Best Cities for Veterans in West Virginia 2025: Cost of Living & Benefits
Honest rankings of the best West Virginia cities for veterans including Charleston, Morgantown, Martinsburg, Huntington, Parkersburg, and Wheeling with median home prices, veteran population, proximity to VA facilities, employment opportunities, and realistic pros and cons for each location.
Bottom Line Up Front
West Virginia offers some of the nation's most affordable housing for veterans, but economic challenges and limited job markets require realistic expectations. Morgantown ranks #1 overall with the strongest economy (WVU, healthcare, tech), excellent VA access, and vibrant community despite higher housing costs ($267,000 median). Charleston (#2) provides state capital employment and affordability ($200,000 median) with major VA clinic access. Martinsburg (#3) combines DC-area job opportunities with WV cost of living but has highest property values ($285,000 median). Huntington, Parkersburg, and Wheeling offer ultra-affordable housing ($88,000-$157,000) but face population decline and limited career growth. All six cities have VA facility access, and 100% disabled veterans pay $0 property taxes regardless of home value. Best choice depends on your priorities: career growth (Morgantown), affordability (Parkersburg/Wheeling), or balance (Charleston).
How We Ranked These Cities
This isn't a feel-good list. We're ranking West Virginia cities based on what actually matters to veterans transitioning to civilian life:
Weighted Factors:
- Employment opportunities (30%): Job availability, major employers, average wages, unemployment rates, growth industries
- VA healthcare access (20%): Distance to VA Medical Center or major clinic, services available, wait times
- Cost of living (20%): Median home price, rent, property taxes, overall expenses
- Veteran community (15%): Veteran population, VSOs (VFW, American Legion), support networks
- Quality of life (15%): Education, crime rates, recreation, amenities, population trends
What we're NOT doing:
- Sugarcoating economic challenges
- Hiding population decline issues
- Pretending every city is perfect
- Ignoring the coal industry transition impacts
West Virginia is genuinely affordable, but limited job opportunities in many areas create real challenges. We'll be honest about both pros and cons.
#1: Morgantown - College Town with Best Economy
Final Score: 87/100
Monongalia County Population: 30,347 (city), 105,822 (county) Veteran Population: 932 (city), ~8,000 (county) Median Home Price: $267,000 Median Rent: $1,100-1,300/month (higher due to student demand) Unemployment Rate: 3.2% (2024)
Why Morgantown Ranks #1
Morgantown is West Virginia's economic engine and offers the strongest job market, healthcare infrastructure, and growth potential in the state. The presence of West Virginia University (40,000 students, 6,100 employees) creates economic stability absent in most WV cities.
VA Healthcare Access
Monongalia County VA Clinic
- Address: 40 Commerce Drive, Suite 101, Westover, WV 26501
- Phone: 304-599-4800
- Distance from downtown: 3 miles
- Services: Primary care, mental health, laboratory, radiology
Louis A. Johnson VA Medical Center (Clarksburg)
- Distance: 38 miles (45 minutes)
- Full-service medical center with all specialties, surgery, inpatient care
Morgantown veterans have excellent access with local clinic for routine care and nearby full medical center for specialty services.
