City · 7,937 residents · Fayette County, West Virginia
Oak Hill, West Virginia
In Oak Hill, a typical home is worth $118,700 and typical rent is $847 a month. Compared with all of Fayette County, the typical home value is 12% higher and typical rent is 7% higher.
Typical home value from Zillow, September 2021 to September 2026: from $111,458 to $158,460.
From Zillow (ZHVI), September 2026. The Census figures above are 5-year averages (2020–2024).
Oak Hill is in Fayette 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 Fayette County. See the county
What this place has that others do not, from public data, most unusual first.
1
Oak Hill has the 3rd lowest typical home value of the 31 cities in West Virginia with more than 5,000 people ($118,700).
2
8% of households in Oak Hill have no internet at home (13% in Fayette County).
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Oak Hill
What homes there are in Oak Hill, 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 houseAttached houseBuilding of 2 to 4Apartments (5 or more)Mobile homeBoat, RV and otherUnreliable estimate
Oak Hill
Fayette County
West Virginia
United States
Kind of home: Oak Hill and its comparisons
Measure
Oak Hill
Fayette County
West Virginia
United States
Detached house
77%
77%
71%
61%
Attached house
Unreliable estimate
Unreliable estimate
3%
6%
Building of 2 to 4
Unreliable estimate
3%
5%
8%
Apartments (5 or more)
Unreliable estimate
5%
8%
19%
Mobile home
11%
15%
14%
6%
Boat, RV and other
Unreliable estimate
Unreliable estimate
0%
0%
The detached house is the most common home in Oak Hill: 77% of homes, near the figure in Fayette County (77%).
Year built
Before 19601960–19791980–19992000–20092010 or laterUnreliable estimate
Oak Hill
Fayette County
West Virginia
United States
Year built: Oak Hill and its comparisons
Measure
Oak Hill
Fayette County
West Virginia
United States
Before 1960
31%
40%
32%
26%
1960–1979
35%
23%
24%
24%
1980–1999
20%
22%
25%
25%
2000–2009
11%
10%
12%
14%
2010 or later
Unreliable estimate
5%
8%
11%
In Oak Hill, half of the homes were built before 1974; in Fayette County, before 1972.
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Unreliable estimate
Under $100K41%
$100K–$200K37%
$200K–$300K17%
$300K–$500KUnreliable
$500K–$750KUnreliable
$750K–$1MUnreliable
$1M or moreUnreliable
Value of owner-occupied homes: Oak Hill and its comparisons
Measure
Oak Hill
Under $100K
41%
$100K–$200K
37%
$200K–$300K
17%
$300K–$500K
Unreliable estimate
$500K–$750K
Unreliable estimate
$750K–$1M
Unreliable
$1M or more
Unreliable estimate
Monthly rent with utilities
Under the limitOver the limitUnreliable estimate
Under $50025%
$500–$99941%
HUD fair market rent, 2 bedrooms: $961
$1,000–$1,49923%
$1,500–$1,999Unreliable
$2,000–$2,499Unreliable
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Oak Hill and its comparisons
Measure
Oak Hill
Under $500
25%
$500–$999
41%
$1,000–$1,499
23%
$1,500–$1,999
Unreliable estimate
$2,000–$2,499
Unreliable estimate
$2,500–$2,999
Unreliable
$3,000 or more
Unreliable
About 62% of rented homes in Oak Hill cost less than HUD's 2-bedroom fair market rent for Fayette County ($961); the rest cost more.
With a mortgage
$1,122 a month
Fayette County: $1,174 a month
Without a mortgage
$440 a month
Fayette County: $397 a month
Owners with a mortgage
40%
Fayette County: 40%
In Oak Hill, 40% of owners have a mortgage; their typical cost is $1,122 a month, about the same as in Fayette County.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Oak Hill+22%
Fayette County+16%
West Virginia+36%
United States+53%
Typical rent
Oak Hill+30%
Fayette County+23%
West Virginia+20%
United States+33%
Typical household income
Oak Hill+34%
Fayette County+29%
West Virginia+28%
United States+29%
Change since 2015–2019: Oak Hill and its comparisons
Measure
Oak Hill
Fayette County
West Virginia
United States
Typical home value
+22%
+16%
+36%
+53%
Typical rent
+30%
+23%
+20%
+33%
Typical household income
+34%
+29%
+28%
+29%
Since 2015–2019, homes in Oak Hill gained value faster than in Fayette County: 22% against 16%.
Since 2015–2019, the typical rent in Oak Hill rose 30%, more than in Fayette County (23%).
Income in Oak Hill grew faster than housing: it rose 34%, while home values changed +22% and rent +30%.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Oak Hill and its comparisons
Measure
Oak Hill
Fayette County
West Virginia
United States
Rental vacancy
Unreliable estimate
7.5%
6.7%
5.5%
Homeowner vacancy
Unreliable estimate
Unreliable estimate
1.2%
0.9%
More than one person per room
Unreliable estimate
Unreliable estimate
1.3%
3.4%
People per household
2.34
2.40
2.37
2.53
Drive alone
75%
78%
78%
69%
Carpool
14%
11%
9%
9%
Public transit
Unreliable estimate
Unreliable estimate
1%
3%
Walk or bike
Unreliable estimate
3%
3%
3%
Work from home
5%
7%
9%
15%
Other means
Unreliable estimate
Unreliable estimate
1%
2%
Typical commute
Unreliable estimate
20 to 29 minutes
20 to 29 minutes
20 to 29 minutes
Much as in Fayette County, a household in Oak Hill has 2.34 people on average.
