CHARLESTON Mortgage Rates & Closing Costs
30yr Fixed Rate
15yr Fixed Rate
FHA
USDA
VA
5/1 ARM
30 Year Fixed Rate mortgages in Charleston averaged
6.76%
for the week of 2022-11-23, compared to the national average of
6.58% for the same period.
The average rate for the prior week (2022-11-17) was
7.09% and
one month ago for the week of 2022-10-20, the
average rate was 7.02%.
Charleston's average rate one year ago was 3.53%.
For refis of the same type during the week of 2022-11-23, the average rate
was 6.86%.
| Loan Type | Date | Rate |
|---|---|---|
| US 30 Year Fixed Rate | 2022-11-23 | 6.58% |
| Charleston 30 Year Fixed Rate | 2022-11-23 | 6.76% |
| Charleston 30 Year Fixed Rate Refi | 2022-11-23 | 6.86% |
| Charleston 15 Year Fixed Rate | 2022-11-23 | 6.43% |
| Charleston 15 Year Fixed Rate Refi | 2022-11-23 | 6.16% |
| Charleston 30 Year FHA | 2022-11-23 | 0.39% |
| Charleston 30 Year FHA Refi | 2022-11-23 | 0.2% |
| Charleston 30 Year USDA | 2022-11-23 | 0.22% |
| Charleston 30 Year USDA Refi | 2022-11-23 | -0.21% |
| Charleston 30 Year VA | 2022-11-23 | 0.39% |
| Charleston 30 Year VA Refi | 2022-11-23 | 0.19% |
Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations within CHARLESTON, WV.
CHARLESTON Top Lenders by Rates & Fees
The below table looks at the consensus average rates and fees provided by each lender, for only loans originated in the CHARLESTON, WV market. This includes FHA, Conventional, USDA and VA loans, as well as refis. All terms in the below chart are 30 year fixed rate. Unless noted otherwise, other data is all inclusive (FHA, ARM, 15-yr, etc.).
CHARLESTON Average Closing Costs & Other Stats
CHARLESTON, WV's 102 lenders originated 5,667
loans during 2021. The total origination value was $869,175,000, with an average loan value of
$153,375.
CHARLESTON's average closing costs are $3,909.
The top CHARLESTON lender as defined by loan originations is QUICKEN LOANS, LLC, with
208 loans originated. Their average total fees are
$4,879, which is $3,633
higher than the next largest lender,
City National Bank of West Virginia.
The lowest fee CHARLESTON lenders (with over 10 loans originated) are
City National Bank of West Virginia ($1,246), FREEDOM MORTGAGE CORPORATION ($1,813), UNION HOME MORTGAGE CORP. ($2,399), JPMorgan Chase Bank ($2,877) and Gateway First Bank ($3,047).
The lowest rate CHARLESTON lenders (with over 10 loans originated) are
Victorian Finance, LLC (2.89%), Ally Bank (2.95%), AMERISAVE MORTGAGE CORPORATION (3.00%), BETTER MORTGAGE CORPORATION (3.05%) and United Bank (3.05%).
CHARLESTON, WV Mortgage Market Share & Volume
Loan origination value is a good proxy for a lender's prominence within the market. The general assumption is that larger lenders will have more resources, but may spend more (and therefore charge more) on marketing and overhead expenses.
| Name | 2020 Loan Value | 2021 Loan Value | % Change | 2021 Market Share |
|---|---|---|---|---|
| QUICKEN LOANS, LLC | $70,280,000 | $88,065,000 | 25.3% | 10.1% |
| Gateway First Bank | $62,325,000 | $65,090,000 | 4.4% | 7.5% |
| Victorian Finance, LLC | $53,225,000 | $60,605,000 | 13.9% | 7.0% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | $38,350,000 | $54,370,000 | 41.8% | 6.3% |
| City National Bank of West Virginia | $60,740,000 | $51,390,000 | -15.4% | 5.9% |
| The Huntington National Bank | $30,610,000 | $42,975,000 | 40.4% | 4.9% |
| LOANDEPOT.COM, LLC | $37,365,000 | $41,285,000 | 10.5% | 4.7% |
| The Poca Valley Bank, Inc. | $32,185,000 | $32,900,000 | 2.2% | 3.8% |
| Summit Community Bank, Inc. | $25,195,000 | $31,545,000 | 25.2% | 3.6% |
| Truist Bank | $36,980,000 | $31,230,000 | -15.5% | 3.6% |
| JPMorgan Chase Bank | $21,675,000 | $23,525,000 | 8.5% | 2.7% |
