West Virginia Title Insurance Rate and Transfer Tax Calculator

West Virginia state flagThe West Virginia title insurance rate calculator may be used to estimate title insurance prices for residential properties with one to four units.
West Virginia levies a deed transfer tax (often referred to as an excise tax) on real property. The tax is $1.10 per $1,000.
Each county has the authority to establish its own excise tax rate, which the majority do. West Virginia does not have a mortgage tax. West Virginia title insurance calculator will compute residential and non-commercial title insurance premiums, as well as estimate state and county transfer taxes. Please send me an E-mail if you see an error or want to make a comment.


  West Virginia Title Insurance & Transfer Tax Calculator
  Choose County  
  Selling price of property  
  Mortgage Amount  
  Transfer & Recordation Tax    
  State & County Transfer Tax  
  Title Insurance
  West Virginia TRID calculation
  CFPB Owner's Title Policy Disclosure Calculation
  Basic Owner's Policy (Actual Premium)  
  Simultaneous Loan Policy (Actual Premium)  
  Stand-alone Loan Policy (Actual Premium)  
  CFPB - Owner's Policy Disclosed Amount  
  Title Insurance Premium Adjustment  
  Title Insurance Endorsements
  Arbitration Endorsement  
  Closing Protection Letter  
  Paragraph 11 Endorsement 1  
  ALTA 22-06 Location  
  ALTA 25-06 Same As Survey  
  ALTA 4-06 Condominium  
  ALTA 5-06 Planned Unit Development  
  ALTA 6-06 Variable Rate Mortgage  
  ALTA 8.1-06 Environmental Protection Lien  
  ALTA 9-06 Restrictions, Encroachments, Minerals  
  CLTA 111.9-06 Variable Rate, FNMA 7 Year Balloon  

Can I get a cheaper title insurance rate in West Virginia?

Most title insurance companies offer a reissue rate (40% discount) under certain conditions. Here's one title company's requirement for the discount/reissue rate:

The reissue rate, where applicable, is defined as 60% of the original insurance premium.

The reprint rate is only applicable up to the amount of insurance on the previously issued policy.

The excess amount of insurance, if any, must be calculated using the appropriate bracket charges.

Under the following conditions, reissue rates apply:

1. A purchaser or lessee of real estate from one whose title, as owner, has been insured by any title insurance company within seven (7) years prior to the application for a new owner's or leasehold policy shall be entitled to the reissue rate for owner's title insurance up to the face liability of such former policy.

Prior to the issue of the new owner's policy, a copy of the previous policy must be sent to the new insurer (new issuing agent).

2. An assured who provides a mortgage on the property covered under an owner's or leasehold owner's policy wishes to provide his mortgagee with a title insurance policy.

The premium for the lender's insurance is computed in the manner specified in the preceding specification.

3. No reissue credit will be granted if an examination of title reveals any of the following occurrences since the effective date of the previous policy: bankruptcy, foreclosure, multiple lawsuits or judgments, a gap in title, a conveyance of title in divided interests of less than 1/16, or more than 20 additional easements. 

SOURCE: Rate manual

FREE down payment/closing costs grant for West Virginia home buyers

The assistance grant is a 3 to 1 match. For every dollar that you put into the purchase of the home, the Federal Home Loan Bank of Pittsburgh will grant three dollars. For example, if you pay $1,000 toward the purchase of the home, you would receive $3,000. The maximum grant is $5,000. and here's the best part, you do not have to pay the grant money back! Read more