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Mortgage Calculator &
Closing Costs: Huntington, WV

Mortgage payment estimates, closing cost breakdowns, and homebuying data for Huntington, West Virginia.

Median Home Price
$125K
Population
46K
Avg Monthly Rent
$780
Property Tax Rate
0.58%
Huntington vs West Virginia Median
The median home price in Huntington is $125,000, which is 19% below the West Virginia state median of $155,000.

Mortgage Calculator — Huntington, WV

Pre-filled with Huntington median home price and West Virginia tax/insurance rates. Adjust for your property.

$
$25,000
%
%
years
WV avg
%
$
Monthly Payment (PITI)
$809
Principal + Interest + Tax + Insurance + PMI
Principal & Interest
$632
per month
Taxes & Insurance
$177
per month
Total Interest Paid
$128K
over 30 years
Total Loan Cost
$228K
all payments
Payment Breakdown
Loan Amount$100,000
Principal & Interest$632
Property Taxes$60
Homeowners Insurance$117
Total Monthly PITI$809

Closing Costs — Huntington, WV

Estimated closing costs based on West Virginia rates and fees applied to Huntington prices.

$
%
West Virginia: Avg closing costs 1.5% of price. Transfer tax: 0.22%.
Estimated Closing Costs
$5,971
4.8% of purchase price
Lender Fees
$1,325
origination, underwriting
Third-Party
$2,075
appraisal, title, inspection
Government Fees
$275
transfer taxes, recording
Prepaids + Escrow
$2,296
taxes, insurance, interest
Itemized Costs
Loan Origination (0.8%)$900
Underwriting Fee$350
Credit Report$75
Appraisal$550
Home Inspection$450
Title Search + Insurance$925
Recording Fee$150
Transfer Tax$275
Prepaid Taxes (3 mo)$181
Prepaid Insurance (12 mo)$1,400
Prepaid Interest (15 days)$301
Escrow Reserves$415
Total Closing Costs$5,971

Buying a Home in Huntington, West Virginia

The median home price in Huntington is $125,000, 19% below the West Virginia state median of $155,000. With a population of 46,048, Huntington is a smaller market where home prices tend to be more accessible than in many parts of West Virginia.

Property taxes in West Virginia average 0.58% annually. This low property tax rate is a significant advantage for Huntington buyers, keeping your monthly costs well below what you'd pay in higher-tax states. Homeowners insurance in West Virginia runs approximately $1,400 per year. This is within the normal range nationally.

Average rent in Huntington is $780/month. With a price-to-rent ratio under 15, buying may be more cost-effective than renting in Huntington over the long term.

Huntington offers strong affordability. With median prices under $250K, first-time buyers have realistic paths to homeownership, especially combined with West Virginia's WVHDF Homeownership Program program.

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Compare total costs of renting vs buying in Huntington.
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