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 6.71% for the week of 2024-06-13, compared to the national average of 6.95% for the same period.

The average rate for the prior week (2024-06-06) was 6.65% and one month ago for the week of 2024-05-09, the average rate was 6.85%.

Charleston's average rate one year ago was 6.37%.

For refis of the same type during the week of 2024-06-13, the average rate was 7.77%.

Loan Type Date Rate
US 30 Year Fixed Rate 2024-06-13 6.95%
Charleston 30 Year Fixed Rate 2024-06-13 6.71%
Charleston 30 Year Fixed Rate Refi 2024-06-13 7.77%
Charleston 15 Year Fixed Rate 2024-06-13 6.27%
Charleston 15 Year Fixed Rate Refi 2024-06-13 6.47%
Charleston 30 Year FHA 2024-06-13 6.7%
Charleston 30 Year FHA Refi 2024-06-13 6.51%
Charleston 30 Year USDA 2024-06-13 6.57%
Charleston 30 Year USDA Refi 2024-06-13 6.91%
Charleston 30 Year VA 2024-06-13 6.6%
Charleston 30 Year VA Refi 2024-06-13 6.52%
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.).

Name # of Loans 2023 Avg. 30yFix Rate 2023 Avg. Closing Costs
City National Bank of West Virginia 144 6.10% $1,587
QUICKEN LOANS, LLC 77 7.00% $5,498
Victorian Finance, LLC 72 6.50% $4,052
LOANDEPOT.COM, LLC 65 6.73% $4,457
Gateway First Bank 65 6.68% $3,776
JPMorgan Chase Bank 49 6.88% $4,508
Truist 39 6.86% $3,651
WesBanco 37 6.26% $4,179
PRIMELENDING, A PLAINSCAPITAL COMPANY 30 7.28% $5,279
CROSSCOUNTRY MORTGAGE, LLC 27 7.36% $5,847
United Bank 27 6.14% $3,789
The Huntington National Bank 23 6.67% $3,816
MOVEMENT MORTGAGE, LLC 22 6.73% $4,568
Fifth Third Bank 16 6.96% $4,197
Summit Community Bank, Inc. 14 6.92% $3,193
U.S. Bank 12 6.31% $3,647
SUCCESS MORTGAGE PARTNERS, INC. 10 7.61% $6,178
Peoples Bank 10 6.71% $4,421
T2 FINANCIAL LLC 10 6.75% $4,630
GUARANTEED RATE, INC. 9 7.27% $4,935
HOMESPIRE MORTGAGE CORPORATION 9 6.88% $4,713
UNITED WHOLESALE MORTGAGE, LLC 8 7.69% $4,998
UNION HOME MORTGAGE CORP. 7 7.13% $4,520
NAVY FEDERAL CREDIT UNION 7 7.45% $4,788
AMERISAVE MORTGAGE CORPORATION 7 6.66% $7,868
Wells Fargo Bank 6 7.08% $4,195
The Ohio Valley Bank Company 5 6.18% $3,520
Discover Bank 4 7.87% $0
CALIBER HOME LOANS, INC. 4 6.78% $3,767
BROKER SOLUTIONS, INC. 4 7.56% $5,430
ROYAL UNITED MORTGAGE LLC 3 7.42% $6,164
Mortgage Research Center, LLC 3 6.50% $1,751
Huntington Federal Savings Bank 3 6.58% $3,248
Ally Bank 3 6.88% $5,925
BETTER MORTGAGE CORPORATION 3 7.04% $1,943
Farm Credit of the Virginias, ACA 2 8.58% $4,695
USAA Federal Savings Bank 2 6.81% $4,253
First Horizon Bank 2 6.88% $5,203
VANDERBILT MORTGAGE AND FINANCE, INC. 2 8.88% $5,471
CHURCHILL MORTGAGE CORPORATION 2 6.87% $4,094
Waterstone Mortgage Corporation 2 7.75% $4,765
Quontic Bank 2 9.19% $12,240
INTERCOASTAL MORTGAGE COMPANY 2 6.56% $5,602
POLARIS HOME FUNDING CORP. 2 6.56% $8,079
Bank of England 2 6.56% $4,686
PNC Bank 2 7.63% $4,436
Mr. Cooper ( Nationstar Mortgage ) 2 7.49% $8,276
Flagstar Bank, FSB 2 6.95% $4,683
ZILLOW HOME LOANS, LLC 1 8.00% $3,555
AMERICAN FINANCIAL RESOURCES, INC. 1 6.63% $11,229
AMERICAN FINANCING CORPORATION 1 6.63% $7,368
American Mortgage & Equity Consultants, Inc. 1 7.13% $5,470
Apple Federal Credit Union 1 6.13% $5,675
ASHLAND Credit Union 1 6.25% $7,885
Atlantic Union Bank 1 7.00% $6,626
Bank of America 1 6.50% $3,140
Baxter Credit Union 1 6.25% $7,003
BNC National Bank 1 6.13% $3,032
Carrington Mortgage Services, LLC 1 6.50% $8,277
CONTOUR MORTGAGE CORPORATION 1 7.88% $7,990
Deere Employees Credit Union 1 6.25% $4,233
EASTMAN 1 6.50% $3,931
FirstBank 1 7.13% $3,531
First-Citizens Bank & Trust Company 1 7.63% $4,793
First Federal Bank of the Midwest 1 6.50% $2,998
First National Bank of Pennsylvania 1 5.38% $3,719
FREEDOM MORTGAGE CORPORATION 1 6.25% $5,958
Ixonia Bank 1 7.63% $9,253
LIBERTY HOME MORTGAGE CORPORATION 1 6.50% $5,434
NBKC BANK 1 7.00% $3,750
NEWREZ LLC 1 6.63% $4,896
PENNYMAC LOAN SERVICES, LLC 1 6.38% $4,376
PENTAGON FEDERAL CREDIT UNION 1 6.38% $6,246
PHH Mortgage Corporation 1 7.88% $5,700
Princeton Mortgage Corporation 1 6.88% $3,782
SOUTHWEST STAGE FUNDING, LLC 1 6.88% $4,705
STAR USA FEDERAL CREDIT UNION 1 4.95% $4,229
SUN WEST MORTGAGE COMPANY, INC. 1 6.87% $2,696
The Park National Bank 1 6.88% $3,231
Uwharrie Bank 1 6.75% $4,400

