CALCMONEY // HOME AFFORDABILITY // WV // HUNTINGTON
How much house can you afford in Huntington? Based on local median home prices, current WV mortgage rates, and Huntington property tax data.
$145,000
$895/mo
$38,346/yr
$178,726
Monthly housing costs of $895 represent 23.3% of Huntington's median gross monthly income ($3,833/mo). At 23.3%, Huntington falls within the standard 28% affordability threshold at current median income levels.
| Median Home Price | $145,000 |
| Down Payment (20%) | $29,000 |
| Loan Amount | $116,000 |
| Monthly PI Payment | $768 |
| Monthly Property Tax | $66 |
| Monthly Insurance Est. | $60 |
| Total Monthly PITI | $895 |
| Housing Cost % of Income | 23.3% |
| Required Income (28% rule) | $38,346/yr |
| Max Affordable Home | $178,726 |
$5,075
$1,152/mo
Huntington Home Affordability Quick Reference 2026
| Metric | Value | Notes |
|---|---|---|
| Median Home Price | $145,000 | Huntington city median |
| Down Payment (20%) | $29,000 | Conventional loan |
| Monthly PITI | $895 | 6.95% rate, 30yr fixed |
| Required Income (28% rule) | $38,346 | Annual gross |
| Max Affordable Home | $178,726 | Based on median income |
| FHA Down (3.5%) | $5,075 | Minimum FHA |
| Housing Cost % of Income | 23.3% | Median income: $46,000/yr |
| Property Tax Rate | 0.55% | $798/yr on median home |
Monthly PITI includes principal, interest, property tax, and homeowners insurance. Estimates only.
The median home price in Huntington is $145,000, with a local 30-year mortgage rate of 6.95%. A buyer putting 20% down carries a loan of $116,000, generating a monthly P&I payment of $768. Adding property taxes ($66/mo) and homeowners insurance ($60/mo) brings total monthly PITI to $895.
Huntington's property tax rate of 0.55% is among the lower rates in the country, which improves overall affordability by keeping total PITI closer to the principal and interest payment alone. On the Huntington median home, that is $66/month, or $798 per year.
West Virginia levies a state income tax, which affects take-home pay and effective buying power. High-income earners in Huntington should factor state tax liability into their overall housing budget — mortgage interest may be deductible on both federal and state returns.
Using the 28% rule, a household earning Huntington's median income of $46,000/year can afford up to $1,073/month in total housing costs. Based on Huntington's mortgage rate of 6.95% and property tax rate of 0.55%, that translates to a maximum affordable home price of approximately $178,726 with 20% down on a 30-year loan.
To afford the median Huntington home priced at $145,000, you need an annual gross income of approximately $38,346. Total monthly housing costs (principal and interest of $768, property taxes of $66, and insurance of $60) come to $895/month, which equals 28% of the required income.
At the median home price of $145,000 and median household income of $46,000, the total monthly housing cost of $895 represents 23.3% of gross monthly income. This is within the standard 28% guideline, making Huntington relatively accessible at current income levels.
A conventional 20% down payment on the median Huntington home of $145,000 is $29,000. An FHA loan requires just 3.5% down — $5,075 — but adds mortgage insurance of roughly $99/month, bringing total FHA payments to $1,152/month.
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