Employment Landscape
Major Employers:
- West Virginia University: 6,100 employees (education, research, administration)
- WVU Medicine: 21,700 employees statewide, with major facilities in Morgantown including Ruby Memorial Hospital
- Mylan Pharmaceuticals (Viatris): Major pharmaceutical headquarters and manufacturing
- Mon Health Medical Center: ~4,000 employees
- Federal Bureau of Investigation (FBI): Criminal Justice Information Services Division (CJIS) - major federal employer
- National Energy Technology Laboratory: Department of Energy research facility
Unemployment: 3.2% (lowest among major WV cities)
Industries with Veteran Opportunities:
- Healthcare (nurses, technicians, administrators)
- Higher education (faculty, police, facilities, IT)
- Pharmaceuticals (quality control, manufacturing, engineering)
- Information technology (cybersecurity, software development)
- Federal government (FBI CJIS complex employs thousands)
- Research and development
Average Salaries (Morgantown):
- Registered Nurse: $68,000-78,000
- IT Professional: $70,000-90,000
- Federal Employee (GS-11): $70,000-80,000
- Pharmaceutical Technician: $55,000-70,000
- University Staff: $45,000-65,000
Housing Market
Median Home Price: $267,000 (highest in WV, but reasonable nationally) Property Tax: 0.49% effective rate = $785/year on median home For 100% disabled veterans: $0 property tax (full exemption)
Neighborhoods to Consider:
Suncrest (North):
- Median price: $300,000-350,000
- Newer construction, family-friendly
- Good schools
- 10-15 minutes to VA clinic
Sabraton/Star City:
- Median price: $220,000-270,000
- Closer to VA clinic and medical facilities
- Mix of homes and townhouses
- Near interstate access
South Park:
- Median price: $180,000-230,000
- Established neighborhoods
- More affordable option
- 15 minutes to downtown
Rent Comparison:
- 1-bedroom apartment: $900-1,100
- 2-bedroom apartment: $1,100-1,400
- 3-bedroom house: $1,300-1,800
Note: Student rental demand inflates prices. Look for family-oriented neighborhoods away from campus for better deals.
Education
Public Schools: Monongalia County schools rank among WV's best Higher Education:
- WVU (in-state tuition for veterans regardless of origin)
- WVU Potomac State (Keyser) - 2-year programs
Veteran Community
Veteran Organizations:
- VFW Post 9916 (Morgantown)
- American Legion Post 2 and Post 164
- Student Veterans of America chapter at WVU (one of WV's largest)
- WVU Center for Veteran, Military and Family Programs (excellent support)
Veteran Population: 932 city veterans seems low, but county has ~8,000 veterans, creating strong community.
Quality of Life
Pros:
- Vibrant downtown with restaurants, arts, entertainment
- Outdoor recreation: Cheat Lake, Coopers Rock State Forest, rail trails
- Division I college sports (WVU football, basketball)
- Low crime rate compared to state average
- Growing population (rare in WV)
- Cultural diversity (university community)
Cons:
- Traffic congestion (especially football Saturdays)
- Higher cost of living than rest of WV
- Limited airport (Pittsburgh airport 75 miles away)
- Student-dominated areas can be noisy
- Housing market competitive
The Honest Truth About Morgantown
Best for: Veterans prioritizing career growth, families wanting good schools, those with healthcare careers, younger veterans comfortable in college town environment, tech-focused veterans.
Not ideal for: Veterans seeking ultra-low cost of living, those who dislike college town atmosphere, retirees on fixed income preferring quiet small-town life.
Bottom line: Morgantown is West Virginia's best economic bet. You'll pay more for housing, but you get job opportunities, excellent healthcare, strong schools, and stability. If you're building a post-military career, this is your best WV option.
#2: Charleston - State Capital with Government Jobs
Final Score: 82/100
Kanawha County Population: 48,018 (city), 179,139 (county) Veteran Population: 2,196 (city) Median Home Price: $200,000 Median Rent: $900-1,100/month Unemployment Rate: 4.0% (2024)
Why Charleston Ranks #2
As West Virginia's capital and largest city, Charleston offers the most diverse economy in the state. State government employment provides stability, and healthcare systems are expanding. Charleston balances job opportunities with reasonable cost of living.
VA Healthcare Access
Charleston VA Clinic (South Charleston)
- Address: 700 Technology Drive, South Charleston, WV 25309
- Phone: 304-781-3300
- Distance from downtown: 8 miles
- Services: Primary care, mental health, podiatry, audiology, laboratory, radiology, pharmacy
- This is WV's largest VA clinic with near-comprehensive services
Hershel "Woody" Williams VA Medical Center (Huntington)
- Distance: 52 miles (1 hour)
- Full-service medical center for specialty care and surgery
Beckley VA Medical Center
- Distance: 57 miles (1 hour 10 minutes)
- Alternative for southern county residents
Charleston veterans have exceptional VA access with the state's largest clinic providing extensive services locally.