CHARLESTON Average Closing Costs & Other Stats

CHARLESTON, WV's 80 lenders originated 3,283 loans during 2023. The total origination value was $458,845,000, with an average loan value of $139,764.

CHARLESTON's average closing costs are $4,263.

The top CHARLESTON lender as defined by loan originations is City National Bank of West Virginia, with 144 loans originated. Their average total fees are $1,587, which is $3,911 lower than the next largest lender, QUICKEN LOANS, LLC.

The lowest fee CHARLESTON lenders (with over 10 loans originated) are City National Bank of West Virginia ($1,587), Summit Community Bank, Inc. ($3,193), U.S. Bank ($3,647), Truist ($3,651) and Gateway First Bank ($3,776).

The lowest rate CHARLESTON lenders (with over 10 loans originated) are City National Bank of West Virginia (6.10%), United Bank (6.14%), WesBanco (6.26%), U.S. Bank (6.31%) and Victorian Finance, LLC (6.50%).

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 2022 Loan Value 2023 Loan Value % Change 2023 Market Share
City National Bank of West Virginia $57,180,000 $47,505,000 -16.9% 10.4%
LOANDEPOT.COM, LLC $32,950,000 $29,450,000 -10.6% 6.4%
The Poca Valley Bank, Inc. $23,155,000 $28,615,000 23.6% 6.2%
QUICKEN LOANS, LLC $46,430,000 $27,745,000 -40.2% 6.0%
Gateway First Bank $46,350,000 $25,370,000 -45.3% 5.5%
Victorian Finance, LLC $33,260,000 $22,605,000 -32.0% 4.9%
Truist $22,870,000 $17,970,000 -21.4% 3.9%
PRIMELENDING, A PLAINSCAPITAL COMPANY $27,635,000 $16,965,000 -38.6% 3.7%
WesBanco $31,770,000 $16,310,000 -48.7% 3.6%
Summit Community Bank, Inc. $33,760,000 $14,280,000 -57.7% 3.1%
The Huntington National Bank $25,775,000 $14,120,000 -45.2% 3.1%
JPMorgan Chase Bank $17,510,000 $13,580,000 -22.4% 3.0%
MOVEMENT MORTGAGE, LLC $14,225,000 $12,355,000 -13.1% 2.7%
Mortgage Research Center, LLC $16,385,000 $11,565,000 -29.4% 2.5%
CROSSCOUNTRY MORTGAGE, LLC $8,845,000 $11,560,000 30.7% 2.5%
United Bank $16,835,000 $9,535,000 -43.4% 2.1%
VANDERBILT MORTGAGE AND FINANCE, INC. $7,915,000 $7,430,000 -6.1% 1.6%
Putnam County Bank $11,950,000 $6,970,000 -41.7% 1.5%
Fifth Third Bank $9,000,000 $6,070,000 -32.6% 1.3%
SUCCESS MORTGAGE PARTNERS, INC. $5,885,000 n/a 1.3%
GUARANTEED RATE, INC. $185,000 $5,485,000 2,864.9% 1.2%
Clay County Bank, Inc. $6,105,000 $5,150,000 -15.6% 1.1%
U.S. Bank $3,835,000 $4,915,000 28.2% 1.1%
NAVY FEDERAL CREDIT UNION $1,970,000 $4,825,000 144.9% 1.1%
AMERISAVE MORTGAGE CORPORATION $4,875,000 $4,350,000 -10.8% 0.9%
HOMESPIRE MORTGAGE CORPORATION $5,205,000 $3,905,000 -25.0% 0.9%
Peoples Bank $125,000 $3,645,000 2,816.0% 0.8%
WEST VIRGINIA FEDERAL CREDIT UNION $3,475,000 n/a 0.8%
BROKER SOLUTIONS, INC. $2,305,000 $3,245,000 40.8% 0.7%
UNION HOME MORTGAGE CORP. $2,830,000 $2,830,000 0.0% 0.6%
UNITED WHOLESALE MORTGAGE, LLC $1,365,000 $2,610,000 91.2% 0.6%
Logan Bank & Trust Company $9,490,000 $2,515,000 -73.5% 0.5%
T2 FINANCIAL LLC $375,000 $2,350,000 526.7% 0.5%
Whitesville State Bank $2,235,000 n/a 0.5%
ORIX REAL ESTATE CAPITAL, LLC $2,075,000 n/a 0.5%
The Ohio Valley Bank Company $3,425,000 $2,020,000 -41.0% 0.4%
POLARIS HOME FUNDING CORP. $1,195,000 $2,015,000 68.6% 0.4%
THE STATE CREDIT UNION $2,010,000 n/a 0.4%
Wells Fargo Bank $3,525,000 $1,965,000 -44.3% 0.4%
CAMC Federal Credit Union $2,590,000 $1,905,000 -26.4% 0.4%
Community Trust Bank, Inc. $545,000 $1,905,000 249.5% 0.4%
PENNYMAC LOAN SERVICES, LLC $1,515,000 $1,820,000 20.1% 0.4%
Mr. Cooper ( Nationstar Mortgage ) $2,890,000 $1,680,000 -41.9% 0.4%
FREEDOM MORTGAGE CORPORATION $3,395,000 $1,575,000 -53.6% 0.3%
Barrington Bank & Trust Company, N.A. $1,450,000 $1,370,000 -5.5% 0.3%
The Federal Savings Bank $1,260,000 n/a 0.3%
USAA Federal Savings Bank $3,505,000 $1,250,000 -64.3% 0.3%
PNC Bank $1,450,000 $1,240,000 -14.5% 0.3%
FIRST NEIGHBORHOOD BANK INC $1,190,000 n/a 0.3%
Ally Bank $1,815,000 $935,000 -48.5% 0.2%
American Mortgage & Equity Consultants, Inc. $910,000 n/a 0.2%
ROYAL UNITED MORTGAGE LLC $990,000 $895,000 -9.6% 0.2%
Discover Bank $470,000 $870,000 85.1% 0.2%
AMERICAN FINANCIAL RESOURCES, INC. $445,000 $850,000 91.0% 0.2%
Charles Schwab Bank, SSB $825,000 n/a 0.2%
Members Choice WV Federal Credit Union $820,000 n/a 0.2%
Quontic Bank $790,000 n/a 0.2%