| United Bank | $31,410,000 | $22,530,000 | -28.3% | 2.6% |
| FREEDOM MORTGAGE CORPORATION | $22,645,000 | $22,145,000 | -2.2% | 2.5% |
| WesBanco Bank, Inc. | $44,865,000 | $18,575,000 | -58.6% | 2.1% |
| MOVEMENT MORTGAGE, LLC | $18,635,000 | $17,715,000 | -4.9% | 2.0% |
| Fifth Third Bank | $11,315,000 | $17,485,000 | 54.5% | 2.0% |
| Mortgage Research Center, LLC | $14,000,000 | $16,365,000 | 16.9% | 1.9% |
| CROSSCOUNTRY MORTGAGE, LLC | $18,435,000 | $15,740,000 | -14.6% | 1.8% |
| AMERISAVE MORTGAGE CORPORATION | $6,640,000 | $10,385,000 | 56.4% | 1.2% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | $7,455,000 | $9,640,000 | 29.3% | 1.1% |
| Wells Fargo Bank | $4,135,000 | $9,245,000 | 123.6% | 1.1% |
| Putnam County Bank | $4,270,000 | $8,450,000 | 97.9% | 1.0% |
| Clay County Bank, Inc. | $5,450,000 | $6,125,000 | 12.4% | 0.7% |
| HOMESPIRE MORTGAGE CORPORATION | $240,000 | $5,885,000 | 2,352.1% | 0.7% |
| Logan Bank & Trust Company | $3,895,000 | $5,635,000 | 44.7% | 0.6% |
| Premier Bank, Inc. | $5,755,000 | $5,585,000 | -3.0% | 0.6% |
| BETTER MORTGAGE CORPORATION | $3,385,000 | $5,355,000 | 58.2% | 0.6% |
| Northwest Bank | $5,075,000 | n/a | 0.6% | |
| UNION HOME MORTGAGE CORP. | $5,965,000 | $4,895,000 | -17.9% | 0.6% |
| NAVY FEDERAL CREDIT UNION | $2,485,000 | $4,810,000 | 93.6% | 0.6% |
| PENNYMAC LOAN SERVICES, LLC | $875,000 | $4,690,000 | 436.0% | 0.5% |
| LAKEVIEW LOAN SERVICING, LLC | $3,115,000 | $4,650,000 | 49.3% | 0.5% |
| STAR USA FEDERAL CREDIT UNION | $5,600,000 | $4,620,000 | -17.5% | 0.5% |
| Bank of America | $965,000 | $4,060,000 | 320.7% | 0.5% |
| Ally Bank | $1,055,000 | $4,055,000 | 284.4% | 0.5% |
| BROKER SOLUTIONS, INC. | $2,155,000 | $3,780,000 | 75.4% | 0.4% |
| USAA Federal Savings Bank | $5,800,000 | $3,690,000 | -36.4% | 0.4% |
| CALIBER HOME LOANS, INC. | $1,900,000 | $3,630,000 | 91.1% | 0.4% |
| Renasant Bank | $795,000 | $3,545,000 | 345.9% | 0.4% |
| Carrington Mortgage Services, LLC | $3,020,000 | $3,365,000 | 11.4% | 0.4% |
| INTERCOASTAL MORTGAGE COMPANY | $1,645,000 | $3,055,000 | 85.7% | 0.4% |
| Mr. Cooper ( Nationstar Mortgage ) | $2,445,000 | $2,955,000 | 20.9% | 0.3% |
| PENTAGON FEDERAL CREDIT UNION | $580,000 | $2,655,000 | 357.8% | 0.3% |
| First Federal Bank of the Midwest | $3,035,000 | $2,555,000 | -15.8% | 0.3% |
| Peoples Bank | $3,920,000 | $2,515,000 | -35.8% | 0.3% |
| U.S. Bank | $1,415,000 | $2,515,000 | 77.7% | 0.3% |
| NEWREZ LLC | $790,000 | $2,430,000 | 207.6% | 0.3% |
| LIBERTY HOME MORTGAGE CORPORATION | $2,105,000 | $2,410,000 | 14.5% | 0.3% |
| PLANET HOME LENDING, LLC | $2,015,000 | $2,310,000 | 14.6% | 0.3% |
| The Ohio Valley Bank Company | $1,560,000 | $2,270,000 | 45.5% | 0.3% |
| The Farmers Bank & Savings Company | $1,470,000 | $2,220,000 | 51.0% | 0.3% |
| AMERICAN FINANCING CORPORATION | $2,080,000 | n/a | 0.2% | |
| VILLAGE CAPITAL & INVESTMENT LLC | $2,135,000 | $2,055,000 | -3.7% | 0.2% |
| Barrington Bank & Trust Company, N.A. | $2,320,000 | $2,030,000 | -12.5% | 0.2% |
| First Community Bank | $555,000 | $2,015,000 | 263.1% | 0.2% |
| HOME POINT FINANCIAL CORPORATION | $1,165,000 | $1,950,000 | 67.4% | 0.2% |
| CHURCHILL MORTGAGE CORPORATION | $1,080,000 | $1,910,000 | 76.9% | 0.2% |
| Wyndham Capital Mortgage, Inc. | $750,000 | $1,900,000 | 153.3% | 0.2% |
| Citizens Bank | $2,200,000 | $1,785,000 | -18.9% | 0.2% |
| First Guaranty Mortgage Corporation | $1,060,000 | $1,785,000 | 68.4% | 0.2% |
| PNC Bank | $750,000 | $1,605,000 | 114.0% | 0.2% |
| Nations Lending Corporation | $1,390,000 | $1,535,000 | 10.4% | 0.2% |
| Clear Mountain Bank | $785,000 | $1,445,000 | 84.1% | 0.2% |
| SIWELL, INC. | $2,365,000 | $1,350,000 | -42.9% | 0.2% |
