The typical owner-occupied home in Harman is worth about $150,000, 8% below the West Virginia median of $162,600 and 55% below the national median of $332,700. Owners pay a median $450 a year in property taxes, about 0.30% of their home's value, lower than the West Virginia rate of 0.53%. 59% of occupied homes here are lived in by their owners, and 44% of those owners still have a mortgage.
Harman at a glance
| Harman | West Virginia | U.S. | |
|---|---|---|---|
| Median home value | $150,000 | $162,600 | $332,700 |
| Median property tax paid per year | $450 | $865 | $3,119 |
| Property tax as a share of value | 0.30% | 0.53% | 0.94% |
| Median household income | – | $59,608 | $80,734 |
| Homes lived in by their owners | 59% | 75% | 65% |
| Owner homes with a mortgage | 44% | 46% | 61% |
| Median monthly costs, owners with a mortgage | $1,083 | $1,255 | $1,963 |
| Those costs as a share of the owners' income | 15.0% | 17.3% | 21.0% |
| Median rent | $683 | $872 | $1,413 |
| Rent as a share of renters' income | 28.0% | 29.4% | 30.6% |
| Median year homes were built | 1946 | 1976 | 1980 |
| Vacant homes | 18.2% | 15.4% | 10.1% |
| Population | 119 | 1,778,373 | 334,922,499 |
What a typical home costs per month in Harman
At this week's average 30-year rate of 7.11%, buying the median Harman home of $150,000 with 20% down costs about $907 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $1,157, 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 $38,882 for the 20%-down payment.
The median rent here is $683 a month, so owning the median home costs about $224 a month more than renting, before you count the equity you build and any tax benefits.
| Down payment | $30,000 |
|---|---|
| Loan amount | $120,000 |
| Principal and interest | $807 |
| Property taxes (0.30% a year) | $38 |
| Homeowners insurance (our estimate, 0.5% a year) | $62 |
| PMI | $0 |
| Total per month | $907 |
Change the numbers in the calculator
| Down payment | $5,250 |
|---|---|
| Loan amount | $147,283 |
| Principal and interest | $991 |
| Property taxes (0.30% a year) | $38 |
| Homeowners insurance (our estimate, 0.5% a year) | $62 |
| FHA mortgage insurance | $66 |
| Total per month | $1,157 |
Change the numbers in the calculator
Questions about home buying in Harman
What is the median home value in Harman?
About $150,000 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
How much are property taxes in Harman?
Homeowners pay a median $450 a year, which is about 0.30% 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 Harman?
For the median home with 20% down at 7.11%, the payment is about $907 a month. Keeping that under 28% of gross income takes about $38,882 a year.
More about Harman
- Mortgage Refinance in Harman
- Debt Relief in Harman
- Home Equity Loans in Harman
- 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