Williamstown Bank, Inc $785,000 n/a 0.2%
Carrington Mortgage Services, LLC $1,080,000 $755,000 -30.1% 0.2%
Equity Prime Mortgage LLC $3,335,000 $750,000 -77.5% 0.2%
CALIBER HOME LOANS, INC. $1,075,000 $740,000 -31.2% 0.2%
First Horizon Bank $125,000 $730,000 484.0% 0.2%
MCNB Bank and Trust Co. $655,000 $700,000 6.9% 0.2%
First Federal Bank of the Midwest $1,095,000 $685,000 -37.4% 0.1%
Huntington Federal Savings Bank $1,080,000 $665,000 -38.4% 0.1%
NBKC BANK $610,000 $630,000 3.3% 0.1%
The Farmers Bank & Savings Company $1,785,000 $615,000 -65.5% 0.1%
PENTAGON FEDERAL CREDIT UNION $730,000 $580,000 -20.5% 0.1%
LENDINGONE, LLC $165,000 $575,000 248.5% 0.1%
TRIAD FINANCIAL SERVICES, INC. $570,000 n/a 0.1%
FINANCE OF AMERICA REVERSE LLC $165,000 $555,000 236.4% 0.1%
Flagstar Bank, FSB $1,995,000 $535,000 -73.2% 0.1%
ZILLOW HOME LOANS, LLC $225,000 $535,000 137.8% 0.1%
CREDIT HUMAN FEDERAL CREDIT UNION $620,000 $515,000 -16.9% 0.1%
First-Citizens Bank & Trust Company $350,000 $515,000 47.1% 0.1%
INTERCOASTAL MORTGAGE COMPANY $295,000 $485,000 64.4% 0.1%
Waterstone Mortgage Corporation $480,000 n/a 0.1%
21ST MORTGAGE CORPORATION $925,000 $475,000 -48.6% 0.1%
Bank of England $770,000 $475,000 -38.3% 0.1%
Nations Lending Corporation $900,000 $475,000 -47.2% 0.1%
STAR USA FEDERAL CREDIT UNION $830,000 $475,000 -42.8% 0.1%
Farm Credit of the Virginias, ACA $1,315,000 $465,000 -64.6% 0.1%
Bank of America $1,820,000 $430,000 -76.4% 0.1%
Community Bank of Parkersburg $455,000 $405,000 -11.0% 0.1%
LIBERTY HOME MORTGAGE CORPORATION $1,795,000 $395,000 -78.0% 0.1%
BETTER MORTGAGE CORPORATION $985,000 $385,000 -60.9% 0.1%
Alcova Mortgage LLC $95,000 $360,000 278.9% 0.1%
AMERICAN FINANCING CORPORATION $640,000 $360,000 -43.8% 0.1%
BNC National Bank $220,000 $345,000 56.8% 0.1%
LIMA ONE CAPITAL, LLC $335,000 n/a 0.1%
First Savings Bank $195,000 $315,000 61.5% 0.1%
DAS Acquisition Company, LLC $425,000 $310,000 -27.1% 0.1%
DEEPHAVEN MORTGAGE LLC $295,000 n/a 0.1%
Ixonia Bank $285,000 n/a 0.1%
MORIA DEVELOPMENT, INC. $115,000 $285,000 147.8% 0.1%
CMG MORTGAGE, INC. $275,000 n/a 0.1%
First National Bank of Pennsylvania $1,390,000 $275,000 -80.2% 0.1%
Uwharrie Bank $275,000 n/a 0.1%
Deere Employees Credit Union $265,000 n/a 0.1%
M&T Bank $305,000 $240,000 -21.3% 0.1%
Atlantic Union Bank $195,000 $235,000 20.5% 0.1%
Calhoun County Bank, Inc. $610,000 $235,000 -61.5% 0.1%
SUN WEST MORTGAGE COMPANY, INC. $225,000 n/a 0.0%
CHURCHILL MORTGAGE CORPORATION $1,235,000 $220,000 -82.2% 0.0%
Baxter Credit Union $215,000 n/a 0.0%
First Guaranty Bank $215,000 n/a 0.0%
CONTOUR MORTGAGE CORPORATION $155,000 $205,000 32.3% 0.0%
ASHLAND Credit Union $105,000 $195,000 85.7% 0.0%
Community First National Bank $195,000 n/a 0.0%
Paramount Residential Mortgage Group, Inc. $185,000 $195,000 5.4% 0.0%
The Park National Bank $195,000 n/a 0.0%
US MORTGAGE CORPORATION $125,000 $195,000 56.0% 0.0%
PHH Mortgage Corporation $135,000 $190,000 40.7% 0.0%
Armed Forces Bank $335,000 $185,000 -44.8% 0.0%
FirstBank $390,000 $185,000 -52.6% 0.0%
WEST VIRGINIA CENTRAL FEDERAL CREDIT UNION $220,000 $185,000 -15.9% 0.0%
SOUTHWEST STAGE FUNDING, LLC $205,000 $180,000 -12.2% 0.0%
EASTMAN $95,000 $175,000 84.2% 0.0%
Princeton Mortgage Corporation $175,000 n/a 0.0%
NEWREZ LLC $890,000 $170,000 -80.9% 0.0%
LAFAYETTE FEDERAL CREDIT UNION $165,000 n/a 0.0%
GUILD MORTGAGE COMPANY $55,000 $145,000 163.6% 0.0%
TOTAL MORTGAGE SERVICES, LLC $145,000 n/a 0.0%
Bethpage Federal Credit Union $135,000 n/a 0.0%
Apple Federal Credit Union $185,000 $115,000 -37.8% 0.0%
LAKEVIEW LOAN SERVICING, LLC $615,000 $115,000 -81.3% 0.0%
COMMONWEALTH ONE FEDERAL CREDIT UNION $105,000 n/a 0.0%
AMERICAN HERITAGE LENDING, INC. $200,000 $95,000 -52.5% 0.0%
FAIRWAY INDEPENDENT MORTGAGE CORPORATION $610,000 $95,000 -84.4% 0.0%
LENDINGHOME FUNDING CORPORATION $1,010,000 $85,000 -91.6% 0.0%
VELOCITY COMMERCIAL CAPITAL, LLC $85,000 n/a 0.0%
FINANCE OF AMERICA MORTGAGE LLC $350,000 $55,000 -84.3% 0.0%
Secured Investment Corp. $55,000 n/a 0.0%
CITIZENS EQUITY FIRST $50,000 n/a 0.0%
Arvest Bank $570,000 $45,000 -92.1% 0.0%
PLANET HOME LENDING, LLC $640,000 $35,000 -94.5% 0.0%
BAYER HERITAGE $310,000 $25,000 -91.9% 0.0%

