The typical owner-occupied home in Berkeley County is worth about $266,300, 64% above the West Virginia median of $162,600 and 20% below the national median of $332,700. Owners pay a median $1,398 a year in property taxes, about 0.52% of their home's value, close to the West Virginia rate of 0.53%. The median household earns $80,815 a year, so the median home costs 3.3 times the median income (2.7 times for West Virginia). 76% of occupied homes here are lived in by their owners, and 68% of those owners still have a mortgage.
Berkeley County at a glance
| Berkeley County | West Virginia | U.S. | |
|---|---|---|---|
| Median home value | $266,300 | $162,600 | $332,700 |
| Median property tax paid per year | $1,398 | $865 | $3,119 |
| Property tax as a share of value | 0.52% | 0.53% | 0.94% |
| Median household income | $80,815 | $59,608 | $80,734 |
| Homes lived in by their owners | 76% | 75% | 65% |
| Owner homes with a mortgage | 68% | 46% | 61% |
| Median monthly costs, owners with a mortgage | $1,521 | $1,255 | $1,963 |
| Those costs as a share of the owners' income | 19.2% | 17.3% | 21.0% |
| Median rent | $1,233 | $872 | $1,413 |
| Rent as a share of renters' income | 29.0% | 29.4% | 30.6% |
| Median year homes were built | 1996 | 1976 | 1980 |
| Vacant homes | 5.2% | 15.4% | 10.1% |
| Population | 129,514 | 1,778,373 | 334,922,499 |
What a typical home costs per month in Berkeley County
At this week's average 30-year rate of 7.11%, buying the median Berkeley County home of $266,300 with 20% down costs about $1,659 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $2,103, 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 $71,121 for the 20%-down payment. That payment is 25% of the median Berkeley County household income of $80,815; at that income and 20% down, the 28% guideline points to a home of about $303,000.
The median rent here is $1,233 a month, so owning the median home costs about $426 a month more than renting, before you count the equity you build and any tax benefits.
| Down payment | $53,260 |
|---|---|
| Loan amount | $213,040 |
| Principal and interest | $1,433 |
| Property taxes (0.52% a year) | $115 |
| Homeowners insurance (our estimate, 0.5% a year) | $111 |
| PMI | $0 |
| Total per month | $1,659 |
Change the numbers in the calculator
| Down payment | $9,320 |
|---|---|
| Loan amount | $261,477 |
| Principal and interest | $1,759 |
| Property taxes (0.52% a year) | $115 |
| Homeowners insurance (our estimate, 0.5% a year) | $111 |
| FHA mortgage insurance | $118 |
| Total per month | $2,103 |
Change the numbers in the calculator
Questions about home buying in Berkeley County
What is the median home value in Berkeley County?
About $266,300 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
How much are property taxes in Berkeley County?
Homeowners pay a median $1,398 a year, which is about 0.52% 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 Berkeley County?
For the median home with 20% down at 7.11%, the payment is about $1,659 a month. Keeping that under 28% of gross income takes about $71,121 a year.
More about Berkeley County
- Mortgage Refinance in Berkeley County
- Debt Relief in Berkeley County
- Home Equity Loans in Berkeley County
- 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