West Virginia mortgage calculator

30-year fixed mortgage calculator with West Virginia-specific defaults. Median home price $165,000 · property tax effective rate 0.55%. All inputs update live; share your scenario as a URL.

Median home price reconciled 2026-04-22. Source: Zillow Home Value Index, state-level.

Your loan

Home price

$100k$2M

Down payment$33,000

Interest rate30-yr avg: 6.875%

Loan term

Taxes & insurance

(optional, but realistic)

State

West Virginia

State pre-set for this page. Switch state

Property tax rate

~$76 per month

Homeowner insurance

HOA dues (if any)

PMI required. With 20% down (LTV 80.0%), private mortgage insurance is added at 0.50% of the loan annually — that's $55/month. PMI auto-removes at month 28 (78% LTV, per the Homeowners Protection Act).

Extra payments

(optional — accelerate payoff)

Biweekly paymentsPay half the monthly amount every two weeks (26 half-payments per year ≈ 13 monthly equivalents). Typically saves 4-7 years and tens of thousands in interest on a 30-year loan.

Extra each month

Applied as additional principal every month.

One-time lump sum

Single payment toward principal at the specified month (e.g. tax refund or bonus).

Estimated monthly payment

For a $165,000 home, 20% down, 6.875% APR, 30-year fixed in West Virginia.

Where your payment goes

Principal & interest$867

Property tax$76

Homeowner insurance$145

PMI$55

Loan amount

$132,000

Total interest

$180,173

Total paid

$312,173

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How your balance falls over time

The crossover point — where more of each payment goes to principal than interest — is at year 20.

BalanceInterest paidPrincipal paid

Amortization schedule

Year-by-year breakdown of every payment.

Period	Payment	Principal	Interest	Total interest paid	Balance
Y01Year 1	$10,406	$1,373	$9,032	$9,032	$130,627
Y02Year 2	$10,406	$1,471	$8,935	$17,967	$129,156
Y03Year 3	$10,406	$1,575	$8,830	$26,797	$127,580
Y04Year 4	$10,406	$1,687	$8,719	$35,516	$125,893
Y05Year 5	$10,406	$1,807	$8,599	$44,115	$124,086
Y06Year 6	$10,406	$1,935	$8,471	$52,586	$122,151
Y07Year 7	$10,406	$2,072	$8,333	$60,919	$120,079
Y08Year 8	$10,406	$2,219	$8,186	$69,105	$117,859
Y09Year 9	$10,406	$2,377	$8,029	$77,134	$115,483
Y10Year 10	$10,406	$2,546	$7,860	$84,995	$112,937
Y11Year 11	$10,406	$2,726	$7,680	$92,674	$110,211
Y12Year 12	$10,406	$2,920	$7,486	$100,160	$107,291
Y13Year 13	$10,406	$3,127	$7,279	$107,439	$104,164
Y14Year 14	$10,406	$3,349	$7,057	$114,496	$100,816
Y15Year 15	$10,406	$3,586	$6,819	$121,316	$97,230
Y16Year 16	$10,406	$3,841	$6,565	$127,881	$93,389
Y17Year 17	$10,406	$4,113	$6,292	$134,173	$89,276
Y18Year 18	$10,406	$4,405	$6,001	$140,174	$84,870
Y19Year 19	$10,406	$4,718	$5,688	$145,862	$80,153
Y20Year 20	$10,406	$5,052	$5,353	$151,215	$75,100
Y21Year 21	$10,406	$5,411	$4,995	$156,210	$69,689
Y22Year 22	$10,406	$5,795	$4,611	$160,821	$63,894
Y23Year 23	$10,406	$6,206	$4,200	$165,020	$57,688
Y24Year 24	$10,406	$6,647	$3,759	$168,780	$51,041
Y25Year 25	$10,406	$7,118	$3,288	$172,067	$43,923
Y26Year 26	$10,406	$7,623	$2,782	$174,850	$36,300
Y27Year 27	$10,406	$8,164	$2,242	$177,091	$28,136
Y28Year 28	$10,406	$8,744	$1,662	$178,753	$19,392
Y29Year 29	$10,406	$9,364	$1,042	$179,795	$10,028
Y30Year 30	$10,406	$10,028	$377	$180,173	$0

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West Virginia — related

West Virginia income tax

Top marginal 4.82% · 5 brackets

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Compare scenarios

Up to three mortgage scenarios side-by-side with a differential row.

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National 30-year fixed

Same calculator with cross-state defaults; manually pick any state.

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Last updated 2026-05-13