CHARLESTON's top lender by overall market share is City National Bank of West Virginia, with 10.4% market share. In second place, with 6.4%, is LOANDEPOT.COM, LLC, having originated $29,450,000 in loans. In third place, with 6.2%, is The Poca Valley Bank, Inc., having originated $28,615,000 in loans. In fourth place, with 6.0%, is QUICKEN LOANS, LLC, having originated $27,745,000 in loans. In fifth place, with 5.5%, is Gateway First Bank, having originated $25,370,000 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 $137,125 (-1.5%) $214,526 (0.5%) 0.51 1,174
2018-02-01 $139,450 (-0.3%) $217,269 (-1.4%) 0.51 1,160
2018-03-01 $139,900 (0.2%) $221,052 (-0.2%) 0.49 1,166
2018-04-01 $145,000 (2.1%) $229,143 (1.5%) 0.49 1,190
2018-05-01 $142,450 (-1.6%) $225,609 (1.1%) 0.48 1,249
2018-06-01 $144,900 (-1.1%) $225,933 (1.9%) 0.48 1,288
2018-07-01 $145,000 (-2.7%) $228,096 (3.0%) 0.48 1,329
2018-08-01 $145,000 (-3.0%) $228,677 (3.5%) 0.49 1,345
2018-09-01 $146,500 (-1.3%) $231,103 (5.3%) 0.49 1,368
2018-10-01 $149,800 (3.3%) $231,948 (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 (8.0%) 0.50 1,201
2019-01-01 $147,125 (7.3%) $234,698 (9.4%) 0.51 1,127
2019-02-01 $149,000 (6.9%) $238,787 (9.9%) 0.50 1,122
2019-03-01 $149,386 (6.8%) $238,653 (8.0%) 0.49 1,116
2019-04-01 $149,836 (3.3%) $239,382 (4.5%) 0.48 1,110
2019-05-01 $149,900 (5.2%) $242,577 (7.5%) 0.47 1,153
2019-06-01 $149,900 (3.5%) $240,976 (6.7%) 0.47 1,216
2019-07-01 $149,000 (2.8%) $231,413 (1.5%) 0.47 1,246
2019-08-01 $146,882 (1.3%) $224,720 (-1.7%) 0.47 1,251
2019-09-01 $148,580 (1.4%) $224,438 (-2.9%) 0.48 1,237
2019-10-01 $149,900 (0.1%) $224,444 (-3.2%) 0.48 1,227
2019-11-01 $149,000 (-0.3%) $221,567 (-6.1%) 0.49 1,197
2019-12-01 $147,750 (1.9%) $224,408 (-4.2%) 0.49 1,147
2020-01-01 $144,975 (-1.5%) $228,547 (-2.6%) 0.48 1,088
2020-02-01 $145,000 (-2.7%) $227,886 (-4.6%) 0.47 1,042
2020-03-01 $149,950 (0.4%) $236,608 (-0.9%) 0.47 1,007
2020-04-01 $156,225 (4.3%) $240,727 (0.6%) 0.49 934
2020-05-01 $160,000 (6.7%) $252,309 (4.0%) 0.49 830
2020-06-01 $161,200 (7.5%) $252,155 (4.6%) 0.47 817
2020-07-01 $159,900 (7.3%) $255,733 (10.5%) 0.46 804
2020-08-01 $160,348 (9.2%) $259,978 (15.7%) 0.46 769
2020-09-01 $159,900 (7.6%) $257,560 (14.8%) 0.46 761
2020-10-01 $160,000 (6.7%) $259,205 (15.5%) 0.46 749
2020-11-01 $154,850 (3.9%) $248,140 (12.0%) 0.45 604
2020-12-01 $149,700 (1.3%) $233,723 (4.2%) 0.45 565
2021-01-01 $144,500 (-0.3%) $233,079 (2.0%) 0.43 508
2021-02-01 $139,000 (-4.1%) $228,881 (0.4%) 0.40 462
2021-03-01 $137,450 (-8.3%) $230,110 (-2.8%) 0.39 416
2021-04-01 $137,000 (-12.3%) $248,130 (3.1%) 0.37 369
2021-05-01 $139,900 (-12.6%) $248,851 (-1.4%) 0.37 388
2021-06-01 $145,000 (-10.1%) $224,925 (-10.8%) 0.38 394
2021-07-01 $149,900 (-6.3%) $218,567 (-14.5%) 0.40 394
2021-08-01 $139,925 (-12.7%) $208,128 (-19.9%) 0.37 420
2021-09-01 $148,475 (-7.2%) $206,386 (-19.9%) 0.40 441
2021-10-01 $144,250 (-9.8%) $198,489 (-23.4%) 0.38 482
2021-11-01 $143,700 (-7.2%) $202,766 (-18.3%) 0.38 437
2021-12-01 $149,950 (0.2%) $200,695 (-14.1%) 0.41 420
2022-01-01 $144,000 (-0.4%) $199,630 (-14.4%) 0.39 385
2022-02-01 $148,500 (6.8%) $222,136 (-3.0%) 0.39 332
2022-03-01 $143,975 (4.8%) $225,133 (-2.2%) 0.36 296
2022-04-01 $147,500 (7.7%) $228,983 (-7.7%) 0.35 286
2022-05-01 $152,680 (9.1%) $229,882 (-7.6%) 0.35 306
2022-06-01 $150,000 (3.5%) $214,329 (-4.7%) 0.33 348
2022-07-01 $149,900 (0.0%) $218,086 (-0.2%) 0.34 386
2022-08-01 $144,750 (3.5%) $203,258 (-2.3%) 0.33 395
2022-09-01 $149,900 (1.0%) $205,444 (-0.5%) 0.35 387
2022-10-01 $149,700 (3.8%) $205,685 (3.6%) 0.35 398
2022-11-01 $145,000 (0.9%) $201,312 (-0.7%) 0.35 396
2022-12-01 $139,950 (-6.7%) $196,205 (-2.2%) 0.35 389
2023-01-01 $144,938 (0.7%) $197,266 (-1.2%) 0.36 363
2023-02-01 $145,000 (-2.4%) $213,498 (-3.9%) 0.35 320
2023-03-01 $152,090 (5.6%) $239,369 (6.3%) 0.36 312
2023-04-01 $150,000 (1.7%) $238,705 (4.3%) 0.35 272
2023-05-01 $166,948 (9.3%) $243,073 (5.7%) 0.38 284
2023-06-01 $169,875 (13.3%) $252,856 (18.0%) 0.38 302
2023-07-01 $169,900 (13.3%) $248,209 (13.8%) 0.39 325
2023-08-01 $159,950 (10.5%) $237,452 (16.8%) 0.37 338
2023-09-01 $173,863 (16.0%) $227,925 (10.9%) 0.40 338
2023-10-01 $158,500 (5.9%) $210,258 (2.2%) 0.37 352
2023-11-01 $146,125 (0.8%) $208,739 (3.7%) 0.35 343
2023-12-01 $159,900 (14.3%) $222,339 (13.3%) 0.39 331
2024-01-01 $165,950 (14.5%) $220,036 (11.5%) 0.41 302
2024-02-01 $152,475 (5.2%) $217,068 (1.7%) 0.37 313
2024-03-01 $164,973 (8.5%) $241,931 (1.1%) 0.39 304
2024-04-01 $156,043 (4.0%) $231,366 (-3.1%) 0.36 318
2024-05-01 $153,250 (-8.2%) $238,632 (-1.8%) 0.35 336
CHARLESTON's median listing price for 2024-05-01 was $153,250, a difference of $-13,698 (-8.2%) versus the prior year and $-2,793 versus the prior month.

