Closing Costs in West Virginia (2026)

Buyers in West Virginia typically pay 2% to 5% of the purchase price in closing costs — roughly $5,176 to $12,940 on a median-priced home around $258,800. Our itemized estimate, including lender fees, title work, government fees, and prepaid taxes and insurance, comes to about $8,756 (3.4% of the price) with 20% down at 6.75%.

The effective property tax rate in West Virginia is approximately 0.55% of home value per year. On a median-priced home of $258,800, that works out to about $1,423 per year, or $119 per month. Several months of taxes are usually collected up front at closing to fund your escrow account.

Yes. The statewide transfer/recordation tax is about 0.44% of the sale price. At that rate on a $258,800 home, the tax is roughly $1,139 — and in this state the buyer does not customarily pay it, so it is not included in our buyer-side estimate. Everything is negotiable in the purchase contract.

The 2026 conforming loan limit in most of West Virginia is $832,750 for a one-unit home. Some high-cost counties go as high as $1,249,125. On a median-priced $258,800 home with 20% down, the loan is $207,040 — within the conforming limit in most counties. FHA limits also vary by county (2026 floor about $541,288).

With 20% down on a $258,800 home, plan for about $60,516 in total: $51,760 for the down payment plus roughly $8,756 in closing costs and prepaid items. A smaller down payment reduces the cash needed but adds PMI to your monthly payment.

On a median-priced $258,800 home with 20% down and a 30-year loan at 6.75%, the total monthly payment is about $1,536 — $1,343 in principal and interest, $119 in property taxes, and $75 in homeowners insurance.