Taxes & Insurance in Charles Town
Charles Town applies West Virginia's real 2026 tax structure alongside a property tax rate essentially at parity with the statewide median and disclosed statewide insurance context.
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Learn moreWest Virginia's real 2026 income tax rate
West Virginia's individual income tax runs a real, current 5-step graduated structure from 2.11% to a 4.58% top rate on income above $60,000, applying in Charles Town as statewide, alongside a full 100% Social Security exemption for tax year 2026 (base record).
Charles Town's property tax rate runs near the WV median
Ownwell cites Charles Town's median effective property tax rate at 0.70%, essentially at parity with the WV statewide median (~0.71%) cited by the same source, below the national median (~1.02%) (base record).
A real, disclosed methodology variance
This project's own WV state record separately anchors a lower 0.51% statewide property tax figure via a different (SmartAsset) methodology -- a real, disclosed cross-source variance this record does not force to one number (base record).
A real, disclosed gap in insurance data
No Charles Town-specific homeowners-insurance premium figure was found this pass -- this record discloses WV's statewide context instead: a real average spread of approximately $1,528-$2,465/year, below the national range (base record).
Key takeaways
- West Virginia's top income tax rate is a real, current 4.58% (2026), applying in Charles Town as statewide.
- Charles Town's property tax rate (0.70%) runs essentially at parity with the WV statewide median.
- West Virginia's Social Security exemption reaches a full 100% for tax year 2026.
- No Charles Town-specific homeowners-insurance premium figure was found this pass -- a real, disclosed gap.
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