CHARLESTON's median listing price comes in at 35% of the national average.

CHARLESTON's average listing price for 2024-05-01 was $238,632, a difference of $-4,441 (-1.8%) versus the prior year and $7,266 versus the prior month.

For the 2024-05-01 period, CHARLESTON had 336 MLS listings, a difference of 18 listings (6%) versus the prior month and 52 listings (18%) 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
2018-01-01 100 days 1,800 sqft
2018-02-01 102 days 1,804 sqft
2018-03-01 92 days 1,824 sqft
2018-04-01 77 days 1,846 sqft
2018-05-01 72 days 1,832 sqft
2018-06-01 73 days 1,839 sqft
2018-07-01 79 days 1,851 sqft
2018-08-01 84 days 1,875 sqft
2018-09-01 85 days 1,838 sqft
2018-10-01 87 days 1,868 sqft
2018-11-01 88 days 1,893 sqft
2018-12-01 95 days 1,854 sqft
2019-01-01 102 days 1,861 sqft
2019-02-01 102 days 1,897 sqft
2019-03-01 92 days 1,892 sqft
2019-04-01 80 days 1,871 sqft
2019-05-01 74 days 1,840 sqft
2019-06-01 74 days 1,847 sqft
2019-07-01 77 days 1,853 sqft
2019-08-01 82 days 1,848 sqft
2019-09-01 84 days 1,853 sqft
2019-10-01 86 days 1,856 sqft
2019-11-01 88 days 1,836 sqft
2019-12-01 95 days 1,837 sqft
2020-01-01 102 days 1,836 sqft
2020-02-01 101 days 1,809 sqft
2020-03-01 84 days 1,887 sqft
2020-04-01 81 days 1,915 sqft
2020-05-01 88 days 1,944 sqft
2020-06-01 95 days 1,930 sqft
2020-07-01 79 days 1,904 sqft
2020-08-01 73 days 1,901 sqft
2020-09-01 72 days 1,869 sqft
2020-10-01 75 days 1,863 sqft
2020-11-01 75 days 1,826 sqft
2020-12-01 77 days 1,823 sqft
2021-01-01 80 days 1,805 sqft
2021-02-01 74 days 1,709 sqft
2021-03-01 61 days 1,708 sqft
2021-04-01 61 days 1,681 sqft
2021-05-01 45 days 1,680 sqft
2021-06-01 50 days 1,688 sqft
2021-07-01 53 days 1,734 sqft
2021-08-01 51 days 1,691 sqft
2021-09-01 49 days 1,723 sqft
2021-10-01 47 days 1,684 sqft
2021-11-01 59 days 1,656 sqft
2021-12-01 70 days 1,681 sqft
2022-01-01 73 days 1,653 sqft
2022-02-01 75 days 1,684 sqft
2022-03-01 61 days 1,664 sqft
2022-04-01 52 days 1,650 sqft
2022-05-01 45 days 1,700 sqft
2022-06-01 47 days 1,679 sqft
2022-07-01 48 days 1,706 sqft
2022-08-01 51 days 1,708 sqft
2022-09-01 51 days 1,645 sqft
2022-10-01 45 days 1,642 sqft
2022-11-01 49 days 1,641 sqft
2022-12-01 60 days 1,615 sqft
2023-01-01 74 days 1,637 sqft
2023-02-01 74 days 1,644 sqft
2023-03-01 60 days 1,686 sqft
2023-04-01 50 days 1,751 sqft
2023-05-01 43 days 1,800 sqft
2023-06-01 41 days 1,793 sqft
2023-07-01 44 days 1,879 sqft
2023-08-01 43 days 1,755 sqft
2023-09-01 50 days 1,772 sqft
2023-10-01 52 days 1,716 sqft
2023-11-01 60 days 1,674 sqft
2023-12-01 64 days 1,716 sqft
2024-01-01 66 days 1,716 sqft
2024-02-01 60 days 1,602 sqft
2024-03-01 47 days 1,708 sqft
2024-04-01 45 days 1,607 sqft
2024-05-01 42 days 1,623 sqft
CHARLESTON's median listing age (time on market) for 2024-05-01 was 42 days. This is -3% shorter than the same period one year ago.

CHARLESTON's median square footage for active listings during the 2024-05-01 period was 1,623 sqft. One year prior, the average listing was 1,800 sqft.

CHARLESTON, WV Average Rent (2023)

Zoom/scroll map to see average rent by zip code. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results.

