Average mortgage payment in Kanawha County, WV (2026)
The average mortgage payment in Kanawha County on a median-priced home (~$160,000) is roughly $1,337/month — assuming 10% down at a 6.85% 30-year fixed rate and West Virginia's 0.58% effective property tax rate (full PITI).
To carry that payment under the standard 28% front-end DTI rule, you'd need an annual household income near $57,296. County population is roughly 180,745.
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How Kanawha County compares to West Virginia
The typical home in Kanawha County is right at the statewide median of $160,000 in West Virginia. Property tax is set at the state's effective rate of 0.58% — local millage and special assessments vary by county, but this is the right starting point.
The payment above bakes in principal, interest, property tax, and homeowners insurance — it does not include HOA dues or mortgage insurance (PMI). PMI kicks in automatically when down payment is below 20% on a conventional loan. For a full breakdown, run your own numbers in the main calculator.
Frequently asked questions
What is the average mortgage payment in Kanawha County?+
On a median Kanawha County home (~$160,000) at a 6.85% 30-year fixed rate with 10% down, all-in PITI runs about $1,337/month, including ~$77 in property tax.
What income do I need to buy a home in Kanawha County?+
Using the 28% front-end DTI rule, you'd need roughly $57,296 in annual gross household income to comfortably carry the median Kanawha County home.
How does Kanawha County compare to the rest of West Virginia?+
Kanawha County's median home ($160,000) is in line with the West Virginia median of $160,000.
Does this include HOA fees or PMI?+
No. HOA dues vary too widely to assume a default — add them directly to the payment. PMI applies when you put less than 20% down on a conventional loan; the main calculator factors it in automatically.