The typical owner-occupied home in White Sulphur Springs is worth about $117,000, 28% below the West Virginia median of $162,600 and 65% below the national median of $332,700. Owners pay a median $579 a year in property taxes, about 0.49% of their home's value, lower than the West Virginia rate of 0.53%. The median household earns $46,178 a year, so the median home costs 2.5 times the median income (2.7 times for West Virginia). 61% of occupied homes here are lived in by their owners, and 52% of those owners still have a mortgage.
White Sulphur Springs at a glance
| White Sulphur Springs | West Virginia | U.S. | |
|---|---|---|---|
| Median home value | $117,000 | $162,600 | $332,700 |
| Median property tax paid per year | $579 | $865 | $3,119 |
| Property tax as a share of value | 0.49% | 0.53% | 0.94% |
| Median household income | $46,178 | $59,608 | $80,734 |
| Homes lived in by their owners | 61% | 75% | 65% |
| Owner homes with a mortgage | 52% | 46% | 61% |
| Median monthly costs, owners with a mortgage | $1,251 | $1,255 | $1,963 |
| Those costs as a share of the owners' income | 18.4% | 17.3% | 21.0% |
| Median rent | $844 | $872 | $1,413 |
| Rent as a share of renters' income | 27.0% | 29.4% | 30.6% |
| Median year homes were built | 1962 | 1976 | 1980 |
| Vacant homes | 12.0% | 15.4% | 10.1% |
| Population | 2,549 | 1,778,373 | 334,922,499 |
What a typical home costs per month in White Sulphur Springs
At this week's average 30-year rate of 7.11%, buying the median White Sulphur Springs home of $117,000 with 20% down costs about $726 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $921, 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 $31,122 for the 20%-down payment. That payment is 19% of the median White Sulphur Springs household income of $46,178; at that income and 20% down, the 28% guideline points to a home of about $174,000.
The median rent here is $844 a month, a little more than the monthly cost of owning the median home with 20% down.
| Down payment | $23,400 |
|---|---|
| Loan amount | $93,600 |
| Principal and interest | $630 |
| Property taxes (0.49% a year) | $48 |
| Homeowners insurance (our estimate, 0.5% a year) | $49 |
| PMI | $0 |
| Total per month | $726 |
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| Down payment | $4,095 |
|---|---|
| Loan amount | $114,881 |
| Principal and interest | $773 |
| Property taxes (0.49% a year) | $48 |
| Homeowners insurance (our estimate, 0.5% a year) | $49 |
| FHA mortgage insurance | $52 |
| Total per month | $921 |
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Questions about home buying in White Sulphur Springs
What is the median home value in White Sulphur Springs?
About $117,000 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
How much are property taxes in White Sulphur Springs?
Homeowners pay a median $579 a year, which is about 0.49% 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 White Sulphur Springs?
For the median home with 20% down at 7.11%, the payment is about $726 a month. Keeping that under 28% of gross income takes about $31,122 a year.
More about White Sulphur Springs
- Mortgage Refinance in White Sulphur Springs
- Debt Relief in White Sulphur Springs
- Home Equity Loans in White Sulphur Springs
- 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