Mortgage Refinance Rates in West Virginia (2026)
With West Virginia's median value near $165,000, a homeowner refinancing a typical $112,000 balance from about 7.50% to 6.25% saves roughly $94/month — breaking even on ~$2,800 of costs near month 30.
Whether you want a smaller payment or cash from your West Virginia equity, the break-even is what decides if it is worth it. West Virginia uses the $806,500 conforming baseline statewide.
Refinance snapshot by West Virginia county
| County | Est. Value | 2026 Conforming Limit | Tier |
|---|---|---|---|
| Kanawha County | $165,000 | $806,500 | Baseline |
| Berkeley County | $165,000 | $806,500 | Baseline |
| Monongalia County | $165,000 | $806,500 | Baseline |
| Cabell County | $165,000 | $806,500 | Baseline |
| Wood County | $165,000 | $806,500 | Baseline |
| Raleigh County | $165,000 | $806,500 | Baseline |
| Harrison County | $165,000 | $806,500 | Baseline |
| Putnam County | $165,000 | $806,500 | Baseline |
| Marion County | $165,000 | $806,500 | Baseline |
| Jefferson County | $165,000 | $806,500 | Baseline |
| Mercer County | $165,000 | $806,500 | Baseline |
| Greenbrier County | $165,000 | $806,500 | Baseline |
| Wayne County | $165,000 | $806,500 | Baseline |
| Fayette County | $165,000 | $806,500 | Baseline |
| Logan County | $165,000 | $806,500 | Baseline |
| Mineral County | $165,000 | $806,500 | Baseline |
| Marshall County | $165,000 | $806,500 | Baseline |
| Preston County | $165,000 | $806,500 | Baseline |
| Ohio County | $165,000 | $806,500 | Baseline |
| Boone County | $165,000 | $806,500 | Baseline |
Should you refinance in West Virginia?
It comes down to your break-even. Take your closing costs (often 2-5% of the balance) and divide by your monthly savings — if you will stay in the home past that month count, refinancing usually wins. Cash-out makes sense when the rate and use of funds beat your other borrowing options.
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Frequently Asked Questions
- How much can refinancing save in West Virginia?
- On a $112,000 balance near the West Virginia median, dropping from ~7.50% to 6.25% saves about $94/month. Your figure depends on your current rate and balance.
- What is the conforming loan limit in West Virginia for 2026?
- Most West Virginia counties use the $806,500 baseline; high-cost counties go up to $1,209,750. Above that, refinances are jumbo loans.