Taxes & Insurance in Shepherdstown
Shepherdstown applies West Virginia's real 2026 tax structure alongside a real, disclosed dual-county property tax picture and 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 Shepherdstown as statewide, alongside a full 100% Social Security exemption for tax year 2026 (base record).
A real, disclosed dual-county property tax picture
Shepherdstown straddles the Jefferson/Berkeley County line: Ownwell cites a 0.70% effective rate for the Jefferson County side and 0.74% for the Berkeley County side -- both near WV's statewide median (base record).
A real, disclosed methodology variance
A separate source cites a different statewide average of 0.54% (~$1,998 median annual bill) -- a real, disclosed cross-source variance this record does not force to one number (base record).
A real, disclosed gap in insurance data
No Shepherdstown-specific homeowners-insurance premium figure was found this pass -- this record discloses WV's statewide context instead: 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 Shepherdstown as statewide.
- Shepherdstown's property tax splits by county: 0.70% (Jefferson side) vs. 0.74% (Berkeley side).
- West Virginia's Social Security exemption reaches a full 100% for tax year 2026.
- No Shepherdstown-specific homeowners-insurance premium figure was found this pass -- a real, disclosed gap.
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