Market Overview
Home Prices in Flat Top, WV
The median home value in Flat Top, WV is $238,403 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's up 0.3% compared to a year ago and up 6.7% from two years prior.
Compared to the U.S. national median of $410,000, homes in Flat Top are priced42% below average. Flat Top is part of the Bluefield, WV-VA metro area.
Over the past five years, Flat Top home values have risen by approximately35.4%, reflecting strong long-term appreciation in this market.
Price History
Flat Top Home Price Trend
City Comparison
Flat Top vs. National Median
At $238,403, homes in Flat Top cost 42% below the national median of $410,000. This makes Flat Top a relatively affordable market for buyers seeking value.
Affordability
What Does It Cost to Buy in Flat Top?
20% Down Payment
$47,681
on $238,403
Monthly P&I
$1,243/mo
30-yr @ 6.8%
Total Monthly Est.
~$1,579/mo
incl. taxes & insurance
Income Needed
$63,160
gross annual (30% rule)
10% Down Option
$23,840
+ PMI applies
Loan Amount (20% dn)
$190,722
at current rates
Estimates assume a 30-year fixed mortgage at 6.8%. Monthly total includes estimated property taxes and homeowner's insurance. Actual costs vary.
FAQ
Frequently Asked Questions
What is the average home price in Flat Top, WV?
The median home value in Flat Top is $238,403 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's up 0.3% year-over-year.
How much have home prices changed in Flat Top?
Over the past year, home values in Flat Top have increased by 0.3%. Over five years, prices have risen approximately 35.4%.
How much do I need to earn to buy a home in Flat Top?
To comfortably afford the median home price of $238,403 with a 20% down payment ($47,681) at today's rates (6.8%), you'd need a gross annual income of approximately $63,160. This assumes keeping total housing costs at or below 30% of gross income.
How does Flat Top compare to the national average home price?
The national median home value is approximately $410,000. At $238,403, homes in Flat Top are 42% below the national average.
What metro area is Flat Top part of?
Flat Top is part of the Bluefield, WV-VA metropolitan area. Home prices and market conditions can vary across the broader metro region.