Skip to content
HomeMortgageOnline
West Virginia Mortgage Rates

Compare West Virginia mortgage rates and home loan options

A local mortgage-rate guide for West Virginia buyers and homeowners. Compare rate trends, estimate payments, and review closing-cost questions before you talk to a lender.

West Virginia rate snapshot

Rates pulled: Jul. 1, 2026, 7:05 AM ET

Benchmark data shown below is national rate data, not a guaranteed West Virginia quote. Use it to sanity-check lender offers and compare APR, points, credits, and lock periods.

Weekly trendRoughly flat30-yr fixed near 6.49%, about +0.02 pts this week.
30-day biasHigher, still choppyNational scenario band roughly 6.40%-6.85%.
30-year fixedMost buyers
6.49%6.56% APR
Next weekHigher bias0.00-0.05 pts higherHigher bias. Expected move: 0.00-0.05 pts higher.
Next monthHigher bias0.05-0.20 pts higherHigher bias. Expected move: 0.05-0.20 pts higher.
15-year fixedFaster payoff
5.84%5.94% APR
Next weekHigher bias0.00-0.05 pts higherHigher bias. Expected move: 0.00-0.05 pts higher.
Next monthHigher bias0.05-0.15 pts higherHigher bias. Expected move: 0.05-0.15 pts higher.
FHA 30-yearLower down payment
6.34%6.39% APR
Next weekFlatFlat to 0.05 higherFlat. Expected move: Flat to 0.05 higher.
Next monthMixedMixed, 0.00-0.15 higherMixed. Expected move: Mixed, 0.00-0.15 higher.
VA 30-yearEligible military
6.44%6.49% APR
Next weekFlatFlat to 0.05 higherFlat. Expected move: Flat to 0.05 higher.
Next monthMixedMixed, 0.00-0.15 higherMixed. Expected move: Mixed, 0.00-0.15 higher.

The next-week and next-month outlook are an educational scenario from our current 30-day model bias (modestly higher but still volatile), not a guaranteed prediction, West Virginia quote, rate-lock offer, APR promise, or financial advice. Rates can move either direction.

Benchmark source: Freddie Mac's weekly PMMS benchmark showed 6.49% for the 30-year fixed and 5.84% for the 15-year fixed as of June 25, 2026. Mortgage News Daily's daily top-tier 30-year fixed index showed 6.54% on June 30, 2026. Rates vary by credit, LTV, county, occupancy, property type, loan size, and lock period. This page does not display a guaranteed rate or rate lock.

30-day movement outlook

Bias: slightly higher, still volatile

Our current 30-day scenario for national 30-year fixed benchmarks is roughly 6.40% to 6.85%, with day-to-day volatility likely. Cooler inflation, softer jobs data, and lower Treasury yields could pull rates toward the lower end. Hot inflation, a hawkish Fed, or wider mortgage-bond spreads could keep rates near the upper end.

Outlook disclaimer: This is an educational scenario range, not a forecast guarantee, rate-lock offer, or financial advice. Your actual West Virginia mortgage quote can be higher or lower based on borrower profile, property details, loan terms, lender pricing, and market timing.

West Virginia mortgage tools

Payment calculator

Estimate principal, interest, taxes, insurance, and HOA.

Open calculator

Affordability calculator

Estimate a responsible home-price range before shopping.

Check affordability

Frequently asked questions

Are West Virginia mortgage rates different from national averages?

They can be. State-level taxes, insurance costs, property types, lender competition, and local loan sizes can affect the final APR and payment.

Should I choose the lowest West Virginia advertised rate?

Not automatically. Compare APR, points, origination charges, lender credits, and rate-lock period. A lower rate can cost more if it requires high upfront points.