The typical owner-occupied home in Harts is worth about $91,100, 44% below the West Virginia median of $162,600 and 73% below the national median of $332,700. Owners pay a median $404 a year in property taxes, about 0.44% of their home's value, lower than the West Virginia rate of 0.53%. The median household earns $40,938 a year, so the median home costs 2.2 times the median income (2.7 times for West Virginia). 97% of occupied homes here are lived in by their owners, and 5% of those owners still have a mortgage.
Harts at a glance
| Harts | West Virginia | U.S. | |
|---|---|---|---|
| Median home value | $91,100 | $162,600 | $332,700 |
| Median property tax paid per year | $404 | $865 | $3,119 |
| Property tax as a share of value | 0.44% | 0.53% | 0.94% |
| Median household income | $40,938 | $59,608 | $80,734 |
| Homes lived in by their owners | 97% | 75% | 65% |
| Owner homes with a mortgage | 5% | 46% | 61% |
| Median monthly costs, owners with a mortgage | – | $1,255 | $1,963 |
| Median rent | – | $872 | $1,413 |
| Median year homes were built | 1981 | 1976 | 1980 |
| Vacant homes | 29.2% | 15.4% | 10.1% |
| Population | 747 | 1,778,373 | 334,922,499 |
What a typical home costs per month in Harts
At this week's average 30-year rate of 7.11%, buying the median Harts home of $91,100 with 20% down costs about $562 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $713, 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 $24,070 for the 20%-down payment. That payment is 16% of the median Harts household income of $40,938; at that income and 20% down, the 28% guideline points to a home of about $155,000.
| Down payment | $18,220 |
|---|---|
| Loan amount | $72,880 |
| Principal and interest | $490 |
| Property taxes (0.44% a year) | $33 |
| Homeowners insurance (our estimate, 0.5% a year) | $38 |
| PMI | $0 |
| Total per month | $562 |
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| Down payment | $3,188 |
|---|---|
| Loan amount | $89,450 |
| Principal and interest | $602 |
| Property taxes (0.44% a year) | $33 |
| Homeowners insurance (our estimate, 0.5% a year) | $38 |
| FHA mortgage insurance | $40 |
| Total per month | $713 |
Change the numbers in the calculator
Questions about home buying in Harts
What is the median home value in Harts?
About $91,100 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
How much are property taxes in Harts?
Homeowners pay a median $404 a year, which is about 0.44% 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 Harts?
For the median home with 20% down at 7.11%, the payment is about $562 a month. Keeping that under 28% of gross income takes about $24,070 a year.
More about Harts
- Mortgage Refinance in Harts
- Debt Relief in Harts
- Home Equity Loans in Harts
- 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