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City · 6,988 residents · Cabell County, West Virginia

Pea Ridge , West Virginia

In Pea Ridge, a typical home is worth $188,500 and typical rent is $1,014 a month. Compared with all of Cabell County, typical household income is 18% higher and the typical home value is 15% higher.

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  • Typical home value

    $188,500

    15% above the county

    16% above West Virginia

    • Pea Ridge
    • Cabell
    • West Virginia

  • Typical rent

    $1,014a month

    10% above the county

    16% above West Virginia

    • Pea Ridge
    • Cabell
    • West Virginia

  • Typical household income

    $65,811a year

    18% above the county

    10% above West Virginia

    • Pea Ridge
    • Cabell
    • West Virginia

  • Households that own their home

    65%

    1 points above the county

    10 points below West Virginia

    • Pea Ridge
    • Cabell
    • West Virginia

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

Pea Ridge is in Cabell 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 Cabell County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Pea Ridge apart

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

  1. Nearby, in Huntington, the typical home value is $127,200: 33% less than in Pea Ridge ($188,500).

  2. The typical household income in Pea Ridge is $65,811, 18% more than in Cabell County as a whole ($55,832).

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

The homes here

Housing in Pea Ridge

What homes there are in Pea Ridge, 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 Pea Ridge, 6 in 10 homes are single-family detached houses; in Cabell County, 7.

Year built

The typical home in Pea Ridge was built in 1977, 6 years after the typical one in Cabell County.

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

$1,388 a month

Cabell County: $1,240 a month

Without a mortgage

$447 a month

Cabell County: $461 a month

Owners with a mortgage

53%

Cabell County: 50%

In Pea Ridge, 53% of owners have a mortgage, and their typical cost is $1,388 a month, against $1,240 in Cabell County. Without one it drops to $447.

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 Pea Ridge rose 22%; in Cabell County, it rose 32%.

Rents in Pea Ridge rose at about the same pace as in Cabell County: 23% since 2015–2019, against 23%.

The typical household income in Pea Ridge rose 37%: more than home values (+22%) and rent (+23%).

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

MeasurePea RidgeCabell CountyWest VirginiaUnited States
Rental vacancy Unreliable estimate6.2%6.7%5.5%
Homeowner vacancy Unreliable estimateUnreliable estimate1.2%0.9%
More than one person per room Unreliable estimate1.3%1.3%3.4%
People per household 2.042.242.372.53
Drive alone 87%76%78%69%
Carpool Unreliable estimate10%9%9%
Public transit Unreliable estimate1%1%3%
Walk or bike Unreliable estimate4%3%3%
Work from home Unreliable estimate9%9%15%
Other means Unreliable estimate2%1%2%
Typical commute 10 to 19 minutes10 to 19 minutes20 to 29 minutes20 to 29 minutes

Households in Pea Ridge are smaller: 2.04 people on average; in Cabell County, 2.24.

To get to work, 87% of workers in Pea Ridge drive alone; in Cabell County, 76%.

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 Pea Ridge?

A typical home is within reach of the typical income

We start with a typical home in Pea Ridge, worth $188,500, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 28% of the typical household income in Pea Ridge, which is $65,811 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Pea Ridge. 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 $6,598 (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

$1,519

at 7.18% · 30 years

Loan amount
$185,085
Total interest
$266,294
Paid off in
November 2056

Includes $3,183 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,536 a month

    Your payment · 28%

  • Tight

    $1,536 to $1,974 a month

  • Hard

    more than $1,974 a month

Compared with the typical household income in Pea Ridge ($65,811 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$1,519
Principal & interest$1,254
Property tax$104
Home insurance$79
FHA mortgage insurance (MIP)$83

You need at least $6,598 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

Pea Ridge and Cabell County

Pea Ridge is in Cabell 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).

Pea Ridge's own numbers

Typical home value
$188,500
Typical monthly rent
$1,014
Typical yearly household income
$65,811
Households that own their home
65%
Effective property tax rate
0.66%

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

Numbers for all of Cabell County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,006
Price change over 5 years (FHFA)
+38%
Homes in a high flood-risk zone
5.2%

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 Cabell County.

Everything about Cabell County

Buying

Buying a home in Pea Ridge

A typical home in Pea Ridge is worth $188,500: 15% above the county and 16% above West Virginia. With the typical household income in Pea Ridge ($65,811 a year), a typical home costs 2.9 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.

  • Pea Ridge 2.9 years
  • Cabell 2.9 years
  • West Virginia 2.7 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Cabell County

According to FHFA’s house price index, home prices in Cabell County rose 47% in the 10 years through 2025.

