Market Overview
Home Prices in White Oak, WV
The median home value in White Oak, WV is $232,113 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's up 5.7% compared to a year ago and up 6% from two years prior.
Compared to the U.S. national median of $410,000, homes in White Oak are priced43% below average. White Oak is part of the Beckley, WV metro area.
Over the past five years, White Oak home values have risen by approximately39.1%, reflecting strong long-term appreciation in this market.
Price History
White Oak Home Price Trend
City Comparison
White Oak vs. National Median
At $232,113, homes in White Oak cost 43% below the national median of $410,000. This makes White Oak a relatively affordable market for buyers seeking value.
Affordability
What Does It Cost to Buy in White Oak?
20% Down Payment
$46,423
on $232,113
Monthly P&I
$1,211/mo
30-yr @ 6.8%
Total Monthly Est.
~$1,538/mo
incl. taxes & insurance
Income Needed
$61,520
gross annual (30% rule)
10% Down Option
$23,211
+ PMI applies
Loan Amount (20% dn)
$185,690
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 White Oak, WV?
The median home value in White Oak is $232,113 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's up 5.7% year-over-year.
How much have home prices changed in White Oak?
Over the past year, home values in White Oak have increased by 5.7%. Over five years, prices have risen approximately 39.1%.
How much do I need to earn to buy a home in White Oak?
To comfortably afford the median home price of $232,113 with a 20% down payment ($46,423) at today's rates (6.8%), you'd need a gross annual income of approximately $61,520. This assumes keeping total housing costs at or below 30% of gross income.
How does White Oak compare to the national average home price?
The national median home value is approximately $410,000. At $232,113, homes in White Oak are 43% below the national average.
What metro area is White Oak part of?
White Oak is part of the Beckley, WV metropolitan area. Home prices and market conditions can vary across the broader metro region.