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City · 10,522 residents · Kanawha County, West Virginia

St. Albans , West Virginia

In St. Albans, a typical home is worth $140,800 and typical rent is $931 a month. Compared with all of Kanawha County, typical household income is 11% lower.

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  • Typical home value

    $140,800

    4% below the county

    13% below West Virginia

    • St. Albans
    • Kanawha
    • West Virginia

  • Typical rent

    $931a month

    3% above the county

    7% above West Virginia

    • St. Albans
    • Kanawha
    • West Virginia

  • Typical household income

    $53,972a year

    11% below the county

    9% below West Virginia

    • St. Albans
    • Kanawha
    • West Virginia

  • Households that own their home

    72%

    1 points above the county

    3 points below West Virginia

    • St. Albans
    • Kanawha
    • West Virginia

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

Market now, with Zillow data

Zillow data
Typical home value
$152,037
1.5% less than 12 months ago

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

St. Albans 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 St. Albans 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 St. Albans fell 1.5%; in West Virginia, it rose 2.6%.

  2. Nearby, in Dunbar, the typical home value is $119,600: 15% less than in St. Albans ($140,800).

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

The homes here

Housing in St. Albans

What homes there are in St. Albans, 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 rules in St. Albans: 84% of homes, more than in Kanawha County (70%).

Year built

In St. Albans, half of the homes were built before 1956; 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

$1,114 a month

Kanawha County: $1,216 a month

Without a mortgage

$447 a month

Kanawha County: $447 a month

Owners with a mortgage

55%

Kanawha County: 48%

The typical cost for an owner with a mortgage in St. Albans is $1,114 a month, less than in Kanawha County ($1,216); without one, $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 St. Albans rose 24%; in Kanawha County, it rose 31%.

Rents in St. Albans rose at about the same pace as in Kanawha County: 21% since 2015–2019, against 21%.

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

MeasureSt. AlbansKanawha 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 2.242.272.372.53
Drive alone 75%77%78%69%
Carpool Unreliable estimate8%9%9%
Public transit Unreliable estimate1%1%3%
Walk or bike Unreliable estimate3%3%3%
Work from home 13%10%9%15%
Other means Unreliable estimate1%1%2%
Typical commute Unreliable estimateUnreliable estimate20 to 29 minutes20 to 29 minutes

By size, households in St. Albans look like those in Kanawha County: 2.24 people on average.

Many people here do not commute at all: 13% work from home; in Kanawha County, 10%.

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 St. Albans?

A typical home is within reach of the typical income

We start with a typical home in St. Albans, worth $140,800, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 25% of the typical household income in St. Albans, which is $53,972 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 St. Albans. 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 $4,928 (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

$1,138

at 7.18% · 30 years

Loan amount
$138,250
Total interest
$198,909
Paid off in
November 2056

Includes $2,378 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,259 a month

    Your payment · 25%

  • Tight

    $1,259 to $1,619 a month

  • Hard

    more than $1,619 a month

Compared with the typical household income in St. Albans ($53,972 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$1,138
Principal & interest$937
Property tax$81
Home insurance$59
FHA mortgage insurance (MIP)$62

You need at least $4,928 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

St. Albans and Kanawha County

St. Albans 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).

St. Albans's own numbers

Typical home value
$140,800
Typical monthly rent
$931
Typical yearly household income
$53,972
Households that own their home
72%
Effective property tax rate
0.69%

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 St. Albans

A typical home in St. Albans is worth $140,800: 4% below the county and 13% below West Virginia. With the typical household income in St. Albans ($53,972 a year), a typical home costs 2.6 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.

  • St. Albans 2.6 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

St. Albans 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
  • St. Albans $140,800
  • Kanawha $147,300
  • West Virginia $162,600
  • United States $332,700
Typical monthly rent
  • St. Albans $931
  • Kanawha $906
  • West Virginia $872
  • United States $1,413
Typical yearly household income
  • St. Albans $53,972
  • Kanawha $60,943
  • West Virginia $59,608
  • United States $80,734
See the full table
St. Albans next to Kanawha County and West Virginia
Measure St. Albans Kanawha County West Virginia U.S.
Typical home value $140,800 $147,300 $162,600 $332,700
Typical monthly rent $931 $906 $872 $1,413
Typical yearly household income $53,972 $60,943 $59,608 $80,734
Households that own their home 72% 71% 75% 65%
Typical yearly property tax $975 $964 $865 $3,119
Effective property tax rate 0.69% 0.65% 0.53% 0.94%
Renters with high rent for their income 49% 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 St. Albans

For a typical $140,800 home in St. Albans, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, St. Albans's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $1,138a month

    Least cash to close
    Down payment
    $4,928
    Cash to close
    $9,152
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $62

  • Conventional, 5% down $1,113a month

    Down payment
    $7,040
    Cash to close
    $11,264
    Rate
    7.18%
    Mortgage insurance
    PMI · $67

  • Conventional, 20% down, no PMI $903a month

    Down payment
    $28,160
    Cash to close
    $32,384
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $1,033a month

    Down payment
    $21,120
    Cash to close
    $25,344
    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 St. Albans and for Kanawha County.

Property tax

Effective rate in St. Albans

0.69%of the home’s value each year

$975 a year for the typical owner in St. Albans.

  • St. Albans 0.69%
  • 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 St. Albans

Typical rent in St. Albans is $931 a month: 3% above the county. In St. Albans, 49% 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 St. Albans

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). St. Albans is in ZIP code 25177.

For 2 bedrooms it is $1,010: $38 less than the fair market rent for Kanawha County ($1,048).

  • 25177 $1,010$1,320

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

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 man listens closely, seated at a meeting table.

HUD counseling is free or low-cost

Assistance programs in St. Albans

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

The HUD-approved agencies closest to the center of St. Albans, 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 · 10 miles away

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

  • Southern Appalachian Labor School Foundation, Inc.

    140 School Street, Oak Hill · 46 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 · 50 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 St. Albans

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 St. Albans

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

  • Housing Authority of the City of St. Albans Public housing (304) 727-5441

3 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 St. Albans, 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 St. Albans.

All guides
Three women of one family talk as they cook vegetables in the kitchen.

Questions

Housing questions about St. Albans

Short answers with the numbers for St. Albans 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 St. Albans?

The typical home value in St. Albans is $140,800, 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 St. Albans?

Typical rent in St. Albans is $931 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 St. Albans?

St. Albans 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 St. Albans?

The typical homeowner in St. Albans pays $975 a year, according to the U.S. Census Bureau. That is 0.69% of the home’s value; in Kanawha County, the rate is 0.65%.

Where can I find free help to buy or rent in St. Albans?

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).