Español

Este sitio también está en español. Leer en español

City · 6,853 residents · Kanawha County, West Virginia

Nitro , West Virginia

In Nitro, a typical home is worth $128,900 and typical rent is $949 a month. Compared with all of Kanawha County, the typical home value is 12% lower and typical household income is 12% lower.

WhatsApp

  • Typical home value

    $128,900

    12% below the county

    21% below West Virginia

    • Nitro
    • Kanawha
    • West Virginia

  • Typical rent

    $949a month

    5% above the county

    9% above West Virginia

    • Nitro
    • Kanawha
    • West Virginia

  • Typical household income

    $53,848a year

    12% below the county

    10% below West Virginia

    • Nitro
    • Kanawha
    • West Virginia

  • Households that own their home

    75%

    3 points above the county

    About the same as West Virginia

    • Nitro
    • Kanawha
    • West Virginia

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

Market now, with Zillow data

Zillow data
Typical home value
$143,074
2% less than 12 months ago

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

Nitro is in Kanawha 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 Kanawha County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Nitro 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 Nitro fell 2%; in West Virginia, it rose 2.6%.

  2. 14% of households in Nitro have no internet at home (8% in Kanawha County).

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

The homes here

Housing in Nitro

What homes there are in Nitro, 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

Detached houses, standing on their own, make up 84% of homes here, against 70% in Kanawha County.

Year built

In Nitro, half of the homes were built before 1957; in Kanawha County, before 1966.

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

$1,028 a month

Kanawha County: $1,216 a month

Without a mortgage

$463 a month

Kanawha County: $447 a month

Owners with a mortgage

50%

Kanawha County: 48%

In Nitro, 50% of owners have a mortgage, and their typical cost is $1,028 a month, against $1,216 in Kanawha County. Without one it drops to $463.

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

The typical home value in Nitro rose 32% since 2015–2019, about the same as in Kanawha County (31%).

The typical rent in Nitro 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

MeasureNitroKanawha CountyWest VirginiaUnited States
Rental vacancy Unreliable estimate9.1%6.7%5.5%
Homeowner vacancy Unreliable estimate1.7%1.2%0.9%
More than one person per room Unreliable estimate0.9%1.3%3.4%
People per household 2.422.272.372.53
Drive alone 83%77%78%69%
Carpool Unreliable estimate8%9%9%
Public transit Unreliable estimate1%1%3%
Walk or bike Unreliable estimate3%3%3%
Work from home Unreliable estimate10%9%15%
Other means Unreliable estimate1%1%2%
Typical commute 20 to 29 minutesUnreliable estimate20 to 29 minutes20 to 29 minutes

Households in Nitro are bigger: 2.42 people on average; in Kanawha County, 2.27.

In Nitro, 83% of workers drive alone to work; in Kanawha County, 77%.

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 Nitro?

A typical home is within reach of the typical income

We start with a typical home in Nitro, worth $128,900, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 23% of the typical household income in Nitro, which is $53,848 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Nitro. 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 $4,512 (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

$1,044

at 7.18% · 30 years

Loan amount
$126,565
Total interest
$182,097
Paid off in
November 2056

Includes $2,177 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,256 a month

    Your payment · 23%

  • Tight

    $1,256 to $1,615 a month

  • Hard

    more than $1,615 a month

Compared with the typical household income in Nitro ($53,848 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$1,044
Principal & interest$857
Property tax$76
Home insurance$54
FHA mortgage insurance (MIP)$57

You need at least $4,512 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

Nitro and Kanawha County

Nitro is in Kanawha 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).

Nitro's own numbers

Typical home value
$128,900
Typical monthly rent
$949
Typical yearly household income
$53,848
Households that own their home
75%
Effective property tax rate
0.71%

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

Numbers for all of Kanawha County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,048
Price change over 5 years (FHFA)
+34%
Homes in a high flood-risk zone
13%

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 Kanawha County.

Everything about Kanawha County

Buying

Buying a home in Nitro

A typical home in Nitro is worth $128,900: 12% below the county and 21% below West Virginia. With the typical household income in Nitro ($53,848 a year), a typical home costs 2.4 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.

  • Nitro 2.4 years
  • Kanawha 2.4 years
  • West Virginia 2.7 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Kanawha County

According to FHFA’s house price index, home prices in Kanawha County rose 40% in the 10 years through 2025.

