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City · 15,549 residents · Harrison County, West Virginia

Clarksburg , West Virginia

In Clarksburg, a typical home is worth $129,900 and typical rent is $790 a month. Compared with all of Harrison County, the typical home value is 22% lower, typical household income is 22% lower, and the share of households that own their home is 13 points lower.

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  • Typical home value

    $129,900

    22% below the county

    20% below West Virginia

    • Clarksburg
    • Harrison
    • West Virginia

  • Typical rent

    $790a month

    10% below the county

    9% below West Virginia

    • Clarksburg
    • Harrison
    • West Virginia

  • Typical household income

    $47,386a year

    22% below the county

    21% below West Virginia

    • Clarksburg
    • Harrison
    • West Virginia

  • Households that own their home

    61%

    13 points below the county

    14 points below West Virginia

    • Clarksburg
    • Harrison
    • West Virginia

Source: U.S. Census Bureau, Average 2020–2024

Market now, with Zillow data

Zillow data
Typical home value
$116,886
2.4% less than 12 months ago
Typical rent
$969 a month

From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).

Clarksburg is in Harrison County. The FHA loan limit ($541,287 for a one-unit home), the fair market rents and the help on this page are those of all of Harrison County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Clarksburg apart

What this place has that others do not, from public data, most unusual first.

  1. According to Zillow, in the 12 months to September 2026 the typical home value in Clarksburg fell 2.4%; in West Virginia, it rose 2.6%.

  2. 61% of households in Clarksburg own their home, against 74% in Harrison County.

  3. The typical home in Clarksburg is worth $129,900, 22% less than in Harrison County as a whole ($166,200).

  4. The typical household income in Clarksburg is $47,386, 22% less than in Harrison County as a whole ($60,377).

Sources: Zillow (September 2026 data); U.S. Census Bureau (Average 2020–2024). Zillow data

The homes here

Housing in Clarksburg

What homes there are in Clarksburg, what they cost, how that changed and how people live, from Census figures (2020–2024).

What homes there are

U.S. Census Bureau, ACS 5-year, 2020–2024

Kind of home

The detached house is still the most common home in Clarksburg, but it weighs less than in Harrison County: 70% against 75%.

Year built

The typical home in Clarksburg was built in 1948, 17 years before the typical one in Harrison County.

Homes in Clarksburg are smaller: 45% have 3 bedrooms or more; in Harrison County, 60%.

All homes, occupied or empty. A figure the Census cannot measure precisely enough here is not shown.

Census tables: B25024, B25034, B25035, B25041

What it costs here

U.S. Census Bureau, ACS 5-year, 2020–2024

Value of owner-occupied homes

At least 98% of owner-occupied homes in Clarksburg are worth less than $500,000, below the FHA loan limit for Harrison County ($541,287).

Monthly rent with utilities

By rent, most homes in Clarksburg cost less than HUD's 2-bedroom fair market rent ($1,005): about 76%.

With a mortgage

$1,007 a month

Harrison County: $1,244 a month

Without a mortgage

$389 a month

Harrison County: $390 a month

Owners with a mortgage

51%

Harrison County: 47%

The typical cost for an owner with a mortgage in Clarksburg is $1,007 a month, less than in Harrison County ($1,244); without one, $389.

Value: what owners think their home is worth. Rent: rent plus utilities, for homes of every size. The FHA limit is the most an FHA loan (Federal Housing Administration) lends for a one-unit home; the fair market rent (FMR) is the one HUD uses for housing vouchers.

Census tables: B25075, B25063, B25088, B25081

How it changed

U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024

Change since 2015–2019

Since 2015–2019, homes in Clarksburg gained value faster than in Harrison County: 51% against 41%.

The typical rent in Clarksburg stayed about the same over that time: the difference is within the Census margin of error.

Change between two 5-year periods that do not overlap, in each period's dollars, not adjusted for inflation.

Census tables: B25077, B25064, B19013

How people live

U.S. Census Bureau, ACS 5-year, 2020–2024

MeasureClarksburgHarrison CountyWest VirginiaUnited States
Rental vacancy 18.6%14.9%6.7%5.5%
Homeowner vacancy Unreliable estimate1.8%1.2%0.9%
More than one person per room Unreliable estimate2.1%1.3%3.4%
People per household 2.282.432.372.53
Drive alone 68%79%78%69%
Carpool 11%7%9%9%
Public transit Unreliable estimateUnreliable estimate1%3%
Walk or bike 11%5%3%3%
Work from home 8%8%9%15%
Other means Unreliable estimateUnreliable estimate1%2%
Typical commute 10 to 19 minutesUnreliable estimate20 to 29 minutes20 to 29 minutes

The rental vacancy rate in Clarksburg is 18.6%, higher than in Harrison County (14.9%).

