West Virginia Housing Affordability Index

Daily affordability score for West Virginia compared to the national average — updated every night using live mortgage rates and U.S. Census Bureau income and home value data.

Live Score

West Virginia

139.9

Highly Affordable

MBR-HAI • April 10, 2026

National Average

100.6

Near National Average

MBR-HAI • April 10, 2026

National Rank #1 of 51 states

vs. National Average +39.3 points

30-yr Rate Used 6.113%

Median Home Value $162,600

Median Household Income $59,608

View all state rankings →

West Virginia Affordability Ranking

#1 of 51 states — April 10, 2026 Top 20% most affordable

Most Affordable Least Affordable

More affordable than: 50 of 51 states (98%)

Less affordable than: 0 of 51 states (0%)

MBR-HAI Score: 139.9 vs. national 100.6 (+39.3 points)

Nearby States

#1 West Virginia ◀ 139.9

#2 AR 131.2

#3 AL 129.8

↓ 48 less affordable states below

Top 5 Most Affordable

#1 WV ◀ 139.9

#2 AR 131.2

#3 AL 129.8

#4 IA 129.6

#5 MS 126.3

Bottom 5 Least Affordable

#47 RI 90.6

#48 NY 89.3

#49 OR 89.2

#50 MA 87.2

#51 CA 81.5

View full 51-state rankings →

West Virginia MBR-HAI — 90-Day Trend

West Virginia

National Average

Dashed line = national average. Amber dashed line = 100 baseline. Score updates each morning after the nightly rate aggregation run.

Key Affordability Factors — West Virginia

$162,600

Median Home Value

U.S. median: varies by state

$59,608

Median Household Income

U.S. median: $80,734

2.7x

Price-to-Income Ratio

Home value ÷ income

$664/mo

Median Owner Costs

13.4% of income annually

$1,048/yr

Median Property Tax

0.64% effective rate

77.9%

Homeownership Rate

U.S. average: 65.7%

19.4%

Owner Cost Burden

% spending 30%+ of income on housing

6.113%

30-yr Mortgage Rate

State average • April 10, 2026

Source: U.S. Census Bureau ACS 5-Year Estimates (2024), CPS/HVS Q4 2025. Mortgage rate from MBR live rate database.

How West Virginia Ranks Among All States

#1

of 51 states

Least Affordable Most Affordable

West Virginia is more affordable than 100% of U.S. states — Highly Affordable

139.9

MBR-HAI Score

Rank	State	MBR-HAI Score	Affordability
1	West Virginia You are here	139.9	Highly Affordable
2	Arkansas	131.2	Highly Affordable
3	Alabama	129.8	Highly Affordable
4	Iowa	129.6	Highly Affordable
▼ See all 51 state rankings →

Showing states ranked near West Virginia — April 10, 2026 • View complete national rankings →

Download West Virginia HAI Data

West Virginia History (CSV)

Daily score vs. national • all dates

                    date,state,hai_score,national_score,rate_used

                    2026-04-10,WV,139.9,100.6,6.113                

Download WV History (CSV)

All 51 States (CSV)

Compare West Virginia to every state

Daily scores for all 51 states — filter by state or date in Excel or Google Sheets.

All States (CSV)

Explore Further

National MBR-HAI Rankings

See how West Virginia ranks among all 51 states and the national average.

HAI Methodology

How the 10-component formula is computed, data sources, and score interpretation.

West Virginia Mortgage Rates

Live 30-year and 15-year rates from banks and credit unions in West Virginia.