State guide · WV
Closing costs in West Virginia
On a median-priced West Virginia home ($170,000), buyers typically bring $3,400–$8,500 to the closing table beyond the down payment — with West Virginia's transfer tax and its attorney closing convention shaping where you land in that range.
Typical buyer costs
$3,400–$8,500
Transfer tax
0.33%
Closing style
attorney
What's inside the number: lender fees and any points (the part you can shop hardest), prepaid property taxes and homeowners insurance, title search and title insurance, attorney fees, recording fees, and the transfer tax. West Virginia runs attorney closings: attorney state: a licensed attorney conducts the closing.
West Virginia's transfer tax alone is roughly $561 on a median home — customarily paid by seller. Details and local add-ons are on our West Virginia transfer tax page.
The most effective ways to shrink the bill: shop three or more lenders and compare Section A of their Loan Estimates (see how to choose a lender), ask the seller for a closing credit as part of your offer, and shop the title agency where your state allows it. Line-item what to expect with the closing cost estimator.
Common questions
How much are closing costs in West Virginia?
Buyers typically pay 2-5% of the purchase price — about $3,400 to $8,500 on a median-priced West Virginia home ($170,000). The biggest swings come from lender fees and points, prepaid taxes and insurance, the transfer tax, and title costs.
Do I need an attorney to close on a home in West Virginia?
Yes — West Virginia is an attorney-closing state. Attorney state: a licensed attorney conducts the closing. Budget attorney fees (commonly several hundred to a couple thousand dollars) as part of your closing costs.
Who pays the transfer tax in West Virginia?
Seller. State excise of $1.10 per $500 plus county $0.55-1.10 per $500 — roughly 0.33-0.44% combined. Custom controls the default, but the purchase contract can move it — it's a negotiable line like everything else at the table.
Estimate your West Virginia closing costs
A line-item estimate — lender fees, title and escrow, prepaids — so the number on closing day doesn't surprise you.
Open the closing cost estimatorRanges apply the typical national 2–5% of purchase price to West Virginia's approximate median home value — a planning estimate, not a quote. Lender fees depend on your loan; your official Loan Estimate and Closing Disclosure are the real numbers.