The median home in Charles Town, West Virginia is valued at $395,771, up 3.7% year over year. Typical monthly rent is $1,890, producing a price-to-rent ratio of 17.5x — near the national average of 18x. Charles Town is part of the Washington-Arlington-Alexandria, DC-VA-MD-WV metropolitan area, which CrashWatch tracks daily with real-time stress scores and crash risk analysis.

See the full metro analysis: Washington-Arlington-Alexandria, DC-VA-MD-WV stress score, crash risk, and 12-month forecast →

Home Value$395,771

+3.7%

Rent$1,890/mo

AFFORDABILITY

Enter your income for Charles Town.

Income (annual)

Down Payment

$79,154 on $395,771

Out of reach — 36.9% of income

Need $98,957/yr to afford.

PITI$2,309

P/I36.9%

Afford$300K

Gap-$96K

P&I $2,001Tax $191Ins $117

Renting $419/mo cheaper ($1,890 rent)6.50% 30yr, 20% down, county tax + WV ins. 28% per HUD.

Home Buying Kit For Dummies (2025)Financing, negotiation, closing

Other cities in West Virginia

Compare Charles Town with other housing markets across West Virginia.

Shepherdstown$469K Summit Point$446K Shenandoah Junction$440K Harpers Ferry$390K Kearneysville$376K Gerrardstown$332K Hedgesville$326K Davis$319K

Full Washington-Arlington-Alexandria, DC-VA-MD-WV analysis

Stress scores, crash risk, early warning signals, and 12-month price forecasts for the Washington-Arlington-Alexandria, DC-VA-MD-WV metro.

View Washington-Arlington-Alexandria, DC-VA-MD-WV metro →

CHARLES TOWN, WV