The typical owner-occupied home in West Liberty is worth about $151,900, 7% below the West Virginia median of $162,600 and 54% below the national median of $332,700. Owners pay a median $1,071 a year in property taxes, about 0.71% of their home's value, higher than the West Virginia rate of 0.53%. The median household earns $43,750 a year, so the median home costs 3.5 times the median income (2.7 times for West Virginia). 45% of occupied homes here are lived in by their owners, and 50% of those owners still have a mortgage.
West Liberty at a glance
| West Liberty | West Virginia | U.S. | |
|---|---|---|---|
| Median home value | $151,900 | $162,600 | $332,700 |
| Median property tax paid per year | $1,071 | $865 | $3,119 |
| Property tax as a share of value | 0.71% | 0.53% | 0.94% |
| Median household income | $43,750 | $59,608 | $80,734 |
| Homes lived in by their owners | 45% | 75% | 65% |
| Owner homes with a mortgage | 50% | 46% | 61% |
| Median monthly costs, owners with a mortgage | $1,324 | $1,255 | $1,963 |
| Those costs as a share of the owners' income | 17.9% | 17.3% | 21.0% |
| Median rent | $1,269 | $872 | $1,413 |
| Rent as a share of renters' income | 43.3% | 29.4% | 30.6% |
| Median year homes were built | 1978 | 1976 | 1980 |
| Vacant homes | 25.2% | 15.4% | 10.1% |
| Population | 1,481 | 1,778,373 | 334,922,499 |
What a typical home costs per month in West Liberty
At this week's average 30-year rate of 7.11%, buying the median West Liberty home of $151,900 with 20% down costs about $971 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $1,224, 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 $41,599 for the 20%-down payment. That payment is 27% of the median West Liberty household income of $43,750; at that income and 20% down, the 28% guideline points to a home of about $160,000.
The median rent here is $1,269 a month, a little more than the monthly cost of owning the median home with 20% down.
| Down payment | $30,380 |
|---|---|
| Loan amount | $121,520 |
| Principal and interest | $817 |
| Property taxes (0.71% a year) | $90 |
| Homeowners insurance (our estimate, 0.5% a year) | $63 |
| PMI | $0 |
| Total per month | $971 |
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| Down payment | $5,316 |
|---|---|
| Loan amount | $149,149 |
| Principal and interest | $1,003 |
| Property taxes (0.71% a year) | $90 |
| Homeowners insurance (our estimate, 0.5% a year) | $63 |
| FHA mortgage insurance | $67 |
| Total per month | $1,224 |
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Questions about home buying in West Liberty
What is the median home value in West Liberty?
About $151,900 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
How much are property taxes in West Liberty?
Homeowners pay a median $1,071 a year, which is about 0.71% 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 West Liberty?
For the median home with 20% down at 7.11%, the payment is about $971 a month. Keeping that under 28% of gross income takes about $41,599 a year.
More about West Liberty
- Mortgage Refinance in West Liberty
- Debt Relief in West Liberty
- Home Equity Loans in West Liberty
- 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