For additional perspective within a market, below is information regarding the average rents (as defined by HUD) for zip codes within the metro area. Descriptive statistics (average, median) are shown below the table.
Zip Code Metro Studio Apartment Rent 1BR Apartment Rent 2BR Apartment Rent 3BR Apartment Rent 4BR Apartment Rent
25003 Charleston, WV HUD Metro FMR Area $640 $720 $880 $1,100 $1,190
25015 Charleston, WV HUD Metro FMR Area $560 $650 $780 $1,020 $1,070
25019 Charleston, WV HUD Metro FMR Area $530 $630 $750 $980 $1,060
25025 Charleston, WV HUD Metro FMR Area $710 $820 $990 $1,300 $1,360
25030 Charleston, WV HUD Metro FMR Area $530 $630 $750 $980 $1,060
25035 Charleston, WV HUD Metro FMR Area $530 $630 $750 $980 $1,060
25036 Charleston, WV HUD Metro FMR Area $590 $680 $850 $1,130 $1,290
25039 Charleston, WV HUD Metro FMR Area $590 $690 $830 $1,090 $1,140
25043 Charleston, WV HUD Metro FMR Area $530 $630 $750 $980 $1,060
25045 Charleston, WV HUD Metro FMR Area $630 $730 $880 $1,160 $1,210
25054 Charleston, WV HUD Metro FMR Area $650 $760 $910 $1,190 $1,250
25059 Charleston, WV HUD Metro FMR Area $550 $630 $800 $1,080 $1,330
25061 Charleston, WV HUD Metro FMR Area $650 $760 $910 $1,190 $1,250
25063 Charleston, WV HUD Metro FMR Area $530 $630 $750 $980 $1,060
25064 Charleston, WV HUD Metro FMR Area $700 $810 $980 $1,290 $1,340
25067 Charleston, WV HUD Metro FMR Area $670 $780 $940 $1,230 $1,290
25071 Charleston, WV HUD Metro FMR Area $640 $740 $890 $1,170 $1,220
25075 Charleston, WV HUD Metro FMR Area $650 $760 $910 $1,190 $1,250
25079 Charleston, WV HUD Metro FMR Area $650 $760 $910 $1,190 $1,250
25083 Charleston, WV HUD Metro FMR Area $600 $690 $860 $1,140 $1,290
25086 Charleston, WV HUD Metro FMR Area $590 $690 $830 $1,090 $1,140
25088 Charleston, WV HUD Metro FMR Area $530 $630 $750 $980 $1,060
25102 Charleston, WV HUD Metro FMR Area $650 $760 $910 $1,190 $1,250
25103 Charleston, WV HUD Metro FMR Area $650 $760 $910 $1,190 $1,250
25107 Charleston, WV HUD Metro FMR Area $650 $740 $890 $1,160 $1,250
25110 Charleston, WV HUD Metro FMR Area $650 $760 $910 $1,190 $1,250
25111 Charleston, WV HUD Metro FMR Area $530 $630 $750 $980 $1,060
25112 Charleston, WV HUD Metro FMR Area $650 $760 $910 $1,190 $1,250
25113 Charleston, WV HUD Metro FMR Area $530 $630 $750 $980 $1,060
25124 Charleston, WV HUD Metro FMR Area $760 $780 $1,000 $1,330 $1,520
25125 Charleston, WV HUD Metro FMR Area $530 $630 $750 $980 $1,060
25126 Charleston, WV HUD Metro FMR Area $650 $760 $910 $1,190 $1,250
25132 Charleston, WV HUD Metro FMR Area $600 $700 $850 $1,110 $1,160
25133 Charleston, WV HUD Metro FMR Area $530 $630 $750 $980 $1,060
25134 Charleston, WV HUD Metro FMR Area $650 $760 $910 $1,190 $1,250
25136 Charleston, WV HUD Metro FMR Area $520 $630 $750 $980 $1,130
25141 Charleston, WV HUD Metro FMR Area $530 $630 $750 $980 $1,060
25143 Charleston, WV HUD Metro FMR Area $710 $790 $970 $1,270 $1,380
25156 Charleston, WV HUD Metro FMR Area $650 $760 $910 $1,190 $1,250
25159 Charleston, WV HUD Metro FMR Area $960 $970 $1,250 $1,660 $1,930
25160 Charleston, WV HUD Metro FMR Area $620 $720 $870 $1,150 $1,200
25162 Charleston, WV HUD Metro FMR Area $550 $640 $770 $1,010 $1,060
25164 Charleston, WV HUD Metro FMR Area $530 $630 $750 $980 $1,060