Employment Landscape
Major Employers:
- State of West Virginia: 153,700 employees statewide, with highest concentration in Charleston (legislature, agencies, courts)
- Charleston Area Medical Center (CAMC): 8,000 employees - major healthcare system
- WVU Medicine - Charleston: Growing presence
- BrickStreet Insurance: ~600 employees
- Thomas Health: ~1,800 employees
- West Virginia American Water: Regional headquarters
- Dow Chemical: Chemical manufacturing (South Charleston)
- Toyota Engine Plant (Buffalo): 1,800 employees, 40 miles from Charleston
Unemployment: 4.0%
Industries with Veteran Opportunities:
- State government (veteran hiring preference)
- Healthcare (multiple hospital systems competing for talent)
- Insurance and financial services
- Legal services (state court system)
- Chemical manufacturing
- Education (K-12 and higher ed)
- Federal agencies (Social Security Administration, FBI, others)
Average Salaries (Charleston):
- State Employee (mid-level): $45,000-60,000
- Registered Nurse: $62,000-75,000
- Law Enforcement (State Police): $50,000-65,000
- Healthcare Administrator: $70,000-90,000
- Chemical Plant Operator: $55,000-75,000
Housing Market
Median Home Price: $200,000 Property Tax: 0.69% effective rate = $775/year on median home For 100% disabled veterans: $0 property tax
Neighborhoods to Consider:
Kanawha City (Southeast):
- Median price: $180,000-240,000
- Established neighborhoods with character
- 10 minutes to Charleston VA Clinic
- Good schools
Teays Valley (Hurricane area, Putnam County):
- Median price: $220,000-280,000
- Fastest-growing area near Charleston
- New construction available
- 20 minutes to downtown Charleston
- Family-friendly, excellent schools
South Charleston:
- Median price: $160,000-200,000
- Adjacent to VA clinic (walk/bike distance possible)
- Mix of housing types
- More affordable than Charleston proper
Nitro:
- Median price: $140,000-180,000
- Budget-friendly option
- 15 minutes to Charleston
- Small-town feel
Rent Comparison:
- 1-bedroom apartment: $750-950
- 2-bedroom apartment: $900-1,100
- 3-bedroom house: $1,100-1,400
Education
Public Schools: Kanawha County schools are adequate; Putnam County (Teays Valley area) ranks better Higher Education:
- University of Charleston (private, GI Bill accepted)
- WVU Tech (Charleston campus)
- BridgeValley Community & Technical College
Veteran Community
Veteran Organizations:
- VFW Post 1064 (Charleston)
- VFW Post 6450 (South Charleston)
- American Legion Post 20
- American Legion Post 73
- DAV Chapter 7
- Charleston Vet Center: 512 Washington Street West, Charleston, WV 25302 (304-343-3825)
Strong veteran presence with multiple active VSO posts.
Quality of Life
Pros:
- State capital brings cultural amenities (museums, theater, symphony)
- Downtown revitalization with restaurants and entertainment
- Kanawha River recreational opportunities
- Professional minor league baseball (Charleston Dirty Birds)
- Regional airport (Yeager Airport) with direct flights
- Four distinct seasons
- Central location (2.5 hours to Pittsburgh, Columbus, Lexington)
Cons:
- City population declining (down from 85,000+ historically)
- Some neighborhoods struggling with economic decline
- Flood history (2016 flood caused significant damage)
- Air quality issues (chemical valley)
- Property crime rates above national average
- Aging infrastructure in older neighborhoods
The Honest Truth About Charleston
Best for: Veterans seeking state government employment (with hiring preference), healthcare professionals, those wanting capital city amenities at affordable prices, veterans preferring larger city with services.
Not ideal for: Those seeking cutting-edge job markets, veterans uncomfortable with urban challenges, those prioritizing outdoor recreation over city amenities.