On average, a household in Clarksburg has 2.28 people, fewer than in Harrison County (2.43).

Many here get to work on foot or by bike: 11%, more than in Harrison County (5%).

Vacancy: empty homes offered for rent or for sale. Rooms: every room in the home, not only bedrooms. Commute: the minute range of the typical worker.

Census tables: B25004, B25003, B25014, B25010, B08301, B08303

Do the math

What would you pay each month for a home in Clarksburg?

A typical home is within reach of the typical income

We start with a typical home in Clarksburg, worth $129,900, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 26% of the typical household income in Clarksburg, which is $47,386 a year.

The calculator's FHA and conventional loan limits are those of all of Harrison County.

Your numbers

Local data
$

Starts at the typical home value in Clarksburg. Change it to the price you have in mind.

Loan type
Your credit score

Your score changes which loans apply and FHA's minimum down payment. Your real rate also depends on your credit.

Down payment
%

That is $4,547 (3.5% of the price). The usual minimum for this loan is 3.5%.

This week's average ± a quarter or half point.

Term

National average as of November 5, 2026 (Freddie Mac); your rate may be different.

Adjust advanced details

Estimated monthly payment

Local data

$1,041

at 7.18% · 30 years

Loan amount
$127,547
Total interest
$183,510
Paid off in
November 2056

Includes $2,194 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,106 a month

    Your payment · 26%

  • Tight

    $1,106 to $1,422 a month

  • Hard

    more than $1,422 a month

Compared with the typical household income in Clarksburg ($47,386 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$1,041
Principal & interest$864
Property tax$65
Home insurance$54
FHA mortgage insurance (MIP)$57

You need at least $4,547 for the down payment, plus closing costs.

Next step

This is an estimate to give you an idea, not a loan offer. Your real payment depends on your rate, your credit, and the insurance and taxes on the home you buy.

The city and its county

Clarksburg and Harrison County

Clarksburg is in Harrison County, West Virginia. The U.S. Census Bureau publishes its own numbers for the city: home values, rent, household income, how many households own their home and the property tax. They are American Community Survey estimates (average 2020–2024).

Clarksburg's own numbers

Typical home value
$129,900
Typical monthly rent
$790
Typical yearly household income
$47,386
Households that own their home
61%
Effective property tax rate
0.6%

U.S. Census Bureau, American Community Survey (average 2020–2024).

Numbers for all of Harrison County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,005
Price change over 5 years (FHFA)
+30%
Homes in a high flood-risk zone
4.3%

HUD, FHFA and FEMA don't publish these numbers by city.

Other numbers are not published by city, only for the whole county: FHA and conventional loan limits, HUD’s fair market rents, FHFA’s price index and FEMA’s flood data. On this page, those numbers always say they are for all of Harrison County.

Everything about Harrison County

Buying

Buying a home in Clarksburg

A typical home in Clarksburg is worth $129,900: 22% below the county and 20% below West Virginia. With the typical household income in Clarksburg ($47,386 a year), a typical home costs 2.7 times what the household earns in a year.

Years of income to pay for a typical home

The typical home value divided by the typical household income for one year. The lower it is, the less buying weighs.

  • Clarksburg 2.7 years
  • Harrison 2.8 years
  • West Virginia 2.7 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Harrison County

According to FHFA’s house price index, home prices in Harrison County rose 46% in the 10 years through 2025.

FHFA does not publish this index by city: these are the numbers for all of Harrison County.

Period County West Virginia U.S.
Last year (2025) +1.7% +4.1% +2.9%
5 years (2020–2025) +30% +40% +47%
10 years (2015–2025) +46% +54% +85%

The index follows the price of the same homes over time (sales and appraisals with Fannie Mae and Freddie Mac loans). It is not the average price of a home. FHFA considers its annual county indexes experimental. Source: FHFA, 2025 data

Clarksburg next to Harrison County, West Virginia and the U.S.

Three numbers side by side. “Typical” means the median: half are above it and half below.

Typical home value
  • Clarksburg $129,900
  • Harrison $166,200
  • West Virginia $162,600
  • United States $332,700
Typical monthly rent
  • Clarksburg $790
  • Harrison $879
  • West Virginia $872
  • United States $1,413
Typical yearly household income
  • Clarksburg $47,386
  • Harrison $60,377
  • West Virginia $59,608
  • United States $80,734
See the full table
Clarksburg next to Harrison County and West Virginia
Measure Clarksburg Harrison County West Virginia U.S.
Typical home value $129,900 $166,200 $162,600 $332,700
Typical monthly rent $790 $879 $872 $1,413
Typical yearly household income $47,386 $60,377 $59,608 $80,734
Households that own their home 61% 74% 75% 65%
Typical yearly property tax $783 $908 $865 $3,119
Effective property tax rate 0.6% 0.55% 0.53% 0.94%
Renters with high rent for their income 54% 50% 49% 51%

“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Harrison County. “High rent” is the Census measure: renter households that pay 30% or more of their income in rent.