| CALCON MUTUAL MORTGAGE LLC | $145,000 | $1,215,000 | 737.9% | 0.1% |
| Community Trust Bank, Inc. | $2,505,000 | $1,135,000 | -54.7% | 0.1% |
| Farm Credit of the Virginias, ACA | $3,005,000 | $1,055,000 | -64.9% | 0.1% |
| MYCUMORTGAGE, LLC | $770,000 | $1,050,000 | 36.4% | 0.1% |
| TCF National Bank | $1,050,000 | n/a | 0.1% | |
| UNITED WHOLESALE MORTGAGE, LLC | $720,000 | $1,040,000 | 44.4% | 0.1% |
| Bank of England | $495,000 | $995,000 | 101.0% | 0.1% |
| Huntington Federal Savings Bank | $135,000 | $975,000 | 622.2% | 0.1% |
| Bank of Tennessee | $905,000 | n/a | 0.1% | |
| Community Bank of Parkersburg | $880,000 | n/a | 0.1% | |
| First Internet Bank of Indiana | $380,000 | $880,000 | 131.6% | 0.1% |
| First National Bank of Pennsylvania | $175,000 | $880,000 | 402.9% | 0.1% |
| Flagstar Bank, FSB | $410,000 | $865,000 | 111.0% | 0.1% |
| First Federal Bank | $350,000 | $855,000 | 144.3% | 0.1% |
| GUARANTEED RATE, INC. | $270,000 | $800,000 | 196.3% | 0.1% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | $815,000 | $780,000 | -4.3% | 0.1% |
| POLARIS HOME FUNDING CORP. | $1,190,000 | $770,000 | -35.3% | 0.1% |
| Hometown Lenders, Inc. | $1,490,000 | $760,000 | -49.0% | 0.1% |
| FAIRWAY INDEPENDENT MORTGAGE CORPORATION | $340,000 | $745,000 | 119.1% | 0.1% |
| ROYAL UNITED MORTGAGE LLC | $740,000 | n/a | 0.1% | |
| PREMIA MORTGAGE, LLC | $735,000 | n/a | 0.1% | |
| The Federal Savings Bank | $2,245,000 | $725,000 | -67.7% | 0.1% |
| Chicago Mortgage Solutions LLC | $675,000 | n/a | 0.1% | |
| NBKC BANK | $395,000 | $640,000 | 62.0% | 0.1% |
| FINANCE OF AMERICA MORTGAGE LLC | $625,000 | n/a | 0.1% | |
| 21ST MORTGAGE CORPORATION | $1,255,000 | $620,000 | -50.6% | 0.1% |
| AMERICAN FINANCIAL RESOURCES, INC. | $520,000 | $580,000 | 11.5% | 0.1% |
| TIAA, FSB | $260,000 | $570,000 | 119.2% | 0.1% |
| AgFirst Farm Credit Bank | $930,000 | $565,000 | -39.2% | 0.1% |
| Equity Prime Mortgage LLC | $555,000 | n/a | 0.1% | |
| Bank of Whittier | $545,000 | n/a | 0.1% | |
| DAS Acquisition Company, LLC | $175,000 | $545,000 | 211.4% | 0.1% |
| Manufacturers and Traders Trust Company | $535,000 | n/a | 0.1% | |
| Discover Bank | $365,000 | $520,000 | 42.5% | 0.1% |
| MCNB Bank and Trust Co. | $1,715,000 | $480,000 | -72.0% | 0.1% |
| CONTOUR MORTGAGE CORPORATION | $460,000 | n/a | 0.1% | |
| BNC National Bank | $135,000 | $430,000 | 218.5% | 0.0% |
| Stifel Bank and Trust | $430,000 | n/a | 0.0% | |
| Paramount Residential Mortgage Group, Inc. | $420,000 | n/a | 0.0% | |
| LENDERFI, INC. | $405,000 | n/a | 0.0% | |
| CREDIT HUMAN FEDERAL CREDIT UNION | $155,000 | $400,000 | 158.1% | 0.0% |
| Alcova Mortgage LLC | $345,000 | $390,000 | 13.0% | 0.0% |
| CITIZENS EQUITY FIRST | $385,000 | n/a | 0.0% | |
| RCB Bank | $385,000 | n/a | 0.0% | |
| WEST VIRGINIA CENTRAL FEDERAL CREDIT UNION | $625,000 | $375,000 | -40.0% | 0.0% |
| ATLANTIC BAY MORTGAGE GROUP, L.L.C. | $410,000 | $365,000 | -11.0% | 0.0% |
| Blue Ridge Bank | $205,000 | $365,000 | 78.0% | 0.0% |
| SIRVA MORTGAGE, INC. | $930,000 | $345,000 | -62.9% | 0.0% |
| First Federal Savings and Loan Association of Lakewood | $335,000 | n/a | 0.0% | |
| Colonial Savings, F.A. | $290,000 | $300,000 | 3.4% | 0.0% |
| ALLEGACY FEDERAL CREDIT UNION | $215,000 | $295,000 | 37.2% | 0.0% |
| CRESCENT MORTGAGE COMPANY | $1,275,000 | $295,000 | -76.9% | 0.0% |
| GUARANTEED RATE AFFINITY, LLC | $125,000 | $295,000 | 136.0% | 0.0% |
| SOUTHWEST STAGE FUNDING, LLC | $685,000 | $295,000 | -56.9% | 0.0% |
| AMERICAN INTERNET MORTGAGE, INC. | $115,000 | $290,000 | 152.2% | 0.0% |
| EMBRACE HOME LOANS, INC. | $165,000 | $290,000 | 75.8% | 0.0% |
| PHH Mortgage Corporation | $400,000 | $290,000 | -27.5% | 0.0% |