Bottom line: Charleston offers the best balance of employment stability (state government), healthcare access (largest VA clinic), and reasonable cost of living. It's not booming like Morgantown, but it's stable. State employment with veteran preference makes this an excellent landing spot for many veterans.
#3: Martinsburg - Eastern Panhandle Gateway
Final Score: 78/100
Berkeley County Population: 20,777 (city), 122,076 (county) Veteran Population: Significant (exact city data unavailable) Median Home Price: $285,000 (highest in WV) Median Rent: $1,212/month Unemployment Rate: 3.8% (2024)
Why Martinsburg Ranks #3
Martinsburg's location in the Eastern Panhandle creates unique advantages: commuting distance to Washington DC/Baltimore metro area (90 minutes), proximity to Virginia and Maryland job markets, while maintaining West Virginia cost of living and taxes. This is West Virginia's fastest-growing region.
VA Healthcare Access
Martinsburg VA Medical Center
- Address: 510 Butler Avenue, Martinsburg, WV 25405
- Phone: 304-263-0811 / 800-817-3807
- Distance from city center: 2 miles
- Services: Full-service medical center - inpatient care, ICU, surgery, all specialties, emergency care 24/7, mental health, domiciliary program, dialysis, and more
This is WV's largest and most comprehensive VA facility. Martinsburg veterans have the state's best VA healthcare access, period.
Employment Landscape
Unique Advantage: Many Martinsburg/Berkeley County residents commute to DC/Baltimore metro area for significantly higher salaries while living in WV with lower housing costs and taxes.
Major Local Employers:
- Martinsburg VA Medical Center: ~2,000 employees (major employer)
- Berkeley County Schools: ~1,800 employees
- Quad Graphics: Large printing facility
- Macy's Distribution Center: Major logistics operation
- Procter & Gamble: Manufacturing
- Berkeley Medical Center (WVU Medicine): Healthcare
DC Metro Commuters: Federal agencies in DC/Northern VA hire extensively. Typical commute: 90 minutes each way to DC, 60-75 minutes to Dulles/Tyson's Corner area.
Industries with Veteran Opportunities:
- Federal government (commute to DC)
- Defense contractors (commute to Northern VA)
- Healthcare (local VA and hospital)
- Logistics/distribution (several major facilities)
- Manufacturing
- Education
Average Salaries:
- Federal GS-12 employee: $86,000-112,000 (DC area locality pay)
- Defense contractor: $75,000-110,000 (Northern VA)
- Local RN: $62,000-72,000
- VA Medical Center employee: $50,000-80,000 depending on role
The DC commute trade-off:
- Pros: Earn DC-area salaries ($20,000-40,000 more than WV jobs), advance career, federal retirement
- Cons: 3+ hours daily commuting, vehicle wear, fuel costs ($400-600/month), burnout risk
Housing Market
Median Home Price: $285,000 (highest in WV, still 40% below DC/NoVA) Property Tax: ~$1,294/year median (among highest in WV, but fraction of VA/MD) For 100% disabled veterans: $0 property tax
Why housing costs more: DC/Baltimore commuters drive up demand. You're competing with dual-income families earning metro-area salaries.