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

Period County West Virginia U.S.
Last year (2025) +7.1% +4.1% +2.9%
5 years (2020–2025) +38% +40% +47%
10 years (2015–2025) +47% +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

Pea Ridge next to Cabell 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
  • Pea Ridge $188,500
  • Cabell $164,400
  • West Virginia $162,600
  • United States $332,700
Typical monthly rent
  • Pea Ridge $1,014
  • Cabell $923
  • West Virginia $872
  • United States $1,413
Typical yearly household income
  • Pea Ridge $65,811
  • Cabell $55,832
  • West Virginia $59,608
  • United States $80,734
See the full table
Pea Ridge next to Cabell County and West Virginia
Measure Pea Ridge Cabell County West Virginia U.S.
Typical home value $188,500 $164,400 $162,600 $332,700
Typical monthly rent $1,014 $923 $872 $1,413
Typical yearly household income $65,811 $55,832 $59,608 $80,734
Households that own their home 65% 64% 75% 65%
Typical yearly property tax $1,236 $992 $865 $3,119
Effective property tax rate 0.66% 0.6% 0.53% 0.94%
Renters with high rent for their income 49% 57% 49% 51%

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

For a typical $188,500 home in Pea Ridge, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Pea Ridge's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $1,519a month

    Least cash to close
    Down payment
    $6,598
    Cash to close
    $12,253
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $83

  • Conventional, 5% down $1,485a month

    Down payment
    $9,425
    Cash to close
    $15,080
    Rate
    7.18%
    Mortgage insurance
    PMI · $90

  • Conventional, 20% down, no PMI $1,204a month

    Down payment
    $37,700
    Cash to close
    $43,355
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $1,378a month

    Down payment
    $28,275
    Cash to close
    $33,930
    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 Pea Ridge and for Cabell County.

Property tax

Effective rate in Pea Ridge

0.66%of the home’s value each year

$1,236 a year for the typical owner in Pea Ridge.

  • Pea Ridge 0.66%
  • Cabell 0.6%
  • 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 Cabell County

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

Homes in the high-risk zone
5.2%
1,717
Of those, with NFIP insurance
14%
County West Virginia U.S.
Homes in the high-risk zone 5.2% 8.1% 3.5%
Of those, with NFIP insurance 14% 10% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Pea Ridge

Typical rent in Pea Ridge is $1,014 a month: 10% above the county. In Pea Ridge, 49% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Cabell County, by unit size. To pay the 2-bedroom one ($1,006 a month) without spending more than 30% of your income, you would need to earn $19.35 an hour working full time.

HUD fair market rent for all of Cabell 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 $858 $16.50 $34,320
1 bedroom $864 $16.62 $34,560
2 bedrooms $1,006 $19.35 $40,240
3 bedrooms $1,287 $24.75 $51,480
4 bedrooms $1,393 $26.79 $55,720

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 Pea Ridge

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

For 2 bedrooms it runs from $1,050 in 25504 to $1,090 in 25705.

2 of the 2 are above the fair market rent for Cabell County ($1,006).

  • 25504 $1,050$1,340
  • 25705 $1,090$1,390

2 of these ZIP codes cross the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Pea Ridge 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?

Free help

Help to buy or rent in Pea Ridge

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 Cabell 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 Pea Ridge

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

The HUD-approved agencies closest to the center of Pea Ridge, 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 · 38 miles away

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

  • Housing Authority of Mingo County

    5026 Helena Avenue, Delbarton · 49 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 · 71 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 Pea Ridge

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 Pea Ridge

In HUD’s record, no housing authority with an office in Cabell County is named for Pea Ridge or Cabell County.

One other authority has an office in Cabell County: see the list Source: HUD

Cities

Other cities in Cabell County

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

Everything about Cabell County Housing in West Virginia

Nearby cities

The cities closest to Pea Ridge, with the typical home value.

Neighboring counties

If Cabell 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 Pea Ridge.

All guides
A couple spread mulch under the avocado trees of their family orchard, he on the tractor and she with a shovel.

Questions

Housing questions about Pea Ridge

Short answers with the numbers for Pea Ridge and all of Cabell 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 Pea Ridge?

The typical home value in Pea Ridge is $188,500, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Cabell County it is $164,400.

How much does it cost to rent in Pea Ridge?

Typical rent in Pea Ridge is $1,014 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Cabell County is $1,006.

What is the FHA loan limit in Pea Ridge?

Pea Ridge uses the FHA limit for all of Cabell 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 Pea Ridge?

The typical homeowner in Pea Ridge pays $1,236 a year, according to the U.S. Census Bureau. That is 0.66% of the home’s value; in Cabell County, the rate is 0.6%.

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

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