| Dollar Bank, Federal Savings Bank | $275,000 | n/a | 0.0% | |
| Plains Commerce Bank | $155,000 | $270,000 | 74.2% | 0.0% |
| Citibank | $240,000 | $260,000 | 8.3% | 0.0% |
| FirstBank | $340,000 | $245,000 | -27.9% | 0.0% |
| CREDIT UNION MORTGAGE ASSOCIATION, INC. | $235,000 | n/a | 0.0% | |
| Northpointe Bank | $625,000 | $235,000 | -62.4% | 0.0% |
| FINANCE OF AMERICA COMMERCIAL LLC | $230,000 | n/a | 0.0% | |
| GENEVA FINANCIAL, LLC | $230,000 | n/a | 0.0% | |
| Low VA Rates, LLC | $545,000 | $220,000 | -59.6% | 0.0% |
| First United Corporation | $215,000 | n/a | 0.0% | |
| Meridian Bank Corporation | $215,000 | n/a | 0.0% | |
| Magnolia Bank | $225,000 | $205,000 | -8.9% | 0.0% |
| STOCKTON MORTGAGE CORPORATION | $175,000 | $200,000 | 14.3% | 0.0% |
| AMERICAN ADVISORS GROUP | $705,000 | $195,000 | -72.3% | 0.0% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | $195,000 | n/a | 0.0% | |
| MICHIGAN MUTUAL, INC. | $195,000 | n/a | 0.0% | |
| STEARNS LENDING, LLC | $195,000 | n/a | 0.0% | |
| TRIAD FINANCIAL SERVICES, INC. | $185,000 | n/a | 0.0% | |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | $995,000 | $175,000 | -82.4% | 0.0% |
| Goldwater Bank, N.A. | $320,000 | $165,000 | -48.4% | 0.0% |
| Integrity Home Mortgage Corp | $165,000 | n/a | 0.0% | |
| MORTGAGE ACCESS CORP. | $165,000 | n/a | 0.0% | |
| LENDINGHOME FUNDING CORPORATION | $105,000 | $150,000 | 42.9% | 0.0% |
| BP Federal Credit Union | $145,000 | n/a | 0.0% | |
| First Federal Bank, A FSB | $145,000 | n/a | 0.0% | |
| Northwest Federal Credit Union | $145,000 | n/a | 0.0% | |
| CBM Mortgage, Inc. | $135,000 | n/a | 0.0% | |
| FIRST COMMUNITY MORTGAGE, INC. | $135,000 | n/a | 0.0% | |
| MID AMERICA MORTGAGE, INC. | $135,000 | n/a | 0.0% | |
| OCEANSIDE MORTGAGE COMPANY | $115,000 | $135,000 | 17.4% | 0.0% |
| HOMESTEAD FUNDING CORP. | $125,000 | n/a | 0.0% | |
| Ameris Bank | $115,000 | n/a | 0.0% | |
| ARC HOME LLC | $115,000 | n/a | 0.0% | |
| Evolve Bank & Trust | $125,000 | $115,000 | -8.0% | 0.0% |
| First Option Mortgage, LLC | $115,000 | n/a | 0.0% | |
| MORIA DEVELOPMENT, INC. | $115,000 | n/a | 0.0% | |
| NASA Federal Credit Union | $115,000 | n/a | 0.0% | |
| US MORTGAGE CORPORATION | $115,000 | n/a | 0.0% | |
| FEDEX EMPLOYEES CREDIT ASSOCIATION | $105,000 | n/a | 0.0% | |
| ROUNDPOINT MORTGAGE SERVICING CORPORATION | $1,675,000 | $105,000 | -93.7% | 0.0% |
| UNIVERSAL Federal Credit Union | $105,000 | n/a | 0.0% | |
| American Airlines Federal Credit Union | $95,000 | n/a | 0.0% | |
| CNB Bank Inc. | $95,000 | n/a | 0.0% | |
| FAY SERVICING, LLC | $95,000 | n/a | 0.0% | |
| Connexus Credit Union | $85,000 | n/a | 0.0% | |
| LENDINGONE, LLC | $85,000 | n/a | 0.0% | |
| Pendleton Community Bank, Inc. | $75,000 | $85,000 | 13.3% | 0.0% |
| Uwharrie Bank | $85,000 | n/a | 0.0% | |
| HANSCOM | $75,000 | n/a | 0.0% | |
| SWBC MORTGAGE CORPORATION | $75,000 | n/a | 0.0% | |
| Arvest Bank | $65,000 | n/a | 0.0% | |
| ATOMIC CREDIT UNION, INC. | $35,000 | n/a | 0.0% | |
| Baxter Credit Union | $25,000 | $25,000 | 0.0% | 0.0% |
| First Commonwealth Bank | $25,000 | n/a | 0.0% | |
| QUORUM FEDERAL CREDIT UNION | $25,000 | n/a | 0.0% | |
| Home Loan Investment Bank, F.S.B. | $15,000 | n/a | 0.0% |
CHARLESTON's top lender by overall market share is QUICKEN LOANS, LLC, with 10.1% market share. In second place, with 7.5%, is Gateway First Bank, having originated $65,090,000 in loans. In third place, with 7.0%, is Victorian Finance, LLC, having originated $60,605,000 in loans. In fourth place, with 6.3%, is PRIMELENDING, A PLAINSCAPITAL COMPANY, having originated $54,370,000 in loans. In fifth place, with 5.9%, is City National Bank of West Virginia, having originated $51,390,000 in loans.
