The typical owner-occupied home in Sand Fork is worth about $116,200, 29% below the West Virginia median of $162,600 and 65% below the national median of $332,700. The median household earns $35,938 a year, so the median home costs 3.2 times the median income (2.7 times for West Virginia). 65% of occupied homes here are lived in by their owners, and 17% of those owners still have a mortgage.
Sand Fork at a glance
| Sand Fork | West Virginia | U.S. | |
|---|---|---|---|
| Median home value | $116,200 | $162,600 | $332,700 |
| Median property tax paid per year | – | $865 | $3,119 |
| Median household income | $35,938 | $59,608 | $80,734 |
| Homes lived in by their owners | 65% | 75% | 65% |
| Owner homes with a mortgage | 17% | 46% | 61% |
| Median monthly costs, owners with a mortgage | – | $1,255 | $1,963 |
| Those costs as a share of the owners' income | 14.2% | 17.3% | 21.0% |
| Median rent | $659 | $872 | $1,413 |
| Rent as a share of renters' income | 21.4% | 29.4% | 30.6% |
| Median year homes were built | 1970 | 1976 | 1980 |
| Vacant homes | 31.3% | 15.4% | 10.1% |
| Population | 96 | 1,778,373 | 334,922,499 |
What a typical home costs per month in Sand Fork
At this week's average 30-year rate of 7.11%, buying the median Sand Fork home of $116,200 with 20% down costs about $780 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $974, 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 $33,441 for the 20%-down payment. That payment is 26% of the median Sand Fork household income of $35,938; at that income and 20% down, the 28% guideline points to a home of about $125,000.
The median rent here is $659 a month, so owning the median home costs about $121 a month more than renting, before you count the equity you build and any tax benefits.
| Down payment | $23,240 |
|---|---|
| Loan amount | $92,960 |
| Principal and interest | $625 |
| Property taxes (1.10% a year) | $107 |
| Homeowners insurance (our estimate, 0.5% a year) | $48 |
| PMI | $0 |
| Total per month | $780 |
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| Down payment | $4,067 |
|---|---|
| Loan amount | $114,095 |
| Principal and interest | $768 |
| Property taxes (1.10% a year) | $107 |
| Homeowners insurance (our estimate, 0.5% a year) | $48 |
| FHA mortgage insurance | $51 |
| Total per month | $974 |
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Questions about home buying in Sand Fork
What is the median home value in Sand Fork?
About $116,200 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
What income do you need to buy a home in Sand Fork?
For the median home with 20% down at 7.11%, the payment is about $780 a month. Keeping that under 28% of gross income takes about $33,441 a year.
More about Sand Fork
- Mortgage Refinance in Sand Fork
- Debt Relief in Sand Fork
- Home Equity Loans in Sand Fork
- 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