Four ways to pay for a typical home in Clarksburg

For a typical $129,900 home in Clarksburg, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Clarksburg's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $1,041a month

    Least cash to close
    Down payment
    $4,547
    Cash to close
    $8,444
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $57

  • Conventional, 5% down $1,017a month

    Down payment
    $6,495
    Cash to close
    $10,392
    Rate
    7.18%
    Mortgage insurance
    PMI · $62

  • Conventional, 20% down, no PMI $823a month

    Down payment
    $25,980
    Cash to close
    $29,877
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $943a month

    Down payment
    $19,485
    Cash to close
    $23,382
    Rate
    8.18%
    Mortgage insurance
    None

The option that asks for the least cash to close is FHA, 3.5% down.

  • Cash to close = down payment plus 3% of the price in closing costs (example).
  • Minimum score: FHA requires 580 or higher for the minimum down payment (HUD Handbook 4000.1). * Fannie Mae requires 620 when a loan is underwritten by hand; its automated system has no fixed minimum.
  • The ITIN row is an example with a rate 1 percentage point higher: ITIN loans follow no federal rule and each lender sets its own down payment and rate. Nothing in this table promises an approval.

How much house can I afford? Estimate closing costs

Taxes and floods

Two costs that change from place to place

Property tax and flood insurance raise or lower what you pay each month. Here are the numbers for Clarksburg and for Harrison County.

Property tax

Effective rate in Clarksburg

0.6%of the home’s value each year

$783 a year for the typical owner in Clarksburg.

  • Clarksburg 0.6%
  • Harrison 0.55%
  • West Virginia 0.53%

What West Virginia publishes $20,000 homestead exemption for owners 65 or older or disabled (West Virginia Legislature (West Virginia Code))

Exemptions and deadlines in West Virginia

Flood risk in Harrison County

FEMA does not publish these numbers by city: they are for all of Harrison County.

Homes in the high-risk zone
4.3%
1,277
Of those, with NFIP insurance
9.9%
County West Virginia U.S.
Homes in the high-risk zone 4.3% 8.1% 3.5%
Of those, with NFIP insurance 9.9% 10% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Clarksburg

Typical rent in Clarksburg is $790 a month: 10% below the county. In Clarksburg, 54% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Harrison County, by unit size. To pay the 2-bedroom one ($1,005 a month) without spending more than 30% of your income, you would need to earn $19.33 an hour working full time.

HUD fair market rent for all of Harrison County

What you need to earn to pay it without spending more than 30% of income, working full time.

Size Fair rent a month Hourly wage Yearly income
Studio $770 $14.81 $30,800
1 bedroom $889 $17.10 $35,560
2 bedrooms $1,005 $19.33 $40,200
3 bedrooms $1,323 $25.44 $52,920
4 bedrooms $1,537 $29.56 $61,480

Includes basic utilities. It isn't the lowest or highest rent: it's a reference point. Source: HUD, Fiscal year 2027

By ZIP code

Fair market rent by ZIP code in Clarksburg

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Clarksburg has 2 ZIP codes with their own.

For 2 bedrooms it runs from $940 in 26301 to $1,210 in 26330.

1 of the 2 is above the fair market rent for Harrison County ($1,005).

  • 26301 $940$1,250
  • 26330 $1,210$1,580

2 of these ZIP codes cross the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Clarksburg when at least 50% of its land is inside the city or it covers at least 15% of the city (Census 2020 boundaries). Source: Small Area Fair Market Rents (HUD) Fiscal year 2027 Small Area Fair Market Rents (HUD) Source: Census Bureau ZCTA-to-place relationship file Data from 2020 data Census Bureau ZCTA-to-place relationship file

Is your rent high for your ZIP?

Low-income apartments

Low-income apartments in Clarksburg

HUD lists 8 buildings with rents for lower incomes in Clarksburg. These are the largest.

  • Mason House 916 W Pike St, Clarksburg 26301 323 low-income homes · Run by Clarksburg/Harrison Housing Authority · Average payment: $369 a month · Average wait: 2 months (304) 623-3322
  • Oakmound Apartments 1100 Oakmound Dr, Clarksburg 26301 160 homes, 159 low-income · For older adults (304) 623-9333
  • Clarksburg Towers 620 W Pike St, Clarksburg 26301 90 low-income homes · For older adults (304) 623-0003
  • Maple View Apts 1 Maple View Dr, Clarksburg 26301 44 low-income homes · 2 bd: 32 · 3 bd: 12 · In service since 1998
  • The Palace on Main 168 W Main St, Clarksburg 26301 40 low-income homes · 1 bd: 27 · 2 bd: 7 · 3 bd: 6 · In service since 2018 · For older adults

See all 20 buildings in Harrison County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Clarksburg

You do not have to do this alone. A HUD-approved housing counseling agency helps for free or at low cost: getting ready to buy, understanding your credit, or solving a problem with your rent.