CHARLESTON Housing Market Trends (Median, Average Prices & Listing Count)
Realtor.com - CHARLESTON (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis| Date | Median Listing Price (YoY Change) | Average Listing Price (YoY) | MSA/US Median Price Ratio | Active Listings |
|---|---|---|---|---|
| 2018-01-01 | $137,375 (-1.2%) | $214,622 (1.5%) | 0.51 | 1,173 |
| 2018-02-01 | $139,450 (-0.3%) | $217,369 (-0.3%) | 0.51 | 1,160 |
| 2018-03-01 | $139,900 (0.3%) | $221,137 (0.8%) | 0.49 | 1,165 |
| 2018-04-01 | $145,000 (2.1%) | $229,170 (1.8%) | 0.49 | 1,190 |
| 2018-05-01 | $142,450 (-1.6%) | $225,630 (1.1%) | 0.48 | 1,249 |
| 2018-06-01 | $144,900 (-1.1%) | $225,787 (1.8%) | 0.48 | 1,289 |
| 2018-07-01 | $145,000 (-2.7%) | $228,029 (2.9%) | 0.48 | 1,329 |
| 2018-08-01 | $145,000 (-3.0%) | $228,685 (3.5%) | 0.49 | 1,345 |
| 2018-09-01 | $147,250 (-1.1%) | $231,233 (5.3%) | 0.49 | 1,367 |
| 2018-10-01 | $149,800 (3.3%) | $232,017 (6.8%) | 0.51 | 1,308 |
| 2018-11-01 | $149,450 (4.7%) | $235,903 (9.6%) | 0.51 | 1,267 |
| 2018-12-01 | $145,000 (0.7%) | $234,197 (7.9%) | 0.50 | 1,201 |
| 2019-01-01 | $147,000 (7.0%) | $234,623 (9.3%) | 0.51 | 1,127 |
| 2019-02-01 | $149,125 (6.9%) | $238,803 (9.9%) | 0.50 | 1,123 |
| 2019-03-01 | $149,529 (6.9%) | $238,716 (8.0%) | 0.49 | 1,117 |
| 2019-04-01 | $149,854 (3.4%) | $239,482 (4.5%) | 0.48 | 1,111 |
| 2019-05-01 | $149,900 (5.2%) | $242,702 (7.6%) | 0.47 | 1,153 |
| 2019-06-01 | $149,900 (3.5%) | $240,995 (6.7%) | 0.47 | 1,217 |
| 2019-07-01 | $149,313 (3.0%) | $231,684 (1.6%) | 0.47 | 1,248 |
| 2019-08-01 | $147,791 (1.9%) | $224,929 (-1.6%) | 0.47 | 1,253 |
| 2019-09-01 | $148,977 (1.2%) | $224,637 (-2.9%) | 0.48 | 1,238 |
| 2019-10-01 | $149,900 (0.1%) | $224,636 (-3.2%) | 0.48 | 1,228 |
| 2019-11-01 | $149,000 (-0.3%) | $221,760 (-6.0%) | 0.49 | 1,198 |
| 2019-12-01 | $148,000 (2.1%) | $224,609 (-4.1%) | 0.49 | 1,148 |
| 2020-01-01 | $145,000 (-1.4%) | $228,758 (-2.5%) | 0.48 | 1,089 |
| 2020-02-01 | $145,000 (-2.8%) | $228,107 (-4.5%) | 0.47 | 1,043 |
| 2020-03-01 | $149,950 (0.3%) | $236,827 (-0.8%) | 0.47 | 1,008 |
| 2020-04-01 | $156,350 (4.3%) | $240,959 (0.6%) | 0.49 | 935 |
| 2020-05-01 | $160,000 (6.7%) | $252,557 (4.1%) | 0.49 | 831 |
| 2020-06-01 | $161,325 (7.6%) | $252,406 (4.7%) | 0.47 | 818 |
| 2020-07-01 | $159,900 (7.1%) | $255,984 (10.5%) | 0.46 | 805 |
| 2020-08-01 | $160,695 (8.7%) | $260,226 (15.7%) | 0.46 | 770 |
| 2020-09-01 | $159,900 (7.3%) | $257,820 (14.8%) | 0.46 | 762 |
| 2020-10-01 | $160,348 (7.0%) | $259,469 (15.5%) | 0.46 | 750 |
| 2020-11-01 | $154,950 (4.0%) | $248,460 (12.0%) | 0.45 | 605 |
| 2020-12-01 | $149,800 (1.2%) | $234,088 (4.2%) | 0.45 | 566 |
| 2021-01-01 | $145,000 (0.0%) | $233,530 (2.1%) | 0.43 | 509 |
| 2021-02-01 | $139,000 (-4.1%) | $229,357 (0.6%) | 0.40 | 463 |
| 2021-03-01 | $137,450 (-8.3%) | $230,616 (-2.6%) | 0.39 | 417 |
| 2021-04-01 | $137,225 (-12.2%) | $248,684 (3.2%) | 0.37 | 370 |
| 2021-05-01 | $139,900 (-12.6%) | $249,356 (-1.3%) | 0.37 | 389 |
| 2021-06-01 | $145,000 (-10.1%) | $225,463 (-10.7%) | 0.38 | 395 |
| 2021-07-01 | $149,900 (-6.3%) | $219,146 (-14.4%) | 0.39 | 395 |
| 2021-08-01 | $139,950 (-12.9%) | $208,480 (-19.9%) | 0.37 | 420 |
| 2021-09-01 | $149,900 (-6.3%) | $207,069 (-19.7%) | 0.40 | 441 |
| 2021-10-01 | $144,700 (-9.8%) | $199,114 (-23.3%) | 0.39 | 482 |
| 2021-11-01 | $143,975 (-7.1%) | $203,386 (-18.1%) | 0.38 | 437 |
| 2021-12-01 | $149,975 (0.1%) | $201,329 (-14.0%) | 0.41 | 420 |
| 2022-01-01 | $144,500 (-0.3%) | $200,303 (-14.2%) | 0.39 | 384 |
| 2022-02-01 | $149,075 (7.3%) | $222,912 (-2.8%) | 0.39 | 333 |
| 2022-03-01 | $144,250 (5.0%) | $225,744 (-2.1%) | 0.36 | 297 |
| 2022-04-01 | $148,250 (8.0%) | $229,727 (-7.6%) | 0.35 | 287 |
| 2022-05-01 | $153,215 (9.5%) | $230,561 (-7.5%) | 0.35 | 307 |
| 2022-06-01 | $150,000 (3.5%) | $214,978 (-4.7%) | 0.33 | 349 |
| 2022-07-01 | $149,950 (0.0%) | $218,707 (-0.2%) | 0.34 | 387 |
| 2022-08-01 | $144,875 (3.5%) | $203,907 (-2.2%) | 0.33 | 396 |
| 2022-09-01 | $149,900 (0.0%) | $206,351 (-0.4%) | 0.35 | 388 |
| 2022-10-01 | $149,900 (3.6%) | $206,294 (3.6%) | 0.35 | 399 |
CHARLESTON's median listing price for 2022-10-01 was $149,900, a difference of
$5,200
(3.6%) versus the prior year and
$0 versus the prior month.
