Cost of Living in Charles Town, WV

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B-
12%
Overall NAT. AVG.
1%
Groceries NAT. AVG.
31%
Housing NAT. AVG.
Date & Last Updated: These cost of living estimates reflect 2026 modeled data using U.S. Census housing inputs and AI-assisted city-level pricing models.
The cost of living index is based on a national average of 100. For example, if the cost of living score is 90, then the estimated cost of living is 10% lower than the national average. If the score is 110, then the estimated cost of living is 10% higher than average. The overall index is calculated using weighted estimates across major everyday expense categories, including housing (30%), groceries (16%), transportation (12%), healthcare (10%), utilities (8%), lifestyle and entertainment (8%), household expenses (8%), and education and childcare (8%). All values are AI-assisted city-level estimates designed for directional comparisons.
Index Charles Town West Virginia National
Cost of living11285100
Groceries10197100
Health care10394100
Housing13162100
Transportation10495100
Utilities10294100
Lifestyle & Entertainment10694100
Household Items10095100
Education & Childcare11291100
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Homes For Sale In Charles Town, WV

property for sale

267 Swan Field Ave

Ranson, WV
property for sale

19 Aloma St

Charles Town, WV
property for sale

11 Aloma St

Charles Town, WV
property for sale

43 Ansley Way

Charles Town, WV

Cost Of Living Quick Facts

  • The cost of living in Charles Town is 32% higher than the West Virginia average
  • The cost of living in Charles Town is 12% higher than the national average
  • Charles Town housing is 31% higher than the national average
  • West Virginia general sales tax is 18% higher than the national average
  • West Virginia state income tax is 16% higher than the national average

Most Affordable Places to Live in and Around Charles Town

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      Salary Calculator

      This is how much you would need to earn in
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      Housing index
      Transportation index
      Utilities index
      Lifestyle index
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      Educare index

      Median Income & Debt-To-Income Ratio

      Median Income Per Year Per Month Max Budget (28% DTI) Max Budget (36% DTI)
      Owners$156,430$13,036$3,650$4,693
      Renters$51,924$4,327$1,211$1,558
      The affordability of the housing market in Charles Town, WV as well as the overall cost of living can be predicted by what percent of the monthly income is spent on housing related costs. This is konwn as the debt-to-income ratio (DTI). The overall rule of thumb is that no more than 28% of your gross income should be spent on the overall costs related to housing and no more than 36% of gross income on all expenses and debts. Among Charles Town homeowners, the median income is $156,430. This indicates that a monthly maximum of $3,650 should be spent by homeowners on all housing related costs. Renters have a median income of $51,924. This indicates that renters would have a maximum of $1,211 for their rent related monthly costs.

      West Virginia Sales Tax

      State General Sales Tax With Max Surtax
      West Virginia 6% 7%

      West Virginia Income Tax

      State Income Tax (Low) Income Tax (High)
      West Virginia 3% 6.5%

      Nearby cities with low cost of living

      City Population Cost of Living Index National Avg.
      Antietam, MD471076.9%
      Eakles Mill, MD01076.9%
      Mount Briar, MD1211076.9%
      Brownsville, MD271087.7%
      Mercersville, MD1951076.9%
      Charles Town, WV6,15111211.7%

      Cities with similar population

      City Population Cost of Living Index National Avg.
      Highland Lakes, AL6,15114040.2%
      District Heights, MD6,15011717.4%
      Snyderville, UT6,15018180.8%
      Fort Washington, PA6,15214342.7%
      Steelton, PA6,1528910.8%
      Charles Town, WV6,15111211.7%
      Date & Last Updated: These cost of living estimates reflect 2026 modeled data using U.S. Census housing inputs and AI-assisted city-level pricing models.
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