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Compare Current Morgantown, West Virginia Mortgage Rates
Compare Morgantown, WV mortgage rates and fees from top lenders. Review free, personalized mortgage rates based on your specifc loan amount, program and other factors. Easily compare APRs, closing costs and monthly payments to find the lowest mortgage rates in Morgantown.
We recommend that you contact at least five lenders as shopping multiple lenders is the best way to save money on your mortgage in Morgantown. Plus, shopping lenders is free and there is no obligation.
Loan terms assume conforming mortgage amount on single family residence, 80% LTV ratio and minimum borrower credit score of 740. $150,000 minimum mortgage amount. Borrower is responsible for $1,055 lender fee. Loan terms are subject to change without notice.
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Rate data provided by RateUpdate.com. Displayed by ICB, a division of Mortgage Research Center, NMLS #1907, Equal Housing Opportunity. Payments do not include taxes, insurance premiums or private mortgage insurance if applicable. Actual payments will be greater with taxes and insurance included. Read through our lender table disclaimer for more information on rates and product details.
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Compare Today's Morgantown, WV Mortgage Rates
July 18, 2025
Current mortgage rates in Morgantown, WV are % for a 30 year fixed rate loan, % for a 15 year fixed loan and % for a 5/1 adjustable rate mortgage (ARM)
Mortgage Program
Today's Morgantown, WV Rates
National Average
Comparison
30 Year Fixed Rate
%
6.670%
15 Year Fixed Rate
%
5.960%
5/1 Adjustable Rate Mortgage
%
6.250%
How Affordable is Housing in Morgantown, West Virginia?
Below we provide helpful information on the real estate market, home prices and housing affordability in Morgantown. Understand how much you need to earn to afford a home in Morgantown, including the mortgage you need to qualify for. Review the monthy payment so you can determine if owning a house in Morgantown fits your budget. This information is based on proprietary analysis you can only find on FREEandCLEAR and we offer it to help you decide if living in Morgantown is right for you.
The median home value for Morgantown, WV (Monongalia County) is $269,085
Based on current mortgage rates and a 10% down payment, you need to make $56,136 per year to buy the median priced home in Morgantown
With this income, you could qualify for a $242,177 mortgage, assuming your monthly debt expense is reasonable
Based on this loan amount, the monthly mortgage payment required to buy the median priced home in Morgantown is $1,300
The median household income for Morgantown, WV (Monongalia County) is $57,170
Based on this income, you can afford a home valued at approximately $274,042
The home price you can afford to buy based on household income in Morgantown is 102% of the median home value which means housing prices are average.
Morgantown (Monongalia County) ranks 55 out of 55 counties in West Virginia and 2,790 out of 3,142 counties in the United States for housing affordability.
According to the FREEandCLEAR Housing Affordability Index, the housing market in Morgantown, WV is average
Loan Limits for Morgantown, West Virginia
Mortgage limits affect your loan terms, mortgage program eligibility and what price home you can afford. Review the loan limits for Morgantown (Monongalia County) below.
Conforming loan limits for Morgantown, WV
1 unit:$726,200
2 units:$929,850
3 units:$1,123,900
4 units:$1,396,800
FHA loan limits for Morgantown, WV
1 unit:$472,030
2 units:$604,400
3 units:$730,525
4 units:$907,900
VA loan limits for Morgantown, WV
1 unit:$726,200
Additional Mortgage Resources for Morgantown, WV Residents