hampshire County | 215 | 6.5% | $6,643 | 6.25% |
| Marshall County | 201 | 6.46% | $4,927 | 6.25% |
| Jackson County | 197 | 6.5% | $5,819 | 6.49% |
| Preston County | 194 | 6.5% | $5,428 | 6.25% |
| Mason County | 172 | 6.625% | $4,952 | 6.49% |
| Logan County | 160 | 6.75% | $6,122 | 6.49% |
| Nicholas County | 155 | 6.75% | $4,677 | 6.624% |
| Brooke County | 135 | 6.5% | $4,320 | 6.375% |
| Randolph County | 120 | 6.625% | $6,018 | 6.375% |
| Upshur County | 120 | 6.625% | $5,080 | 6.25% |
| Hardy County | 115 | 6.625% | $6,021 | 6% |
| Boone County | 106 | 6.875% | $5,783 | 6.47% |
| Taylor County | 105 | 6.5% | $5,288 | 6.25% |
| Lincoln County | 87 | 6.75% | $5,795 | 6.29% |
| Wetzel County | 86 | 6.495% | $4,609 | 6% |
| Lewis County | 83 | 6.5% | $5,113 | 6.525% |
| Monroe County | 81 | 6.75% | $5,449 | 6.562% |
| Wyoming County | 75 | 6.75% | $5,779 | 7.062% |
| Grant County | 69 | 6.75% | $5,584 | 6.125% |
| Roane County | 67 | 6.6% | $4,707 | 6.375% |
| Barbour County | 65 | 6.625% | $6,130 | 6.5% |
| Braxton County | 64 | 6.75% | $5,158 | 6.49% |
| Summers County | 62 | 6.75% | $5,198 | 6.688% |
| Mingo County | 57 | 6.875% | $4,801 | 6.49% |
| Pleasants County | 52 | 6.5% | $7,330 | 6.812% |
| Pendleton County | 49 | 6.625% | $5,547 | 6.5% |
| Clay County | 39 | 6.688% | $4,485 | 6.375% |
| Pocahontas County | 37 | 6.625% | $4,268 | 6.188% |
| Wirt County | 36 | 6.75% | $5,181 | 6.25% |
| Tyler County | 34 | 6.495% | $4,949 | 6.99% |
| McDowell County | 31 | 7.5% | $4,868 | 5.99% |
| Tucker County | 29 | 6.625% | $5,183 | 6.375% |
| Ritchie County | 26 | 6.75% | $5,394 | 6.687% |
| Doddridge County | 23 | 6.656% | $4,650 | 6.562% |
| Calhoun County | 20 | 6.812% | $5,437 | 5.807% |
| Webster County | 16 | 6.562% | $3,268 | 6.75% |
| Gilmer County | 16 | 7% | $5,971 | 6.058% |
Purchase loans sorted by loan count. Medians describe what closed loans looked like, under those borrowers' profiles and loan sizes; they are not quotes. Source: FFIEC HMDA Modified LAR, filing year 2025.