West Virginia · Census, HUD and BEA figures · Updated

Cost of Living in Hardy County, WV

Prices around Hardy County, WV run 10.5% below the U.S. average (BEA, West Virginia). The typical household there earns $49,272 a year, and HUD puts a two-bedroom at $932 a month. Keeping that rent under 30% of income takes about $37,280 a year.

Hardy County, WV at a glance

Median household income

$49,272$4,106 per month · U.S. Census Bureau ACS 5-Year
2-bedroom rent$932HUD FY2026 Fair Market Rent
Price level (U.S. = 100)89.5-10.5% · BEA, West Virginia
Electricity15.5¢per kWh · EIA Residential WV
Population14,243Census ACS 5-year estimate

How much rent can you afford in Hardy County, WV?

HUD’s fair market rent for each size, against what a typical household here earns. Change the income to see yours.

Affordable (< 30% of income)
HUD Fair Market Rent$932Monthly market rent
Share of gross income22.7%Recommended max: 30%
Annual income needed$37,280To meet the 30% standard
Max affordable rent$1,232At 30% of $49,272
0%30% (Affordability standard)100%
Compare against:

How much is rent in Hardy County, WV? By bedroom, 2026

HUD's fiscal 2026 Fair Market Rents for Hardy County, WV, with the income each one takes if rent stays under 30% of it.

HUD Fair Market Rent in Hardy County, WV, fiscal 2026
Unit SizeMonthly RentAnnual Rent30% Rule Min. Income% of Median Income
Studio / Efficiency$715$8,580$28,60017.4%
1-Bedroom Apartment$784$9,408$31,36019.1%
2-Bedroom ApartmentBenchmark$932$11,184$37,28022.7%
3-Bedroom Home$1,146$13,752$45,84027.9%
4-Bedroom Home$1,263$15,156$50,52030.8%

Rent in Hardy County, WV, with the wage each unit needs →

What a typical income covers in Hardy County, WV

The 50/30/20 rule applied to the local median of $49,272 a year ($4,106 a month before tax).

Needs (50%)$2,053/moRent ($932 2-BR), utilities (~$139/mo), groceries, transit
Wants (30%)$1,232/moEating out, travel, subscriptions and the rest
Savings and debt (20%)$821/moEmergency fund, retirement, paying down loans

What $49,272 leaves after West Virginia taxes

Federal income tax, Social Security, Medicare and West Virginia tax on the local median income. Change the salary to see yours.

$49,272
$15,000$100,000
Filing status:
Gross salary breakdown$49,272
Net 82%
Fed 8%
WV 3%
FICA 8%
Annual take-home$40,357After all taxes
Monthly deposit$3,363Estimated per month
Biweekly paycheck$1,552Every 2 weeks (26/yr)
Effective tax rate18.1%Total tax burden
Federal income tax$3,733 / yr
West Virginia state income tax$1,413 / yr
FICA (Social Security & Medicare)$3,769 / yr

Living in Hardy County, WV: common questions

What is the median household income in Hardy County, WV?

According to the latest U.S. Census Bureau ACS 5-Year survey, the median household income in Hardy County, WV is $49,272 per year (approximately $4,106 per month).

What is the average rent in Hardy County, WV?

The closest official figure is HUD's Fair Market Rent for 2026: $715 for a studio, $784 for one bedroom, $932 for two, $1,146 for three and $1,263 for four, utilities included.

It is not an average of listings. HUD sets it at the rent 40% of recent movers paid or less for a standard unit, so a new lease on a nicer place will usually cost more.

Is Hardy County, WV expensive to live in?

Prices there run 10.5% below the U.S. average. BEA's regional price parity for West Virginia is 89.5, where the U.S. is 100. Rent moves the number most: housing is where places differ, while goods cost about the same everywhere.

How much do you need to earn to comfortably afford rent in Hardy County, WV?

To keep a $932 two-bedroom under 30% of gross income, a household needs about $37,280 a year, or $3,107 a month. That is 76% of what the typical household in Hardy County, WV earns.

How much do you need to live comfortably in Hardy County, WV?

On the local median income of $49,272 ($4,106 a month before tax), the 50/30/20 rule leaves $2,053 a month for needs like rent, utilities and groceries, $1,232 for everything else and $821 for savings or debt. A two-bedroom at $932 takes 45% of the needs share.

How much is the electric bill in Hardy County, WV?

Homes in West Virginia paid 15.5¢ per kWh on average (EIA). At 900 kWh a month, a typical use, that is about $139. Your bill depends mostly on heating and cooling.