To get to work, 75% of workers in Oak Hill drive alone; in Fayette County, 78%.
Do the math
What would you pay each month for a home in Oak Hill?
A typical home is within reach of the typical income
We start with a typical home in Oak Hill, worth $118,700, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 22% of the typical household income in Oak Hill, which is $52,466 a year.
The calculator's FHA and conventional loan limits are those of all of Fayette County.
Change the price, the down payment or the loan: the payment updates right away.
Your numbers
Local data
$
Starts at the typical home value in Oak Hill. Change it to the price you have in mind.
Your score changes which loans apply and FHA's minimum down payment. Your real rate also depends on your credit.
Down payment
%
That is $4,155 (3.5% of the price). The usual minimum for this loan is 3.5%.
This week's average ± a quarter or half point.
National average as of November 5, 2026 (Freddie Mac); your rate may be different.
Adjust advanced details⌄
Estimated monthly payment
Local data
$953
at 7.18% · 30 years
Loan amount
$116,550
Total interest
$167,687
Paid off in
November 2056
Includes $2,005 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $1,224 a month
Your payment · 22%
Tight
$1,224 to $1,574 a month
Hard
more than $1,574 a month
Compared with the typical household income in Oak Hill ($52,466 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$790
Property tax
$61
Home insurance
$50
FHA mortgage insurance (MIP)
$52
You need at least $4,155 for the down payment, plus closing costs.
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.
Total monthly payment $953; principal and interest $790.
The city and its county
Oak Hill and Fayette County
Oak Hill is in Fayette 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).
Oak Hill
Map of Fayette County, West Virginia, with Oak Hill marked. Around it, the neighboring counties.
Oak Hill
Fayette County
Other cities with a page
Oak Hill's own numbers
Typical home value
$118,700
Typical monthly rent
$847
Typical yearly household income
$52,466
Households that own their home
74%
Effective property tax rate
0.62%
U.S. Census Bureau, American Community Survey (average 2020–2024).
Numbers for all of Fayette County
FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$961
Price change over 5 years (FHFA)
+75%
Homes in a high flood-risk zone
4.6%
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 Fayette County.
A typical home in Oak Hill is worth $118,700: 12% above the county and 27% below West Virginia. With the typical household income in Oak Hill ($52,466 a year), a typical home costs 2.3 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.
Oak Hill2.3 years
Fayette2.0 years
West Virginia2.7 years
United States4.1 years
Source: U.S. Census Bureau, Average 2020–2024
How prices have changed in Fayette County
According to FHFA’s house price index, home prices in Fayette County rose 78% in the 10 years through 2025.
FHFA does not publish this index by city: these are the numbers for all of Fayette County.
Yearly change in FHFA’s price index in Fayette County, 2016 to 2025
2016: −5.5% −5.5% 2016
2017: +4.8% +4.8% 2017
2018: +3.0% +3.0% 2018
2019: −3.1% −3.1% 2019
2020: +2.5% +2.5% 2020
2021: +12.2% +12.2% 2021
2022: +5.5% +5.5% 2022
2023: +23.6% +23.6% 2023
2024: +8.6% +8.6% 2024
2025: +10.4% +10.4% 2025
Change in FHFA’s price index in Fayette County, West Virginia and the United States
Period
County
West Virginia
U.S.
Last year (2025)
+10.4%
+4.1%
+2.9%
5 years (2020–2025)
+75%
+40%
+47%
10 years (2015–2025)
+78%
+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
Oak Hill next to Fayette 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
Oak Hill$118,700
Fayette$105,800
West Virginia$162,600
United States$332,700
Typical monthly rent
Oak Hill$847
Fayette$788
West Virginia$872
United States$1,413
Typical yearly household income
Oak Hill$52,466
Fayette$53,194
West Virginia$59,608
United States$80,734
See the full table
Oak Hill next to Fayette County and West Virginia
Measure
Oak Hill
Fayette County
West Virginia
U.S.
