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City · 6,855 residents · Putnam County, West Virginia

Hurricane , West Virginia

In Hurricane, a typical home is worth $210,500 and typical rent is $878 a month. Compared with all of Putnam County, typical household income is 11% lower, typical rent is 8% lower, and the share of households that own their home is 14 points lower.

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  • Typical home value

    $210,500

    6% below the county

    29% above West Virginia

    • Hurricane
    • Putnam
    • West Virginia

  • Typical rent

    $878a month

    8% below the county

    About the same as West Virginia

    • Hurricane
    • Putnam
    • West Virginia

  • Typical household income

    $71,167a year

    11% below the county

    19% above West Virginia

    • Hurricane
    • Putnam
    • West Virginia

  • Households that own their home

    67%

    14 points below the county

    8 points below West Virginia

    • Hurricane
    • Putnam
    • West Virginia

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

Market now, with Zillow data

Zillow data
Typical home value
$278,733
5.4% more than 12 months ago

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

Hurricane is in Putnam 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 Putnam County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Hurricane apart

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

  1. Nearby, in Dunbar, the typical home value is $119,600: 43% less than in Hurricane ($210,500).

  2. 67% of households in Hurricane own their home, against 82% in Putnam County.

  3. Hurricane has the 3rd smallest share of rent-burdened renters of the 30 cities in West Virginia with more than 5,000 people (30%).

Sources: U.S. Census Bureau (Average 2020–2024).

The homes here

Housing in Hurricane

What homes there are in Hurricane, 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

In Hurricane, 8 in 10 homes are single-family detached houses, about the same as in Putnam County.

Year built

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
Monthly rent with utilities

With a mortgage

$1,440 a month

Putnam County: $1,528 a month

Without a mortgage

$511 a month

Putnam County: $481 a month

Owners with a mortgage

56%

Putnam County: 52%

The typical cost for an owner with a mortgage in Hurricane is $1,440 a month, less than in Putnam County ($1,528); without one, $511.

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

From 2015–2019 to 2020–2024, the typical home value in Hurricane rose 39%; in Putnam County, it rose 34%.

Much as in Putnam County, the typical rent in Hurricane rose 15% since 2015–2019.

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

MeasureHurricanePutnam CountyWest VirginiaUnited States
Rental vacancy Unreliable estimateUnreliable estimate6.7%5.5%
Homeowner vacancy Unreliable estimateUnreliable estimate1.2%0.9%
More than one person per room Unreliable estimateUnreliable estimate1.3%3.4%
People per household 2.352.452.372.53
Drive alone 84%80%78%69%
Carpool Unreliable estimate8%9%9%
Public transit Unreliable estimateUnreliable estimate1%3%
Walk or bike Unreliable estimateUnreliable estimate3%3%
Work from home Unreliable estimate11%9%15%
Other means Unreliable estimateUnreliable estimate1%2%
Typical commute Unreliable estimate20 to 29 minutes20 to 29 minutes20 to 29 minutes

By size, households in Hurricane look like those in Putnam County: 2.35 people on average.

To get to work, 84% of workers in Hurricane drive alone; in Putnam County, 80%.

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 Hurricane?

A typical home is tight for the typical income

We start with a typical home in Hurricane, worth $210,500, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 29% of the typical household income in Hurricane, which is $71,167 a year. For that payment to be 28% of income, a household would need to earn about $73,094 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Hurricane. 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 $7,368 (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

$1,706

at 7.18% · 30 years

Loan amount
$206,687
Total interest
$297,374
Paid off in
November 2056

Includes $3,555 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,661 a month

  • Tight

    $1,661 to $2,135 a month

    Your payment · 29%

  • Hard

    more than $2,135 a month

Compared with the typical household income in Hurricane ($71,167 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$1,706
Principal & interest$1,400
Property tax$125
Home insurance$88
FHA mortgage insurance (MIP)$93

You need at least $7,368 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

Hurricane and Putnam County

Hurricane is in Putnam 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).

Hurricane's own numbers

Typical home value
$210,500
Typical monthly rent
$878
Typical yearly household income
$71,167
Households that own their home
67%
Effective property tax rate
0.71%

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

Numbers for all of Putnam County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,091
Price change over 5 years (FHFA)
+43%
Homes in a high flood-risk zone
7.6%

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 Putnam County.

Everything about Putnam County

Buying

Buying a home in Hurricane

A typical home in Hurricane is worth $210,500: 6% below the county and 29% above West Virginia. With the typical household income in Hurricane ($71,167 a year), a typical home costs 3.0 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.

  • Hurricane 3.0 years
  • Putnam 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 Putnam County

According to FHFA’s house price index, home prices in Putnam County rose 57% in the 10 years through 2025.

