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Homeownership is to the American dream. It offers , security, community, and countless other benefits. Yet for many West Virginia residents, the dream feels increasingly out of reach—even as and fall. Near-record prices have made homes hard to come by and often even harder to afford, leaving buyers and sellers and younger generations .

But affordable pockets still exist. In cities across the state, residents can comfortably spend around 30% of their income or less on housing, which is widely considered the affordable threshold.

To find out where these cities are, ranked the most affordable cities in West Virginia, based on their local payment to income ratios. All data is an average for the January-October 2025 period. To see the most affordable cities in the country, read this .

#1. St. Albans, West Virginia
- Payment to income ratio: 23.0%
- Median sale price: $176,775
- Median household income: $58,788
- Income needed to buy: $45,142
- Median monthly mortgage payment: $1,129
- See homes for sale in St. Albans on

#2. Teays Valley, West Virginia
- Payment to income ratio: 25.4%
- Median sale price: $354,277
- Median household income: $106,798
- Income needed to buy: $90,469
- Median monthly mortgage payment: $2,262
- See homes for sale in Teays Valley on

#3. Pea Ridge, West Virginia
- Payment to income ratio: 26.1%
- Median sale price: $230,365
- Median household income: $67,708
- Income needed to buy: $58,827
- Median monthly mortgage payment: $1,471
- See homes for sale in Pea Ridge on

#4. Cross Lanes, West Virginia
- Payment to income ratio: 27.4%
- Median sale price: $224,190
- Median household income: $62,704
- Income needed to buy: $57,250
- Median monthly mortgage payment: $1,431
- See homes for sale in Cross Lanes on

#5. Inwood, West Virginia
- Payment to income ratio: 28.8%
- Median sale price: $308,881
- Median household income: $82,267
- Income needed to buy: $78,877
- Median monthly mortgage payment: $1,972
- See homes for sale in Inwood on

#6. Hurricane, West Virginia
- Payment to income ratio: 32.9%
- Median sale price: $287,671
- Median household income: $67,083
- Income needed to buy: $73,460
- Median monthly mortgage payment: $1,837
- See homes for sale in Hurricane on

#7. Charles Town, West Virginia
- Payment to income ratio: 34.2%
- Median sale price: $423,105
- Median household income: $94,830
- Income needed to buy: $108,045
- Median monthly mortgage payment: $2,701
- See homes for sale in Charles Town on

#8. Ranson, West Virginia
- Payment to income ratio: 37.2%
- Median sale price: $419,256
- Median household income: $86,378
- Income needed to buy: $107,062
- Median monthly mortgage payment: $2,677
- See homes for sale in Ranson on

#9. Shannondale, West Virginia
- Payment to income ratio: 40.2%
- Median sale price: $379,568
- Median household income: $72,283
- Income needed to buy: $96,928
- Median monthly mortgage payment: $2,423
- See homes for sale in Shannondale on