The typical owner-occupied home in Saint Albans is worth about $140,800, 13% below the West Virginia median of $162,600 and 58% below the national median of $332,700. Owners pay a median $975 a year in property taxes, about 0.69% of their home's value, higher than the West Virginia rate of 0.53%. The median household earns $53,972 a year, so the median home costs 2.6 times the median income (2.7 times for West Virginia). 72% of occupied homes here are lived in by their owners, and 55% of those owners still have a mortgage.
Saint Albans at a glance
| Saint Albans | West Virginia | U.S. | |
|---|---|---|---|
| Median home value | $140,800 | $162,600 | $332,700 |
| Median property tax paid per year | $975 | $865 | $3,119 |
| Property tax as a share of value | 0.69% | 0.53% | 0.94% |
| Median household income | $53,972 | $59,608 | $80,734 |
| Homes lived in by their owners | 72% | 75% | 65% |
| Owner homes with a mortgage | 55% | 46% | 61% |
| Median monthly costs, owners with a mortgage | $1,114 | $1,255 | $1,963 |
| Those costs as a share of the owners' income | 17.1% | 17.3% | 21.0% |
| Median rent | $931 | $872 | $1,413 |
| Rent as a share of renters' income | 29.8% | 29.4% | 30.6% |
| Median year homes were built | 1956 | 1976 | 1980 |
| Vacant homes | 11.9% | 15.4% | 10.1% |
| Population | 10,522 | 1,778,373 | 334,922,499 |
What a typical home costs per month in Saint Albans
At this week's average 30-year rate of 7.11%, buying the median Saint Albans home of $140,800 with 20% down costs about $897 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $1,132, 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 $38,459 for the 20%-down payment. That payment is 20% of the median Saint Albans household income of $53,972; at that income and 20% down, the 28% guideline points to a home of about $198,000.
The median rent here is $931 a month, a little more than the monthly cost of owning the median home with 20% down.
| Down payment | $28,160 |
|---|---|
| Loan amount | $112,640 |
| Principal and interest | $758 |
| Property taxes (0.69% a year) | $81 |
| Homeowners insurance (our estimate, 0.5% a year) | $59 |
| PMI | $0 |
| Total per month | $897 |
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| Down payment | $4,928 |
|---|---|
| Loan amount | $138,250 |
| Principal and interest | $930 |
| Property taxes (0.69% a year) | $81 |
| Homeowners insurance (our estimate, 0.5% a year) | $59 |
| FHA mortgage insurance | $62 |
| Total per month | $1,132 |
Change the numbers in the calculator
Questions about home buying in Saint Albans
What is the median home value in Saint Albans?
About $140,800 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
How much are property taxes in Saint Albans?
Homeowners pay a median $975 a year, which is about 0.69% 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 Saint Albans?
For the median home with 20% down at 7.11%, the payment is about $897 a month. Keeping that under 28% of gross income takes about $38,459 a year.
More about Saint Albans
- Mortgage Refinance in Saint Albans
- Debt Relief in Saint Albans
- Home Equity Loans in Saint Albans
- 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