The typical owner-occupied home in Cottageville is worth about $9,999, 94% below the West Virginia median of $162,600 and 97% below the national median of $332,700. Owners pay a median $199 a year in property taxes, about 1.99% of their home's value, higher than the West Virginia rate of 0.53%. 66% of occupied homes here are lived in by their owners, and 81% of those owners still have a mortgage.
Cottageville at a glance
| Cottageville | West Virginia | U.S. | |
|---|---|---|---|
| Median home value | $9,999 | $162,600 | $332,700 |
| Median property tax paid per year | $199 | $865 | $3,119 |
| Property tax as a share of value | 1.99% | 0.53% | 0.94% |
| Median household income | – | $59,608 | $80,734 |
| Homes lived in by their owners | 66% | 75% | 65% |
| Owner homes with a mortgage | 81% | 46% | 61% |
| Median monthly costs, owners with a mortgage | – | $1,255 | $1,963 |
| Median rent | – | $872 | $1,413 |
| Median year homes were built | 1992 | 1976 | 1980 |
| Vacant homes | 0.0% | 15.4% | 10.1% |
| Population | 310 | 1,778,373 | 334,922,499 |
What a typical home costs per month in Cottageville
At this week's average 30-year rate of 7.11%, buying the median Cottageville home of $9,999 with 20% down costs about $75 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $91, 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 $3,195 for the 20%-down payment.
| Down payment | $2,000 |
|---|---|
| Loan amount | $7,999 |
| Principal and interest | $54 |
| Property taxes (1.99% a year) | $17 |
| Homeowners insurance (our estimate, 0.5% a year) | $4 |
| PMI | $0 |
| Total per month | $75 |
Change the numbers in the calculator
| Down payment | $350 |
|---|---|
| Loan amount | $9,818 |
| Principal and interest | $66 |
| Property taxes (1.99% a year) | $17 |
| Homeowners insurance (our estimate, 0.5% a year) | $4 |
| FHA mortgage insurance | $4 |
| Total per month | $91 |
Change the numbers in the calculator
Questions about home buying in Cottageville
What is the median home value in Cottageville?
About $9,999 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
How much are property taxes in Cottageville?
Homeowners pay a median $199 a year, which is about 1.99% 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 Cottageville?
For the median home with 20% down at 7.11%, the payment is about $75 a month. Keeping that under 28% of gross income takes about $3,195 a year.
More about Cottageville
- Mortgage Refinance in Cottageville
- Debt Relief in Cottageville
- Home Equity Loans in Cottageville
- 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