Income needed to buy a home
Hardy County, WV
$71,062
a year in household income to buy the typical Hardy County home with 10% down.
The monthly math
Typical home value$225,779
Down payment (10%)$22,578
Loan$203,201
Principal and interest (7.40%)$1,407/mo
Property tax (0.28% a year)$54/mo
Homeowners insurance (estimate)$113/mo
Mortgage insurance$85/mo
Total monthly cost$1,658/mo
Income needed keeps housing at 28% of gross income, the lender rule of thumb.
What locals earn
Far off
The typical household here earns $49,272 a year, 69% of what it takes.
In West Virginia
Hardy County ranks #49 of 55 for the income a home takes, from least to most.
Easiest to afford in West Virginia
| County | Typical home | Income needed |
|---|---|---|
| McDowell County | $42,866 | $13,660 |
| Wyoming County | $67,542 | $21,475 |
| Mingo County | $77,706 | $24,785 |
| Webster County | $85,392 | $26,943 |
| Boone County | $95,486 | $30,834 |
Typical home value from the Zillow Home Value Index, August 2026. Rate is the Freddie Mac 30-year average for Oct 8, 2026. Property tax rate is total taxes paid divided by total home value in the county (U.S. Census, ACS 2020-2024). How it works.