Question 1

What are current mortgage rates in West Virginia?

Accepted Answer

As of March 2026, mortgage rates in West Virginia are in line with national averages. The 30-year fixed rate ranges from 6.5% to 7.2%, the 15-year fixed from 5.9% to 6.5%, and the 5/1 ARM from 5.8% to 6.4% for borrowers with good credit (700+). The best rates (starting at 6.5% for 30-year fixed) are available to borrowers with 750+ credit scores and 20%+ down payments.

Question 2

What is the West Virginia housing market like?

Accepted Answer

West Virginia has the lowest housing prices of any state in the nation. Charleston and Huntington are the main markets. While affordability is exceptional, buyers should note the state's economic challenges and population decline trends. Recent remote work migration has brought some increased demand, particularly in scenic areas near state parks. The Eastern Panhandle near Washington D.C. is significantly pricier than the rest of the state.

Question 3

How do I get the best mortgage rate in West Virginia?

Accepted Answer

To get the best mortgage rate in West Virginia, compare quotes from at least 3–5 lenders including local banks, credit unions, and online lenders. A credit score of 750 or higher, a down payment of 20% or more, and a low debt-to-income ratio will qualify you for the lowest rates. Use our Loan Finder tool to identify which loan type best fits your situation.

Mortgage Rates in West Virginia Today

Current Rate Ranges in West Virginia

West Virginia Housing Market Overview