Home Living Tips For Homeowners In West Virginia

Each step you take away from the usual hustle and bustle of your daily routine takes you closer to a place of your dreams. Having your dream home in West Virginia brings you amidst the beautiful country roads and a step closer to the heaven. As a homeowner in West Virginia, you will come across an array of unique things that makes this place stand away from the rest.

If you find yourself singing the song “Country Roads Take Me Home” by John Denver, you surely belong to West Virginia. Now that you have bought a home in West Virginia, it is essential for you to understand the fact that taxes play a major role in any county and state’s well being. This is why you need to ascertain the facts and figures for property taxes as you plan to get your very own house in West Virginia.

Property Taxes-The Average Count

If you are a homeowner in West Virginia, you shall be liable to pay taxes according to your eligibility under three different sections.

  • Median Property Tax for each home you own in this state.
  • Percentage income that is represented by your property taxes.
  • Cumulative percentage of your property value as represented by state taxes.

The first, as well as the third metrics, mostly find application for any homeowner in West Virginia. However, the second isn’t available widely.

Market Value

The state generally assesses the property you own at 60 percent of the total market value as applicable for taxes.

Taxing Authorities

This is the mill rate which is then decided on an individual basis by the taxing authorities in the state.

Taxable Value

This means the mill rate for 300 equals to 300 cents for each $100 of the taxable value.

West Virginia follows an effective rate for tax based on the homes occupied by the taxpayer with the median value set at 0.58 per cent.

When you own a home in West Virginia, there are certain things you need to know to sustain a better lifestyle in the state.

Know Where To File A Complaint

If you ever find the federal law prohibiting you from owning a house in West Virginia about discrimination that is based on family status, sex, religion, colour, race, national origin, or even disability, you can file a complaint against the wrongdoer by contacting the government authorities. If you are in the process of purchasing a home in West Virginia but feel like your basic rights aren’t being provided to you, you can easily file a complaint against the person or authority responsible for this discrimination.

Put proper and robust locks on the doors with peepholes installed in all the doors so you can make sure you can see anyone visiting your home. Also, make sure you install a peephole in the lower part of the door. This will ensure that the short heighted people along with children can see better through the peephole without having to struggle. This could also be efficient for your family members who use a wheelchair.

Some Other Home Living Tips For Homeowners

  • Know Thy Neighbors:

When living in West Virginia, it would be a great practice to get to know your neighbors. People living in West Virginia are mostly friendly with the sense of a community living. This is why you should take out some time and get to know your neighbors. In case you are leaving your children behind for some urgent work or leaving your home for a few days with many valuables inside, you can always seek the help of your neighbor to look after the house while you are gone.

  • Install Smoke Detectors:

You never know when even the smallest and most negligible mistake committed by you can turn out to be a fire hazard in the house you paid for with your hard earnings. Make sure you tackle any emergency situation even before it takes hold of your house by installing the smoke detectors at various places in the house and especially the Kitchen. This will help you detect a fire hazard even before it takes hold of your precious house. Make sure you get them tested once every year to ensure that everything is working fine.

  • Post stickers of emergency contacts at various places:

Make sure you place any kind of emergency contact details near places of relevance such as bedroom, telephone table, fridge door, study room, etc. This allows you to get access to an official service for help when in an emergency.

  • Number Your House:

Make sure you paint in your house number enough in bright colors for the emergency responders to find you without much struggle. This will also help the logistics companies and courier services to find your home in case you have a parcel arriving for you.

  • Plan a house with attic:

Make sure you get a house with an attic. West Virginia being a mountainous region is beyond the reach of heavy cyclones or extremes of temperature, but it can be prone to flooding especially in the low-lying areas. So make sure you plan for any emergency situation with an attic planned for your house to help you reach a height away from the flood water.

  • Get acquainted with main cutoffs:

Whether it is for electricity, gas, or water, make sure you know where all the cut off points for these amenities are located in your house to help you cut down the supply when necessary.

  • Keep Important papers intact:

Make sure you keep all your important documentation in a place which is free from fire, water, or damp climate. Most of all make sure it is accessible anytime you want.

  • Plan insurance for the house:

With so much saved on taxes at West Virginia for homeowners which are way below as compared to other states, you can easily invest the savings on other important aspects such as insurance for your house to make sure you don’t have to take the headache of any unwanted damages to the house.

  • Know about “Section 8 Housing Choice Voucher Program”:

This particular scheme or program is a major inclusion that allows people to afford a decent house in a safe locality with sanitary housing facilities if you come under the following categories:

  • Families with low-income.
  • Individuals who suffer from a recognizable disability.

Eligibility under this section is determined by scrutiny of local PHA (Public Housing Authority) which is based upon the following elements:

  • S. Citizenship.
  • Size of your family.
  • Your cumulative yearly income.

If your application is eligible for this facility, you will be helped in terms of availability. If there is a long waiting list, your name shall be added to this list and will be called when the waiting period is over.