The typical owner-occupied home in Raysal is worth about $94,400, 42% below the West Virginia median of $162,600 and 72% below the national median of $332,700. 91% of occupied homes here are lived in by their owners, and 0% of those owners still have a mortgage.
Raysal at a glance
| Raysal | West Virginia | U.S. | |
|---|---|---|---|
| Median home value | $94,400 | $162,600 | $332,700 |
| Median property tax paid per year | – | $865 | $3,119 |
| Median household income | – | $59,608 | $80,734 |
| Homes lived in by their owners | 91% | 75% | 65% |
| Owner homes with a mortgage | 0% | 46% | 61% |
| Median monthly costs, owners with a mortgage | – | $1,255 | $1,963 |
| Median rent | – | $872 | $1,413 |
| Median year homes were built | 1975 | 1976 | 1980 |
| Vacant homes | 70.5% | 15.4% | 10.1% |
| Population | 162 | 1,778,373 | 334,922,499 |
What a typical home costs per month in Raysal
At this week's average 30-year rate of 7.11%, buying the median Raysal home of $94,400 with 20% down costs about $634 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $791, 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 $27,167 for the 20%-down payment.
| Down payment | $18,880 |
|---|---|
| Loan amount | $75,520 |
| Principal and interest | $508 |
| Property taxes (1.10% a year) | $87 |
| Homeowners insurance (our estimate, 0.5% a year) | $39 |
| PMI | $0 |
| Total per month | $634 |
Change the numbers in the calculator
| Down payment | $3,304 |
|---|---|
| Loan amount | $92,690 |
| Principal and interest | $624 |
| Property taxes (1.10% a year) | $87 |
| Homeowners insurance (our estimate, 0.5% a year) | $39 |
| FHA mortgage insurance | $42 |
| Total per month | $791 |
Change the numbers in the calculator
Questions about home buying in Raysal
What is the median home value in Raysal?
About $94,400 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 Raysal?
For the median home with 20% down at 7.11%, the payment is about $634 a month. Keeping that under 28% of gross income takes about $27,167 a year.
More about Raysal
- Mortgage Refinance in Raysal
- Debt Relief in Raysal
- Home Equity Loans in Raysal
- 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