25177 Charleston, WV HUD Metro FMR Area $640 $740 $890 $1,170 $1,310
25201 Charleston, WV HUD Metro FMR Area $650 $760 $910 $1,190 $1,250
25202 Charleston, WV HUD Metro FMR Area $630 $720 $880 $1,130 $1,190
25211 Charleston, WV HUD Metro FMR Area $530 $630 $750 $980 $1,060
25214 Charleston, WV HUD Metro FMR Area $560 $650 $780 $1,030 $1,110
25235 Charleston, WV HUD Metro FMR Area $540 $630 $760 $1,000 $1,060
25248 Charleston, WV HUD Metro FMR Area $630 $690 $850 $1,120 $1,310
25285 Charleston, WV HUD Metro FMR Area $530 $630 $750 $980 $1,060
25286 Charleston, WV HUD Metro FMR Area $650 $760 $910 $1,190 $1,250
25301 Charleston, WV HUD Metro FMR Area $640 $740 $890 $1,170 $1,220
25302 Charleston, WV HUD Metro FMR Area $620 $710 $860 $1,130 $1,180
25303 Charleston, WV HUD Metro FMR Area $630 $730 $880 $1,160 $1,210
25304 Charleston, WV HUD Metro FMR Area $690 $800 $960 $1,260 $1,320
25305 Charleston, WV HUD Metro FMR Area $650 $760 $910 $1,190 $1,250
25306 Charleston, WV HUD Metro FMR Area $790 $910 $1,100 $1,440 $1,510
25309 Charleston, WV HUD Metro FMR Area $570 $660 $790 $1,040 $1,080
25311 Charleston, WV HUD Metro FMR Area $640 $750 $900 $1,180 $1,230
25312 Charleston, WV HUD Metro FMR Area $690 $800 $960 $1,260 $1,320
25313 Charleston, WV HUD Metro FMR Area $680 $790 $950 $1,250 $1,300
25314 Charleston, WV HUD Metro FMR Area $730 $850 $1,020 $1,340 $1,400
25315 Charleston, WV HUD Metro FMR Area $620 $710 $860 $1,130 $1,180
25320 Charleston, WV HUD Metro FMR Area $590 $680 $820 $1,080 $1,120
25321 Charleston, WV HUD Metro FMR Area $650 $760 $910 $1,190 $1,250
25322 Charleston, WV HUD Metro FMR Area $650 $760 $910 $1,190 $1,250
25323 Charleston, WV HUD Metro FMR Area $650 $760 $910 $1,190 $1,250
25324 Charleston, WV HUD Metro FMR Area $650 $760 $910 $1,190 $1,250
25325 Charleston, WV HUD Metro FMR Area $650 $760 $910 $1,190 $1,250
25326 Charleston, WV HUD Metro FMR Area $650 $760 $910 $1,190 $1,250
25327 Charleston, WV HUD Metro FMR Area $650 $760 $910 $1,190 $1,250
25328 Charleston, WV HUD Metro FMR Area $650 $760 $910 $1,190 $1,250
25329 Charleston, WV HUD Metro FMR Area $650 $760 $910 $1,190 $1,250
25330 Charleston, WV HUD Metro FMR Area $650 $760 $910 $1,190 $1,250
25331 Charleston, WV HUD Metro FMR Area $650 $760 $910 $1,190 $1,250
25332 Charleston, WV HUD Metro FMR Area $650 $760 $910 $1,190 $1,250
25333 Charleston, WV HUD Metro FMR Area $650 $760 $910 $1,190 $1,250
25334 Charleston, WV HUD Metro FMR Area $650 $760 $910 $1,190 $1,250
25335 Charleston, WV HUD Metro FMR Area $650 $760 $910 $1,190 $1,250
25336 Charleston, WV HUD Metro FMR Area $650 $760 $910 $1,190 $1,250
25337 Charleston, WV HUD Metro FMR Area $650 $760 $910 $1,190 $1,250
25338 Charleston, WV HUD Metro FMR Area $650 $760 $910 $1,190 $1,250
25339 Charleston, WV HUD Metro FMR Area $650 $760 $910 $1,190 $1,250
25361 Charleston, WV HUD Metro FMR Area $650 $760 $910 $1,190 $1,250
25362 Charleston, WV HUD Metro FMR Area $650 $760 $910 $1,190 $1,250
25364 Charleston, WV HUD Metro FMR Area $650 $760 $910 $1,190 $1,250
25387 Charleston, WV HUD Metro FMR Area $650 $760 $910 $1,190 $1,250
25389 Charleston, WV HUD Metro FMR Area $650 $760 $910 $1,190 $1,250
26617 Charleston, WV HUD Metro FMR Area $530 $630 $750 $980 $1,060