CHARLESTON's median listing price comes in at 35% of the national average.
CHARLESTON's average listing price for 2022-10-01 was $206,294, a difference of $7,180 (3.6%) versus the prior year and $-57 versus the prior month.
For the 2022-10-01 period, CHARLESTON had 399 MLS listings, a difference of 11 listings (3%) versus the prior month and -83 listings (-17%) versus the prior year.
CHARLESTON's median listing price comes in at 35% of the national average.
CHARLESTON's average listing price for 2022-10-01 was $206,294, a difference of $7,180 (3.6%) versus the prior year and $-57 versus the prior month.
For the 2022-10-01 period, CHARLESTON had 399 MLS listings, a difference of 11 listings (3%) versus the prior month and -83 listings (-17%) versus the prior year.
Median Listing Time on Market & Square Footage
Realtor.com - CHARLESTON (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis| Date | Median Listing Time on Market | Median Square Footage |
|---|---|---|
| 2018-01-01 | 106 days | 1,800 sqft |
| 2018-02-01 | 108 days | 1,805 sqft |
| 2018-03-01 | 103 days | 1,831 sqft |
| 2018-04-01 | 82 days | 1,848 sqft |
| 2018-05-01 | 78 days | 1,834 sqft |
| 2018-06-01 | 79 days | 1,840 sqft |
| 2018-07-01 | 86 days | 1,853 sqft |
| 2018-08-01 | 92 days | 1,876 sqft |
| 2018-09-01 | 93 days | 1,838 sqft |
| 2018-10-01 | 95 days | 1,868 sqft |
| 2018-11-01 | 96 days | 1,894 sqft |
| 2018-12-01 | 102 days | 1,859 sqft |
| 2019-01-01 | 109 days | 1,862 sqft |
| 2019-02-01 | 110 days | 1,897 sqft |
| 2019-03-01 | 100 days | 1,892 sqft |
| 2019-04-01 | 87 days | 1,876 sqft |
| 2019-05-01 | 81 days | 1,841 sqft |
| 2019-06-01 | 78 days | 1,849 sqft |
| 2019-07-01 | 82 days | 1,854 sqft |
| 2019-08-01 | 84 days | 1,848 sqft |
| 2019-09-01 | 88 days | 1,854 sqft |
| 2019-10-01 | 92 days | 1,858 sqft |
| 2019-11-01 | 95 days | 1,837 sqft |
| 2019-12-01 | 102 days | 1,840 sqft |
| 2020-01-01 | 109 days | 1,836 sqft |
| 2020-02-01 | 107 days | 1,813 sqft |
| 2020-03-01 | 95 days | 1,888 sqft |
| 2020-04-01 | 88 days | 1,921 sqft |
| 2020-05-01 | 98 days | 1,950 sqft |
| 2020-06-01 | 102 days | 1,931 sqft |
| 2020-07-01 | 92 days | 1,905 sqft |
| 2020-08-01 | 82 days | 1,904 sqft |
| 2020-09-01 | 82 days | 1,871 sqft |
| 2020-10-01 | 85 days | 1,864 sqft |
| 2020-11-01 | 83 days | 1,829 sqft |
| 2020-12-01 | 85 days | 1,823 sqft |
| 2021-01-01 | 88 days | 1,805 sqft |
| 2021-02-01 | 82 days | 1,709 sqft |
| 2021-03-01 | 67 days | 1,708 sqft |
| 2021-04-01 | 67 days | 1,681 sqft |
| 2021-05-01 | 49 days | 1,680 sqft |
| 2021-06-01 | 51 days | 1,689 sqft |
| 2021-07-01 | 56 days | 1,740 sqft |
| 2021-08-01 | 52 days | 1,694 sqft |
| 2021-09-01 | 52 days | 1,730 sqft |
| 2021-10-01 | 50 days | 1,687 sqft |
| 2021-11-01 | 60 days | 1,662 sqft |
| 2021-12-01 | 72 days | 1,683 sqft |
| 2022-01-01 | 75 days | 1,658 sqft |
| 2022-02-01 | 77 days | 1,688 sqft |
| 2022-03-01 | 65 days | 1,666 sqft |
| 2022-04-01 | 54 days | 1,654 sqft |
| 2022-05-01 | 49 days | 1,704 sqft |
| 2022-06-01 | 50 days | 1,682 sqft |
| 2022-07-01 | 51 days | 1,712 sqft |
| 2022-08-01 | 54 days | 1,708 sqft |
| 2022-09-01 | 54 days | 1,648 sqft |
| 2022-10-01 | 50 days | 1,645 sqft |
CHARLESTON's median listing age (time on market) for 2022-10-01 was 50 days.
This
is 0%
longer
than the same period one year ago.
CHARLESTON's median square footage for active listings during the 2022-10-01 period was 1,645 sqft. One year prior, the average listing was 1,687 sqft.
CHARLESTON's median square footage for active listings during the 2022-10-01 period was 1,645 sqft. One year prior, the average listing was 1,687 sqft.