Neighborhoods to Consider:
Inwood (North Berkeley County):
- Median price: $300,000-350,000
- New construction
- Family-friendly
- Good schools
- 15 minutes to Martinsburg
Falling Waters:
- Median price: $270,000-320,000
- Near I-81
- Commuter-friendly
- Growing area
Martinsburg City:
- Median price: $200,000-250,000
- More affordable
- Closer to VA Medical Center
- Older housing stock
Hedgesville:
- Median price: $260,000-310,000
- Rural feel
- Strong school district
Rent Comparison:
- 1-bedroom: $900-1,100
- 2-bedroom: $1,100-1,400
- 3-bedroom house: $1,400-1,800
Education
Public Schools: Berkeley County schools are solid and improving with population growth Higher Education:
- Blue Ridge Community & Technical College (Martinsburg) - GI Bill accepted, veteran services
Veteran Community
Veteran Organizations:
- VFW Post 9666 (Martinsburg)
- American Legion Post 14
- Martinsburg Vet Center: 900 Winchester Avenue, Martinsburg, WV 25401 (304-263-6776)
- Strong veteran presence due to VA Medical Center and proximity to military installations (Fort Detrick MD 30 miles away)
Quality of Life
Pros:
- Access to DC/Baltimore metro area culture, sports, dining (weekend trips)
- Proximity to Harpers Ferry National Historical Park
- Appalachian Trail access (30 minutes)
- Fast population growth (jobs, investment, new businesses)
- Excellent VA healthcare on-site
- Antietam National Battlefield (20 minutes)
- Lower taxes than VA/MD neighbors
Cons:
- Highest housing costs in WV (though still affordable nationally)
- Traffic congestion increasing with growth
- Losing small-town character
- Commute to DC is brutal (3+ hours/day)
- Property taxes higher than rest of WV
- Crime rates higher than rural WV areas
The Honest Truth About Martinsburg
Best for: Veterans willing to commute to DC area for high-salary federal/contractor jobs, those wanting WV cost of living with access to metro amenities, veterans who value best-in-state VA healthcare, those with skills marketable in DC area (IT, intelligence, defense, federal).
Not ideal for: Veterans seeking small-town WV experience, those unwilling to commute long distances, retirees on fixed income bothered by higher housing costs, those seeking local job market (local salaries are typical WV rates).
Bottom line: Martinsburg is West Virginia's "best of both worlds" option IF you're willing to commute or have remote work. You access DC-area salaries and opportunities while living in WV with lower costs and full state tax benefits. The trade-off is expense and growth pressures. If you're a federal employee or defense contractor, this is your top choice in WV.
#4: Huntington - Healthcare Hub with Affordability
Final Score: 72/100
Cabell County Population: 45,325 (city), 93,073 (county) Veteran Population: 2,320 (city) Median Home Price: $157,000 (metro area) Median Rent: $750-900/month Unemployment Rate: 4.5% (2024)
Why Huntington Ranks #4
Huntington combines genuinely affordable housing with strong healthcare infrastructure (Marshall University, multiple hospitals, VA Medical Center) and proximity to Kentucky and Ohio job markets. However, population decline and limited non-healthcare career paths create challenges.
VA Healthcare Access
Hershel "Woody" Williams VA Medical Center
- Address: 1540 Spring Valley Drive, Huntington, WV 25704
- Phone: 304-429-6741 / 800-827-8244
- Distance from downtown: 4 miles
- Services: Full-service medical center - all specialties, inpatient care, ICU, surgery, mental health, dialysis, cardiology (cath lab), oncology, emergency 24/7
Excellent VA access with full medical center providing comprehensive care.
Huntington Vet Center:
- Address: 3135 16th Street Road, Suite 11, Huntington, WV 25701
- Phone: 304-523-8387
Employment Landscape
Major Employers:
- Cabell Huntington Hospital: ~3,500 employees
- Marshall University: ~2,000 employees
- St. Mary's Medical Center: ~2,200 employees
- Hershel "Woody" Williams VA Medical Center: ~1,500 employees
- Amazon Fulfillment Center (Huntington area): 1,000+ employees
- CSX Transportation: Rail operations
Unemployment: 4.5%
The Reality: Huntington's economy is healthcare-dominated. If you're not in healthcare, options narrow significantly. Manufacturing jobs declined, retail/service sector is primary alternative.
Industries with Veteran Opportunities:
- Healthcare (nurses, technicians, administrative)
- Higher education (Marshall University)
- VA Medical Center employment
- Logistics (Amazon, CSX)
- Retail/service
- Limited manufacturing
Average Salaries (Huntington):
- Registered Nurse: $58,000-70,000 (lower than Morgantown/Charleston)
- VA Medical Center employee: $45,000-75,000
- Marshall University staff: $40,000-55,000
- Amazon warehouse: $35,000-45,000
- Retail/service: $25,000-35,000
Honest assessment: Wages are lower than northern WV, reflecting weaker economy.