Typical home value
$118,700 ▲12% above the county
$105,800
$162,600
$332,700
Typical monthly rent
$847 ▲7% above the county
$788
$872
$1,413
Typical yearly household income
$52,466
$53,194
$59,608
$80,734
Households that own their home
74% ▼4 points below the county
78%
75%
65%
Typical yearly property tax
$733 ▲8% above the county
$676
$865
$3,119
Effective property tax rate
0.62% ▼0.02 points below the county
0.64%
0.53%
0.94%
Renters with high rent for their income
57% ▲4 points above the county
53%
49%
51%
“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Fayette 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 Oak Hill
For a typical $118,700 home in Oak Hill, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Oak Hill's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$953a month
Least cash to close
Down payment
$4,155
Cash to close
$7,716
Rate
7.18%
Mortgage insurance
FHA MIP · $53
Conventional, 5% down$931a month
Down payment
$5,935
Cash to close
$9,496
Rate
7.18%
Mortgage insurance
PMI · $56
Conventional, 20% down, no PMI$754a month
Down payment
$23,740
Cash to close
$27,301
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$864a month
Down payment
$17,805
Cash to close
$21,366
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Oak Hill
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$953
$4,155
$116,550
7.18%
FHA MIP · $53
$7,716
580
Conventional, 5% down
$931
$5,935
$112,765
7.18%
PMI · $56
$9,496
620*
Conventional, 20% down, no PMI
$754
$23,740
$94,960
7.18%
None
$27,301
620*
ITIN, 15% down (example)
$864
$17,805
$100,895
8.18%
None
$21,366
Set by the lender
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.
Typical rent in Oak Hill is $847 a month: 7% above the county. In Oak Hill, 57% of renter households pay 30% or more of their income in rent.
HUD publishes a fair market rent for all of Fayette County, by unit size. To pay the 2-bedroom one ($961 a month) without spending more than 30% of your income, you would need to earn $18.48 an hour working full time.
What you need to earn to pay it without spending more than 30% of income, working full time.
HUD fair market rent in Fayette County (Fiscal year 2027)
Size
Fair rent a month
Hourly wage
Yearly income
Studio
$730
$14.04
$29,200
1 bedroom
$735
$14.13
$29,400
2 bedrooms
$961
$18.48
$38,440
3 bedrooms
$1,258
$24.19
$50,320
4 bedrooms
$1,606
$30.88
$64,240
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 Oak Hill
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Oak Hill has 3 ZIP codes with their own.
For 2 bedrooms it runs from $990 in 25901 to $1,040 in 25840.
3 of the 3 are above the fair market rent for Fayette County ($961).
2-bedroom fair market rent in each of the 3 ZIP codes of Oak Hill, beside the one for Fayette County. For 2 bedrooms it runs from $990 in 25901 to $1,040 in 25840. 3 of the 3 are above the fair market rent for Fayette County ($961).
2-bedroom fair market rent in each ZIP code
Each line is one ZIP code: in color, those above the county's fair market rent; in gray, the rest.
County: $961
Lowest: $990 (25901)Highest: $1,040 (25840)
Fair market rent by ZIP code and size in Oak Hill, fiscal year 2027.
25840
$790
$800
$1,040
$1,360
$1,740
25879
$770
$780
$1,010
$1,320
$1,690
25901
$750
$760
$990
$1,300
$1,650
ZIP code2 bd3 bd
25840 $1,040$1,360
25879 $1,010$1,320
25901 $990$1,300
2 of these ZIP codes cross the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Oak Hill 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 2027Small Area Fair Market Rents (HUD) (external site)Source: Census Bureau ZCTA-to-place relationship fileData from 2020 dataCensus Bureau ZCTA-to-place relationship file (external site)
HUD lists 5 buildings with rents for lower incomes in Oak Hill. These are the largest.
Pineknoll Apartments99 Pine Knls, Oak Hill 25901104 low-income homes · For families(304) 469-4684
Twin Oaks Plaza201 Oak Hill Ave, Oak Hill 2590160 homes, 59 low-income · For older adults(304) 469-9938
Fayette Manor Apts1300 Virginia St, Oak Hill 2590136 low-income homes · 1 bd: 31 · 2 bd: 3 · In service since 1992
Plateau Oaks Apts100 Plateau Oaks Dr, Oak Hill 2590132 low-income homes · 1 bd: 6 · 2 bd: 16 · 3 bd: 10 · In service since 2004 · For older adults, people with disabilities, families
Fayette Hills Unity300 High St S, Oak Hill 2590118 low-income homes · For people with disabilities(304) 465-8240
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 Fayette County; 1 says it serves in Spanish.
No down payment, repair or rent-help program on our list is for Oak Hill or Fayette County. The ones below are statewide in West Virginia: they work in Oak Hill the same as in the rest of the state.
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).
No legal help resource on our list is for Oak Hill or Fayette County in particular.
If you have a problem with your landlord, an eviction notice or a scam, the Legal Services Corporation (LSC) search shows the free legal aid offices that serve your area.
Short answers with the numbers for Oak Hill and all of Fayette 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 Oak Hill?
The typical home value in Oak Hill is $118,700, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Fayette County it is $105,800.
How much does it cost to rent in Oak Hill?
Typical rent in Oak Hill is $847 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Fayette County is $961.
What is the FHA loan limit in Oak Hill?
Oak Hill uses the FHA limit for all of Fayette 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 Oak Hill?
The typical homeowner in Oak Hill pays $733 a year, according to the U.S. Census Bureau. That is 0.62% of the home’s value; in Fayette County, the rate is 0.64%.
Where can I find free help to buy or rent in Oak Hill?
There is 1 HUD-approved counseling agency with an office in Fayette County. 1 says it serves in Spanish. They can help you get ready to buy, with your credit, or with rent.
