The typical owner-occupied home in West Liberty is worth about $173,700, 19% below the Ohio median of $214,800 and 48% below the national median of $332,700. Owners pay a median $1,890 a year in property taxes, about 1.09% of their home's value, lower than the Ohio rate of 1.31%. The median household earns $52,031 a year, so the median home costs 3.3 times the median income (3.0 times for Ohio). 54% of occupied homes here are lived in by their owners, and 70% of those owners still have a mortgage.
West Liberty at a glance
| West Liberty | Ohio | U.S. | |
|---|---|---|---|
| Median home value | $173,700 | $214,800 | $332,700 |
| Median property tax paid per year | $1,890 | $2,822 | $3,119 |
| Property tax as a share of value | 1.09% | 1.31% | 0.94% |
| Median household income | $52,031 | $71,389 | $80,734 |
| Homes lived in by their owners | 54% | 67% | 65% |
| Owner homes with a mortgage | 70% | 61% | 61% |
| Median monthly costs, owners with a mortgage | $1,344 | $1,517 | $1,963 |
| Those costs as a share of the owners' income | 18.3% | 18.6% | 21.0% |
| Median rent | $638 | $1,034 | $1,413 |
| Rent as a share of renters' income | 27.0% | 28.3% | 30.6% |
| Median year homes were built | 1961 | 1970 | 1980 |
| Vacant homes | 19.5% | 8.1% | 10.1% |
| Population | 1,494 | 11,810,293 | 334,922,499 |
What a typical home costs per month in West Liberty
At this week's average 30-year rate of 7.11%, buying the median West Liberty home of $173,700 with 20% down costs about $1,165 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $1,454, because the loan is bigger and FHA adds mortgage insurance.
Lenders usually want housing costs under about 28% of gross income, which means an income of roughly $49,926 for the 20%-down payment. That payment is 27% of the median West Liberty household income of $52,031; at that income and 20% down, the 28% guideline points to a home of about $181,000.
The median rent here is $638 a month, so owning the median home costs about $527 a month more than renting, before you count the equity you build and any tax benefits.
| Down payment | $34,740 |
|---|---|
| Loan amount | $138,960 |
| Principal and interest | $935 |
| Property taxes (1.09% a year) | $158 |
| Homeowners insurance (our estimate, 0.5% a year) | $72 |
| PMI | $0 |
| Total per month | $1,165 |
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| Down payment | $6,080 |
|---|---|
| Loan amount | $170,554 |
| Principal and interest | $1,147 |
| Property taxes (1.09% a year) | $158 |
| Homeowners insurance (our estimate, 0.5% a year) | $72 |
| FHA mortgage insurance | $77 |
| Total per month | $1,454 |
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Questions about home buying in West Liberty
What is the median home value in West Liberty?
About $173,700 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
How much are property taxes in West Liberty?
Homeowners pay a median $1,890 a year, which is about 1.09% of the median home value. Your bill depends on your home's assessed value and local rates.
What income do you need to buy a home in West Liberty?
For the median home with 20% down at 7.11%, the payment is about $1,165 a month. Keeping that under 28% of gross income takes about $49,926 a year.
More about West Liberty
- Mortgage Refinance in West Liberty
- Debt Relief in West Liberty
- Home Equity Loans in West Liberty
- Guides and quotes for mortgage refinance on our sister site, MortgageRefinance.com
Sources: U.S. Census Bureau, American Community Survey 2020–2024 5-year estimates; Freddie Mac Primary Mortgage Market Survey, week of November 12, 2026. Estimates for small places have wide margins of error. About our data