We found no HUD-approved agencies with an office in Harrison County. The nearest ones are below; many serve by phone or online.

A man leans over the armchair to help a teenage girl with her book.

HUD counseling is free or low-cost

Assistance programs in Clarksburg

No down payment, repair or rent-help program on our list is for Clarksburg or Harrison County. The ones below are statewide in West Virginia: they work in Clarksburg the same as in the rest of the state.

Which programs do I qualify for? All programs in West Virginia

  • Low Down Home Loan

    Statewide in West Virginia

    West Virginia state fund loan of up to $12,000 for the down payment and closing costs, over 15 years at 2% interest, only with the Homeownership Program mortgage. Offered by West Virginia Housing Development Fund (WVHDF).

    Repayable

    See the program Official page

Housing counselors near Clarksburg

The HUD-approved agencies closest to the center of Clarksburg, in a straight line, nearest first. If one says it serves in Spanish, its card says so.

  • The Fairmont-Morgantown Housing Authority

    103 12th St, Fairmont · 18 miles away

    • Mortgage delinquency and default
    • Home improvement and repairs
    • and 5 more
    (304) 363-0860

  • Homeownership Center, Inc.

    2276 Randolph Ave, Elkins · 34 miles away

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 7 more
    (304) 636-9115

  • CCCS of the Mid-Ohio Valley, Inc.

    2435 Dudley Avenue, Parkersburg · 63 miles away

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 7 more
    (304) 485-3141

All counseling agencies in West Virginia

Help in Spanish near Clarksburg

None of the 3 agencies on this list say they serve in Spanish.

Ask for service in Spanish

When you call, say “Spanish, please” or ask if someone speaks Spanish. If not, ask whether they offer an interpreter.

Housing authorities of Clarksburg

HUD’s record names them for Clarksburg or Harrison County. They run public housing or Section 8 vouchers. Ask whether their waiting list is open.

  • Clarksburg/Harrison Housing Authority Public housing and Section 8 vouchers (304) 623-3322

All housing agencies in West Virginia Source: HUD

Cities

Other cities in Harrison County

These cities are also in Harrison County. They share its loan limits and fair market rents, but home values and rent change from one to the next.

Everything about Harrison County Housing in West Virginia

Nearby cities

The cities closest to Clarksburg, with the typical home value.

Neighboring counties

If Harrison County is out of reach, look next door. Each number is that county's own.

Keep going

Guides for your next step

Short explanations, in plain language and with official sources, for buying or renting in Clarksburg.

All guides
A father, a mother and their daughter smile among the avocado trees by their home in Somis, California.

Questions

Housing questions about Clarksburg

Short answers with the numbers for Clarksburg and all of Harrison County. If your case is different, a HUD-approved counseling agency can guide you for free or at low cost.

How much does a typical home cost in Clarksburg?

The typical home value in Clarksburg is $129,900, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Harrison County it is $166,200.

How much does it cost to rent in Clarksburg?

Typical rent in Clarksburg is $790 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Harrison County is $1,005.

What is the FHA loan limit in Clarksburg?

Clarksburg uses the FHA limit for all of Harrison County (2026): $541,287 for a one-unit home and $1,041,125 for a four-unit home.

How much property tax do owners pay in Clarksburg?

The typical homeowner in Clarksburg pays $783 a year, according to the U.S. Census Bureau. That is 0.6% of the home’s value; in Harrison County, the rate is 0.55%.

Where can I find free help to buy or rent in Clarksburg?

We found no HUD-approved counseling agencies with an office in Harrison County; the nearest ones are on this page. They can help you get ready to buy, with your credit, or with rent.

Sources: American Community Survey (ACS) 5-year estimates (Average 2020–2024); FHA mortgage limits (HUD) (2026 data); Conforming loan limits (FHFA) (2026 data); Fair Market Rents (HUD) (Fiscal year 2027); Small Area Fair Market Rents (HUD) (Fiscal year 2027); Census Bureau ZCTA-to-place relationship file (2020 data); HUD-approved housing counseling agencies (Retrieved November 6, 2026); Public Housing Agencies (HUD) (Retrieved November 6, 2026); Freddie Mac Primary Mortgage Market Survey (PMMS) (As of November 5, 2026); FHFA House Price Index (HPI) (2025 data); Homes with flood insurance (NFIP, FEMA) (As of August 3, 2026).