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

Period County West Virginia U.S.
Last year (2025) +4.7% +4.1% +2.9%
5 years (2020–2025) +43% +40% +47%
10 years (2015–2025) +57% +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

Hurricane next to Putnam 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
  • Hurricane $210,500
  • Putnam $223,300
  • West Virginia $162,600
  • United States $332,700
Typical monthly rent
  • Hurricane $878
  • Putnam $952
  • West Virginia $872
  • United States $1,413
Typical yearly household income
  • Hurricane $71,167
  • Putnam $79,527
  • West Virginia $59,608
  • United States $80,734
See the full table
Hurricane next to Putnam County and West Virginia
Measure Hurricane Putnam County West Virginia U.S.
Typical home value $210,500 $223,300 $162,600 $332,700
Typical monthly rent $878 $952 $872 $1,413
Typical yearly household income $71,167 $79,527 $59,608 $80,734
Households that own their home 67% 82% 75% 65%
Typical yearly property tax $1,486 $1,311 $865 $3,119
Effective property tax rate 0.71% 0.59% 0.53% 0.94%
Renters with high rent for their income 30% 44% 49% 51%

“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Putnam 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 Hurricane

For a typical $210,500 home in Hurricane, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Hurricane's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $1,706a month

    Least cash to close
    Down payment
    $7,368
    Cash to close
    $13,683
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $93

  • Conventional, 5% down $1,667a month

    Down payment
    $10,525
    Cash to close
    $16,840
    Rate
    7.18%
    Mortgage insurance
    PMI · $100

  • Conventional, 20% down, no PMI $1,353a month

    Down payment
    $42,100
    Cash to close
    $48,415
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $1,548a month

    Down payment
    $31,575
    Cash to close
    $37,890
    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 Hurricane and for Putnam County.

Property tax

Effective rate in Hurricane

0.71%of the home’s value each year

$1,486 a year for the typical owner in Hurricane.

  • Hurricane 0.71%
  • Putnam 0.59%
  • 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 Putnam County

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

Homes in the high-risk zone
7.6%
1,492
Of those, with NFIP insurance
12%
County West Virginia U.S.
Homes in the high-risk zone 7.6% 8.1% 3.5%
Of those, with NFIP insurance 12% 10% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Hurricane

Typical rent in Hurricane is $878 a month: 8% below the county. In Hurricane, 30% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Putnam County, by unit size. To pay the 2-bedroom one ($1,091 a month) without spending more than 30% of your income, you would need to earn $20.98 an hour working full time.

HUD fair market rent for all of Putnam 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 $829 $15.94 $33,160
1 bedroom $834 $16.04 $33,360
2 bedrooms $1,091 $20.98 $43,640
3 bedrooms $1,500 $28.85 $60,000
4 bedrooms $1,542 $29.65 $61,680

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 Hurricane

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Hurricane is in ZIP code 25526.

For 2 bedrooms it is $1,000: $91 less than the fair market rent for Putnam County ($1,091).

  • 25526 $1,000$1,380

1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Hurricane 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 Hurricane

HUD lists 5 buildings with rents for lower incomes in Hurricane. These are the largest.

  • Sable Point Phase I 145 Sable Point Dr, Hurricane 25526 80 low-income homes · 3 bd: 80 · In service since 1998
  • Sable Point Phase II 145 Sable Point Dr, Hurricane 25526 64 low-income homes · 2 bd: 32 · 3 bd: 32 · In service since 1999
  • Willow Tree II 166 Willow Tree Way, Hurricane 25526 48 low-income homes · 1 bd: 24 · 2 bd: 24 · In service since 2013 · For older adults
  • Maury Village 101 Maury Ln, Hurricane 25526 44 low-income homes · 1 bd: 16 · 2 bd: 23 · 3 bd: 4 · 4 bd: 1 · In service since 2001
  • Willow Tree Village 140 Willow Tree Way, Hurricane 25526 47 homes

See all 12 buildings in Putnam County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Hurricane

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 Putnam County. The nearest ones are below; many serve by phone or online.

A man shakes hands with the specialist who helped him with his loan, in the kitchen of his new home.

HUD counseling is free or low-cost

Assistance programs in Hurricane

No down payment, repair or rent-help program on our list is for Hurricane or Putnam County. The ones below are statewide in West Virginia: they work in Hurricane 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 Hurricane

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

  • Religious Coalition for Community Renewal

    1117 Quarrier St, Charleston · 22 miles away

    • Pre-purchase counseling
    • Homebuyer education workshops
    (304) 346-6398

  • Housing Authority of Mingo County

    5026 Helena Avenue, Delbarton · 50 miles away · Spanish

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 5 more
    (304) 475-4663

  • Southern Appalachian Labor School Foundation, Inc.

    140 School Street, Oak Hill · 57 miles away · Spanish

    • Budget and financial counseling
    • Home improvement and repairs
    • and 3 more
    (304) 250-7627

All counseling agencies in West Virginia

Help in Spanish near Hurricane

2 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 Hurricane

HUD lists no housing authority with an office in Putnam County. One in a neighboring county or the state’s may serve the area.

All housing agencies in West Virginia Source: HUD

Cities

Other cities in Putnam County

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

Everything about Putnam County Housing in West Virginia

Nearby cities

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

Neighboring counties

If Putnam 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 Hurricane.

All guides
A mother holds her laughing daughter on a grey sofa.

Questions

Housing questions about Hurricane

Short answers with the numbers for Hurricane and all of Putnam 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 Hurricane?

The typical home value in Hurricane is $210,500, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Putnam County it is $223,300.

How much does it cost to rent in Hurricane?

Typical rent in Hurricane is $878 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Putnam County is $1,091.

What is the FHA loan limit in Hurricane?

Hurricane uses the FHA limit for all of Putnam 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 Hurricane?

The typical homeowner in Hurricane pays $1,486 a year, according to the U.S. Census Bureau. That is 0.71% of the home’s value; in Putnam County, the rate is 0.59%.

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

We found no HUD-approved counseling agencies with an office in Putnam 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).