How your housing costs change when you relocate. Based on 2026 data with 10% down, 6.5% rate, 30-year fixed.
Your housing costs will increase by approximately $1,709 per month ($20,508/year) when you move from West Virginia to Virginia.
If you sell your median-priced West Virginia home ($155K) and buy in Virginia ($400K):
Your West Virginia equity falls $34K short of a 20% down payment in Virginia. You may need additional savings or could consider a lower down payment with PMI.
Over 10 years, this move costs you approximately $205K in housing costs alone.
Housing costs more in Virginia. The median home is 61% higher than in West Virginia — a $245K jump. You may need to adjust your expectations on square footage or location, or come with a larger down payment to keep your monthly costs manageable.
When you buy in Virginia, expect about $6K in closing costs (1.5% of purchase price). This includes a 0.25% transfer tax. Budget for this amount on top of your down payment.
Virginia's Virginia Housing DPA Grant offers Up to 2.5% grant. If you haven't owned a home in three years (or are buying in Virginia for the first time), you may qualify. Check eligibility requirements and income limits on Virginia's housing finance agency website.