CHARLESTON, WV Average Rent (2022)
Zoom/scroll map to see average rent by zip code. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results.
| Zip Code | Metro | Studio Apartment Rent | 1BR Apartment Rent | 2BR Apartment Rent | 3BR Apartment Rent | 4BR Apartment Rent |
|---|---|---|---|---|---|---|
| 25003 | Charleston, WV | $550 | $660 | $790 | $1,000 | $1,110 |
| 25015 | Charleston, WV | $510 | $600 | $730 | $950 | $1,030 |
| 25019 | Charleston, WV | $490 | $600 | $730 | $920 | $1,030 |
| 25025 | Charleston, WV | $590 | $710 | $860 | $1,110 | $1,200 |
| 25030 | Charleston, WV | $490 | $600 | $730 | $920 | $1,030 |
| 25035 | Charleston, WV | $490 | $610 | $730 | $930 | $1,030 |
| 25036 | Charleston, WV | $500 | $600 | $730 | $970 | $1,030 |
| 25039 | Charleston, WV | $520 | $620 | $750 | $980 | $1,050 |
| 25043 | Charleston, WV | $490 | $600 | $730 | $920 | $1,030 |
| 25045 | Charleston, WV | $530 | $640 | $770 | $1,000 | $1,080 |
| 25054 | Charleston, WV | $580 | $700 | $840 | $1,090 | $1,180 |
| 25059 | Charleston, WV | $500 | $600 | $730 | $970 | $1,030 |
| 25061 | Charleston, WV | $580 | $700 | $840 | $1,090 | $1,180 |
| 25063 | Charleston, WV | $490 | $600 | $730 | $920 | $1,030 |
| 25064 | Charleston, WV | $610 | $730 | $880 | $1,140 | $1,230 |
| 25067 | Charleston, WV | $590 | $700 | $850 | $1,110 | $1,190 |
| 25071 | Charleston, WV | $600 | $710 | $860 | $1,120 | $1,200 |
| 25075 | Charleston, WV | $580 | $700 | $840 | $1,090 | $1,180 |
| 25079 | Charleston, WV | $580 | $700 | $840 | $1,090 | $1,180 |
| 25083 | Charleston, WV | $570 | $670 | $820 | $1,070 | $1,150 |
| 25086 | Charleston, WV | $530 | $640 | $770 | $1,000 | $1,080 |
| 25088 | Charleston, WV | $490 | $600 | $730 | $920 | $1,030 |
| 25102 | Charleston, WV | $580 | $700 | $840 | $1,090 | $1,180 |
| 25103 | Charleston, WV | $580 | $700 | $840 | $1,090 | $1,180 |
| 25107 | Charleston, WV | $570 | $690 | $810 | $1,070 | $1,200 |
| 25110 | Charleston, WV | $580 | $700 | $840 | $1,090 | $1,180 |
| 25111 | Charleston, WV | $490 | $600 | $730 | $920 | $1,030 |
| 25112 | Charleston, WV | $610 | $730 | $880 | $1,140 | $1,230 |
| 25113 | Charleston, WV | $490 | $600 | $730 | $920 | $1,030 |
| 25124 | Charleston, WV | $670 | $700 | $910 | $1,190 | $1,380 |
| 25125 | Charleston, WV | $490 | $600 | $730 | $920 | $1,030 |
| 25126 | Charleston, WV | $580 | $700 | $840 | $1,090 | $1,180 |
| 25132 | Charleston, WV | $520 | $630 | $760 | $990 | $1,060 |
| 25133 | Charleston, WV | $490 | $600 | $730 | $920 | $1,030 |
| 25134 | Charleston, WV | $580 | $700 | $840 | $1,090 | $1,180 |
| 25136 | Charleston, WV | $500 | $600 | $730 | $940 | $1,030 |
| 25141 | Charleston, WV | $490 | $600 | $730 | $920 | $1,030 |
| 25143 | Charleston, WV | $640 | $740 | $910 | $1,190 | $1,310 |
| 25156 | Charleston, WV | $580 | $700 | $840 | $1,090 | $1,180 |
| 25159 | Charleston, WV | $850 | $870 | $1,140 | $1,500 | $1,760 |
| 25160 | Charleston, WV | $530 | $640 | $770 | $1,000 | $1,070 |
| 25162 | Charleston, WV | $510 | $600 | $730 | $950 | $1,030 |
| 25164 | Charleston, WV | $490 | $600 | $730 | $920 | $1,030 |
| 25177 | Charleston, WV | $590 | $670 | $820 | $1,060 | $1,280 |
| 25201 | Charleston, WV | $620 | $750 | $900 | $1,170 | $1,260 |
| 25202 | Charleston, WV | $550 | $660 | $790 | $1,020 | $1,110 |
| 25211 | Charleston, WV | $490 | $600 | $730 | $920 | $1,030 |
| 25214 | Charleston, WV | $580 | $700 | $840 | $1,090 | $1,180 |
| 25235 | Charleston, WV | $490 | $600 | $730 | $920 | $1,030 |
| 25248 | Charleston, WV | $590 | $630 | $820 | $1,060 | $1,280 |
| 25285 | Charleston, WV | $490 | $600 | $730 | $920 | $1,030 |
| 25286 | Charleston, WV | $580 | $700 | $840 | $1,090 | $1,180 |
| 25301 | Charleston, WV | $560 | $670 | $810 | $1,050 | $1,130 |
| 25302 | Charleston, WV | $550 | $660 | $800 | $1,040 | $1,120 |
| 25303 | Charleston, WV | $550 | $660 | $800 | $1,040 | $1,120 |
| 25304 | Charleston, WV | $580 | $700 | $840 | $1,090 | $1,180 |
| 25305 | Charleston, WV | $580 | $700 | $840 | $1,090 | $1,180 |
| 25306 | Charleston, WV | $650 | $780 | $940 | $1,220 | $1,320 |
| 25309 | Charleston, WV | $510 | $600 | $730 | $950 | $1,030 |
| 25311 | Charleston, WV | $580 | $700 | $840 | $1,090 | $1,180 |