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

Period County West Virginia U.S.
Last year (2025) +1.8% +4.1% +2.9%
5 years (2020–2025) +34% +40% +47%
10 years (2015–2025) +40% +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

Nitro next to Kanawha 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
  • Nitro $128,900
  • Kanawha $147,300
  • West Virginia $162,600
  • United States $332,700
Typical monthly rent
  • Nitro $949
  • Kanawha $906
  • West Virginia $872
  • United States $1,413
Typical yearly household income
  • Nitro $53,848
  • Kanawha $60,943
  • West Virginia $59,608
  • United States $80,734
See the full table
Nitro next to Kanawha County and West Virginia
Measure Nitro Kanawha County West Virginia U.S.
Typical home value $128,900 $147,300 $162,600 $332,700
Typical monthly rent $949 $906 $872 $1,413
Typical yearly household income $53,848 $60,943 $59,608 $80,734
Households that own their home 75% 71% 75% 65%
Typical yearly property tax $920 $964 $865 $3,119
Effective property tax rate 0.71% 0.65% 0.53% 0.94%
Renters with high rent for their income 48% 47% 49% 51%

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

For a typical $128,900 home in Nitro, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Nitro's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $1,044a month

    Least cash to close
    Down payment
    $4,512
    Cash to close
    $8,379
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $57

  • Conventional, 5% down $1,021a month

    Down payment
    $6,445
    Cash to close
    $10,312
    Rate
    7.18%
    Mortgage insurance
    PMI · $61

  • Conventional, 20% down, no PMI $829a month

    Down payment
    $25,780
    Cash to close
    $29,647
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $948a month

    Down payment
    $19,335
    Cash to close
    $23,202
    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 Nitro and for Kanawha County.

Property tax

Effective rate in Nitro

0.71%of the home’s value each year

$920 a year for the typical owner in Nitro.

  • Nitro 0.71%
  • Kanawha 0.65%
  • 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 Kanawha County

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

Homes in the high-risk zone
13%
10,173
Of those, with NFIP insurance
9.8%
County West Virginia U.S.
Homes in the high-risk zone 13% 8.1% 3.5%
Of those, with NFIP insurance 9.8% 10% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Nitro

Typical rent in Nitro is $949 a month: 5% above the county. In Nitro, 48% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Kanawha County, by unit size. To pay the 2-bedroom one ($1,048 a month) without spending more than 30% of your income, you would need to earn $20.15 an hour working full time.

HUD fair market rent for all of Kanawha 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 $730 $14.04 $29,200
1 bedroom $844 $16.23 $33,760
2 bedrooms $1,048 $20.15 $41,920
3 bedrooms $1,324 $25.46 $52,960
4 bedrooms $1,377 $26.48 $55,080

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 Nitro

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Nitro is in ZIP code 25143.

For 2 bedrooms it is $1,070: $22 more than the fair market rent for Kanawha County ($1,048).

  • 25143 $1,070$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 Nitro 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 Nitro

HUD lists 3 buildings with rents for lower incomes in Nitro. These are the largest.

  • The Village on Park 1600 Park Ave, Nitro 25143 60 homes, 59 low-income · For older adults (304) 755-4753
  • Crossroads Village Apts Phase I 100 Crossroads Vlg, Nitro 25143 48 low-income homes · 1 bd: 6 · 2 bd: 8 · 3 bd: 26 · 4 bd: 8 · In service since 2004 · For families
  • Crossroads Village Apts Phase II 100 Crossroads Vlg, Nitro 25143 26 low-income homes · 1 bd: 6 · 2 bd: 16 · 4 bd: 4 · In service since 2006 · For families

See all 78 buildings in Kanawha County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Nitro

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.

There is 1 HUD-approved agency with an office in Kanawha County; none says it serves in Spanish.

A young man and a young woman look something up together on a laptop.

HUD counseling is free or low-cost

Assistance programs in Nitro

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

The HUD-approved agencies closest to the center of Nitro, 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 · 11 miles away

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

  • Southern Appalachian Labor School Foundation, Inc.

    140 School Street, Oak Hill · 47 miles away · Spanish

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

  • Housing Authority of Mingo County

    5026 Helena Avenue, Delbarton · 52 miles away · Spanish

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

Every agency in Kanawha County All counseling agencies in West Virginia

Help in Spanish near Nitro

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 Nitro

In HUD’s record, no housing authority with an office in Kanawha County is named for Nitro or Kanawha County.

4 other authorities have an office in Kanawha County: see the list Source: HUD

Cities

Other cities in Kanawha County

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

Everything about Kanawha County Housing in West Virginia

Nearby cities

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

Neighboring counties

If Kanawha 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 Nitro.

All guides
A father holds his baby and his young son by a white picket fence.

Questions

Housing questions about Nitro

Short answers with the numbers for Nitro and all of Kanawha 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 Nitro?

The typical home value in Nitro is $128,900, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Kanawha County it is $147,300.

How much does it cost to rent in Nitro?

Typical rent in Nitro is $949 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Kanawha County is $1,048.

What is the FHA loan limit in Nitro?

Nitro uses the FHA limit for all of Kanawha 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 Nitro?

The typical homeowner in Nitro pays $920 a year, according to the U.S. Census Bureau. That is 0.71% of the home’s value; in Kanawha County, the rate is 0.65%.

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

There is 1 HUD-approved counseling agency with an office in Kanawha County. 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).