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City · 14,151 residents · Putnam County, West Virginia

Teays Valley , West Virginia

In Teays Valley, a typical home is worth $278,000 and typical rent is $1,102 a month. Compared with all of Putnam County, typical household income is 37% higher and the typical home value is 24% higher.

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  • Typical home value

    $278,000

    24% above the county

    71% above West Virginia

    • Teays Valley
    • Putnam
    • West Virginia

  • Typical rent

    $1,102a month

    16% above the county

    26% above West Virginia

    • Teays Valley
    • Putnam
    • West Virginia

  • Typical household income

    $108,741a year

    37% above the county

    82% above West Virginia

    • Teays Valley
    • Putnam
    • West Virginia

  • Households that own their home

    84%

    2 points above the county

    9 points above West Virginia

    • Teays Valley
    • Putnam
    • West Virginia

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

Teays Valley 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 Teays Valley apart

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

  1. Teays Valley has the highest homeownership rate of the 31 cities in West Virginia with more than 5,000 people: 84%.

  2. Nearby, in Dunbar, the typical home value is $119,600: 57% less than in Teays Valley ($278,000).

  3. Teays Valley has the 2nd highest typical household income of the 31 cities in West Virginia with more than 5,000 people ($108,741).

  4. Nearby, in Hurricane, the typical rent is $878: 20% less than in Teays Valley ($1,102).

  5. The typical home in Teays Valley is worth $278,000, 24% more than in Putnam County as a whole ($223,300).

  6. The typical rent in Teays Valley is $1,102 a month, 16% more than in Putnam County as a whole ($952).

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

The homes here

Housing in Teays Valley

What homes there are in Teays Valley, 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 Teays Valley, 8 in 10 homes are single-family detached houses; in Putnam County, 8.

Year built

In Teays Valley, half of the homes were built before 1992; in Putnam County, before 1989.

There is more room for a big family here: 81% of homes have 3 bedrooms or more, against 75% in Putnam 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

The FHA loan limit for Putnam County is $541,287, and about 96% of owner-occupied homes in Teays Valley are worth less than that.

Monthly rent with utilities

With a mortgage

$1,708 a month

Putnam County: $1,528 a month

Without a mortgage

$537 a month

Putnam County: $481 a month

Owners with a mortgage

62%

Putnam County: 52%

Owning costs more in Teays Valley: with a mortgage, the typical cost is $1,708 a month; in Putnam County, $1,528. Without one, $537.

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

Homes in Teays Valley gained value more slowly than in Putnam County: 22% since 2015–2019, against 34%.

Since 2015–2019, the typical rent in Teays Valley did not change clearly, according to the Census.

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

MeasureTeays ValleyPutnam 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 2.392.452.372.53
Drive alone 77%80%78%69%
Carpool 11%8%9%9%
Public transit Unreliable estimateUnreliable estimate1%3%
Walk or bike Unreliable estimateUnreliable estimate3%3%
Work from home 12%11%9%15%
Other means Unreliable estimateUnreliable estimate1%2%
Typical commute 20 to 29 minutes20 to 29 minutes20 to 29 minutes20 to 29 minutes

Much as in Putnam County, a household in Teays Valley has 2.39 people on average.

In Teays Valley, 77% of workers drive alone to work; 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 Teays Valley?

A typical home is within reach of the typical income

We start with a typical home in Teays Valley, worth $278,000, 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 Teays Valley, which is $108,741 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 Teays Valley. 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 $9,730 (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

$2,227

at 7.18% · 30 years

Loan amount
$272,965
Total interest
$392,732
Paid off in
November 2056

Includes $4,695 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $2,537 a month

    Your payment · 25%

  • Tight

    $2,537 to $3,262 a month

  • Hard

    more than $3,262 a month

Compared with the typical household income in Teays Valley ($108,741 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$2,227
Principal & interest$1,849
Property tax$139
Home insurance$116
FHA mortgage insurance (MIP)$123

You need at least $9,730 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

Teays Valley and Putnam County

Teays Valley 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).

Teays Valley's own numbers

Typical home value
$278,000
Typical monthly rent
$1,102
Typical yearly household income
$108,741
Households that own their home
84%
Effective property tax rate
0.6%

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 Teays Valley

A typical home in Teays Valley is worth $278,000: 24% above the county and 71% above West Virginia. With the typical household income in Teays Valley ($108,741 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.

  • Teays Valley 2.6 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

Teays Valley 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
  • Teays Valley $278,000
  • Putnam $223,300
  • West Virginia $162,600
  • United States $332,700
Typical monthly rent
  • Teays Valley $1,102
  • Putnam $952
  • West Virginia $872
  • United States $1,413
Typical yearly household income
  • Teays Valley $108,741
  • Putnam $79,527
  • West Virginia $59,608
  • United States $80,734
See the full table
Teays Valley next to Putnam County and West Virginia
Measure Teays Valley Putnam County West Virginia U.S.
Typical home value $278,000 $223,300 $162,600 $332,700
Typical monthly rent $1,102 $952 $872 $1,413
Typical yearly household income $108,741 $79,527 $59,608 $80,734
Households that own their home 84% 82% 75% 65%
Typical yearly property tax $1,658 $1,311 $865 $3,119
Effective property tax rate 0.6% 0.59% 0.53% 0.94%
Renters with high rent for their income 57% 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 Teays Valley

For a typical $278,000 home in Teays Valley, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Teays Valley's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $2,227a month

    Least cash to close
    Down payment
    $9,730
    Cash to close
    $18,070
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $123

  • Conventional, 5% down $2,176a month

    Down payment
    $13,900
    Cash to close
    $22,240
    Rate
    7.18%
    Mortgage insurance
    PMI · $132

  • Conventional, 20% down, no PMI $1,761a month

    Down payment
    $55,600
    Cash to close
    $63,940
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $2,018a month

    Down payment
    $41,700
    Cash to close
    $50,040
    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 Teays Valley and for Putnam County.

Property tax

Effective rate in Teays Valley

0.6%of the home’s value each year

$1,658 a year for the typical owner in Teays Valley.

  • Teays Valley 0.6%
  • 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 Teays Valley

Typical rent in Teays Valley is $1,102 a month: 16% above the county. In Teays Valley, 57% 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 Teays Valley

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

For 2 bedrooms it runs from $1,000 in 25526 to $1,600 in 25560.

1 of the 2 is above the fair market rent for Putnam County ($1,091).

  • 25526 $1,000$1,380
  • 25560 $1,600$2,200

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

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 grandmother smiles, seated at home.

HUD counseling is free or low-cost

Assistance programs in Teays Valley

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

The HUD-approved agencies closest to the center of Teays Valley, 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 · 17 miles away

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

  • 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

  • Southern Appalachian Labor School Foundation, Inc.

    140 School Street, Oak Hill · 53 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 Teays Valley

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 Teays Valley

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 Teays Valley, 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 Teays Valley.

All guides
A smiling girl holds up a small mushroom she found on a forest outing.

Questions

Housing questions about Teays Valley

Short answers with the numbers for Teays Valley 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 Teays Valley?

The typical home value in Teays Valley is $278,000, 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 Teays Valley?

Typical rent in Teays Valley is $1,102 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 Teays Valley?

Teays Valley 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 Teays Valley?

The typical homeowner in Teays Valley pays $1,658 a year, according to the U.S. Census Bureau. That is 0.6% of the home’s value; in Putnam County, the rate is 0.59%.

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

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).