| 25312 | Charleston, WV | $600 | $710 | $860 | $1,120 | $1,280 |
| 25313 | Charleston, WV | $610 | $730 | $880 | $1,140 | $1,230 |
| 25314 | Charleston, WV | $660 | $790 | $950 | $1,240 | $1,330 |
| 25315 | Charleston, WV | $530 | $630 | $760 | $990 | $1,060 |
| 25320 | Charleston, WV | $530 | $640 | $770 | $1,000 | $1,080 |
| 25321 | Charleston, WV | $580 | $700 | $840 | $1,090 | $1,180 |
| 25322 | Charleston, WV | $580 | $700 | $840 | $1,090 | $1,180 |
| 25323 | Charleston, WV | $580 | $700 | $840 | $1,090 | $1,180 |
| 25324 | Charleston, WV | $580 | $700 | $840 | $1,090 | $1,180 |
| 25325 | Charleston, WV | $580 | $700 | $840 | $1,090 | $1,180 |
| 25326 | Charleston, WV | $580 | $700 | $840 | $1,090 | $1,180 |
| 25327 | Charleston, WV | $580 | $700 | $840 | $1,090 | $1,180 |
| 25328 | Charleston, WV | $580 | $700 | $840 | $1,090 | $1,180 |
| 25329 | Charleston, WV | $580 | $700 | $840 | $1,090 | $1,180 |
| 25330 | Charleston, WV | $580 | $700 | $840 | $1,090 | $1,180 |
| 25331 | Charleston, WV | $580 | $700 | $840 | $1,090 | $1,180 |
| 25332 | Charleston, WV | $580 | $700 | $840 | $1,090 | $1,180 |
| 25333 | Charleston, WV | $580 | $700 | $840 | $1,090 | $1,180 |
| 25334 | Charleston, WV | $580 | $700 | $840 | $1,090 | $1,180 |
| 25335 | Charleston, WV | $580 | $700 | $840 | $1,090 | $1,180 |
| 25336 | Charleston, WV | $580 | $700 | $840 | $1,090 | $1,180 |
| 25337 | Charleston, WV | $580 | $700 | $840 | $1,090 | $1,180 |
| 25338 | Charleston, WV | $580 | $700 | $840 | $1,090 | $1,180 |
| 25339 | Charleston, WV | $580 | $700 | $840 | $1,090 | $1,180 |
| 25361 | Charleston, WV | $580 | $700 | $840 | $1,090 | $1,180 |
| 25362 | Charleston, WV | $580 | $700 | $840 | $1,090 | $1,180 |
| 25364 | Charleston, WV | $580 | $700 | $840 | $1,090 | $1,180 |
| 25387 | Charleston, WV | $580 | $700 | $840 | $1,090 | $1,180 |
| 25389 | Charleston, WV | $580 | $700 | $840 | $1,090 | $1,180 |
| 26617 | Charleston, WV | $490 | $600 | $730 | $920 | $1,030 |
2022 Average & Median Rent Data Statistics
CHARLESTON, WV average 1BR rent: $673, median: $700
CHARLESTON, WV average 2BR rent: $814, median: $840
CHARLESTON, WV average 3BR rent: $1,053, median: $1,090
CHARLESTON, WV Market Loan Reason
| Loan Purpose | Originations | Total Value | Average Loan |
|---|---|---|---|
| Home Purchase | 2,707 | $457,625,000 | $169,052 |
| Refi | 1,786 | $278,140,000 | $155,733 |
| Cash Out Refi | 726 | $101,290,000 | $139,518 |
| Home Improvement | 228 | $15,030,000 | $65,921 |
| Other | 220 | $17,090,000 | $77,682 |
Charleston's most frequently cited loan purpose was Home Purchase, with 2,707 originations. The 2nd most popular reason was Refi, with 1,786 originations.
Interest Rate Frequencies
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 3-4% | 2,006 | $304,350,000 | $151,720 |
| 2.5-3% | 1,829 | $300,875,000 | $164,502 |
| <2.5% | 835 | $141,885,000 | $169,922 |
| 4-5% | 344 | $45,460,000 | $132,151 |
| Over 8% | 64 | $4,630,000 | $72,344 |
| 5-6% | 42 | $3,230,000 | $76,905 |
| 6-7% | 34 | $3,100,000 | $91,176 |
| 7-8% | 28 | $2,380,000 | $85,000 |
During 2021, Charleston's most frequently originated rate bucket was 3-4%, with 2,006 originations.
Loan Sizing (CHARLESTON, WV MSA)
| Loan Size | Originations | Total Value | Average Loan |
|---|---|---|---|
| $100k-200k | 2,612 | $370,510,000 | $141,849 |
| $100,000 or less | 1,876 | $124,250,000 | $66,231 |
| $200k-400k | 1,004 | $265,850,000 | $264,791 |
| $400k-600k | 132 | $62,440,000 | $473,030 |
| $600k-1000k | 30 | $21,530,000 | $717,667 |
| $Over $1MM | 13 | $24,595,000 | $1,891,923 |
CHARLESTON's loan sizing saw the bucket of loans from $100k-200k with 2,612 originations, totaling $370,510,000 in origination value.
LTV Distribution
| Loan to Value | Originations | Total Value | Average Loan |
|---|---|---|---|
| 80-100% | 2,529 | $423,255,000 | $167,361 |
| 60-80% | 1,426 | $237,550,000 | $166,585 |
| 40-60% | 503 | $66,995,000 | $133,191 |
| 20-40% | 303 | $23,085,000 | $76,188 |
| Under 20% | 162 | $5,900,000 | $36,420 |
| Over 100% | 66 | $18,520,000 | $280,606 |
CHARLESTON's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 2,529 originations, totaling $423,255,000 in origination value.