2022 Average & Median Rent Data Statistics
CHARLESTON, WV average 1BR rent: $728, median: $760
CHARLESTON, WV average 2BR rent: $876, median: $910
CHARLESTON, WV average 3BR rent: $1,148, median: $1,190

CHARLESTON, WV Market Loan Reason

Loan Purpose Originations Total Value Average Loan
Home Purchase 2,048 $342,200,000 $167,090
Cash Out Refi 371 $41,235,000 $111,146
Refi 309 $36,875,000 $119,337
Home Improvement 281 $16,445,000 $58,523
Other 274 $22,090,000 $80,620

Charleston's most frequently cited loan purpose was Home Purchase, with 2,048 originations. The 2nd most popular reason was Cash Out Refi, with 371 originations.

Interest Rate Frequencies

Loan Rate Originations Total Value Average Loan
6-7% 1,027 $164,315,000 $159,995
7-8% 660 $106,020,000 $160,636
5-6% 527 $80,715,000 $153,159
Over 8% 403 $37,965,000 $94,206
<2.5% 94 $5,470,000 $58,191
2.5-3% 64 $4,550,000 $71,094
4-5% 41 $5,485,000 $133,780
3-4% 23 $1,535,000 $66,739

During 2023, Charleston's most frequently originated rate bucket was 6-7%, with 1,027 originations.

Loan Sizing (CHARLESTON, WV MSA)

Loan Size Originations Total Value Average Loan
$100,000 or less 1,396 $77,860,000 $55,774
$100k-200k 1,248 $176,900,000 $141,747
$200k-400k 533 $141,385,000 $265,263
$400k-600k 73 $34,295,000 $469,795
$600k-1000k 26 $18,460,000 $710,000
$Over $1MM 7 $9,945,000 $1,420,714

CHARLESTON's loan sizing saw the bucket of loans from $100,000 or less with 1,396 originations, totaling $77,860,000 in origination value.

LTV Distribution

Loan to Value Originations Total Value Average Loan
80-100% 1,475 $262,555,000 $178,003
60-80% 455 $70,405,000 $154,736
20-40% 325 $23,555,000 $72,477
40-60% 268 $30,680,000 $114,478
Under 20% 267 $8,035,000 $30,094
Over 100% 42 $7,780,000 $185,238

CHARLESTON's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 1,475 originations, totaling $262,555,000 in origination value.