Mortgage Rates in Star City, West Virginia — March 2026
Updated March 2026 | Based on Star City market data and regional lending conditions
Star City is a smaller West Virginia community of 38,683 where home prices remain well below the national median, making homeownership more attainable. The current 30-year fixed rate here is 6.67% (0.02% above the national average). At a median home price of $132,500, the estimated $752/month payment (with 20% down) is affordable on the local median income of $48,000.
Current Mortgage Rates in Star City, WV
Below are the current average mortgage rates available in the Star City area as of March 2026. Rates vary by lender, credit score, and loan-to-value ratio. Use our free calculator above to see your personalized estimate.
| Loan Type | Rate | National Avg | Difference |
|---|---|---|---|
| 30-Year Fixed | 6.67% | 6.65% | +0.02% |
| 15-Year Fixed | 5.93% | 5.89% | +0.04% |
| 5/1 ARM | 6.2% | 6.15% | +0.05% |
| FHA | 6.46% | 6.25% | +0.21% |
| VA | 6.21% | 6.05% | +0.16% |
| Jumbo | 6.92% | 6.85% | +0.07% |
Star City Housing Market Overview
Star City is one of the more affordable housing markets, with a median home price of just $132,500 — significantly below the national median. Combined with a property tax rate of 0.63%, the total monthly housing cost of $752 is within reach for many local households earning the median $48,000.
Monthly Payment Breakdown for Star City
Based on the median home price of $132,500 with 20% down ($26,500), here is what you can expect to pay monthly in Star City:
15-Year vs. 30-Year Mortgage in Star City
Choosing a 15-year mortgage in Star City at 5.93% instead of a 30-year at 6.67% would save you $85,320 in total interest over the life of the loan. However, your monthly payment would be $890 instead of $682 — an increase of $208 per month.
Calculate Your Star City Mortgage Payment
Use our free calculator to get a personalized estimate based on your loan amount, interest rate, and term.
Open Free CalculatorFrequently Asked Questions About Mortgages in Star City
What are the current mortgage rates in Star City, WV?
As of March 2026, the average 30-year fixed mortgage rate in Star City, West Virginia is 6.67%, while the 15-year fixed rate is 5.93%. FHA loans average 6.46% and VA loans 6.21%. These rates are 0.02% above the national average of 6.65%.
How much is a monthly mortgage payment in Star City?
Based on the median home price of $132,500 with 20% down, the estimated monthly mortgage payment in Star City is $682 for principal and interest. Including property taxes of $70/month, the total monthly housing cost is approximately $752.
What income do I need to buy a home in Star City?
Using the 28% rule, you would need an annual income of approximately $32,229 to afford the median-priced home in Star City at $132,500. The median household income in Star City is $48,000. The median income is currently sufficient to meet this threshold.
Is Star City a good place to buy a home in 2026?
Star City offers a below-average cost of living with a cost of living index of 88.4 (national average = 100). The property tax rate in West Virginia is 0.63%, which is below the national average. Star City has a population of 38,683 and offers a very affordable lifestyle.
Mortgage Rates in Other West Virginia Cities
Related Tools & Guides
Last updated: March 2026. Rates are approximate averages based on regional lending data for the Star City, West Virginia area. Individual rates may vary by lender, credit score, loan amount, and other factors. Use our free calculator for a personalized estimate.