Housing Market
Median Home Price: $157,000 (metro), as low as $80,000-100,000 in some areas Property Tax: 0.58% effective rate = $546/year on median home For 100% disabled veterans: $0 property tax
This is genuinely affordable housing. You can buy a decent 3-bedroom home for under $150,000.
Neighborhoods to Consider:
West Huntington:
- Median price: $120,000-180,000
- Near Marshall University
- Mix of historic homes
- Walkable areas
Westmoreland:
- Median price: $100,000-150,000
- Affordable
- Family neighborhoods
- 10 minutes to VA
Barboursville (adjacent suburb):
- Median price: $180,000-220,000
- Newer homes
- Good schools
- Growing area
South Hills:
- Median price: $200,000-280,000
- Higher-end Huntington
- Established neighborhood
- Near Ritter Park
Rent Comparison:
- 1-bedroom: $600-800
- 2-bedroom: $750-900
- 3-bedroom house: $900-1,200
Education
Public Schools: Cabell County schools are adequate; some rural districts struggle Higher Education:
- Marshall University (in-state tuition for veterans, Yellow Ribbon program)
- Mountwest Community & Technical College
Veteran Community
Veteran Organizations:
- Multiple VFW and American Legion posts
- Strong Marshall University veteran student community
- Huntington Vet Center provides counseling
Veteran population of 2,320 creates solid community.
Quality of Life
Pros:
- Extremely affordable housing (best value in major WV cities)
- Low property taxes (and $0 for 100% disabled)
- Marshall University brings cultural events, sports
- Ritter Park (beautiful urban park)
- Proximity to Kentucky (Ashland) and Ohio (Portsmouth)
- Easy access to three states for job search
- Historic neighborhoods with character
Cons:
- Population decline (down from 86,000 in 1950s)
- High poverty rate (27%, one of WV's highest)
- Drug addiction crisis (Huntington was epicenter of opioid epidemic)
- Limited career opportunities outside healthcare
- Brain drain (young people leave for opportunities)
- Struggling downtown (revitalization efforts ongoing but slow)
- Flooding risk (on Ohio River)
- Higher crime rates than state average
The Honest Truth About Huntington
Best for: Veterans in healthcare fields, retirees on fixed income prioritizing ultra-low cost of living, those comfortable in small city with affordable lifestyle, veterans using VA Medical Center employment + property tax exemption to maximize savings.
Not ideal for: Veterans seeking career growth, those in non-healthcare fields with ambitions beyond entry-level work, families prioritizing top-tier schools, veterans bothered by economic distress indicators.
Bottom line: Huntington is the definition of "affordable but struggling." If you're a 100% disabled veteran with healthcare background, you can buy a nice home for $150,000, pay $0 property tax, work at the VA Medical Center or hospital system, and live very comfortably. If you're trying to build a career in tech, business, or skilled trades, you'll struggle.
#5: Parkersburg - Rust Belt Affordability
Final Score: 66/100
Wood County Population: 29,749 (city), 84,296 (county) Veteran Population: 2,200 (city) Median Home Price: $113,900 (city), as low as $88,000 in some areas Median Rent: $650-850/month Unemployment Rate: 5.1% (2024)
Why Parkersburg Ranks #5
Parkersburg offers West Virginia's most affordable housing among cities with basic amenities, but faces significant economic challenges from manufacturing decline. This is classic Rust Belt America: cheap homes, limited opportunities.
VA Healthcare Access
Wood County VA Clinic (Parkersburg)
- Address: 2311 Ohio Avenue, Suite A, Parkersburg, WV 26101
- Phone: 304-422-5114
- Distance from downtown: 3 miles
- Services: Primary care, mental health, podiatry, laboratory
Louis A. Johnson VA Medical Center (Clarksburg)
- Distance: 38 miles (45 minutes)
- Full-service medical center for specialty care
Adequate VA access with local clinic and reasonable distance to medical center.
Employment Landscape
Major Employers:
- Camden Clark Medical Center (WVU Medicine): ~1,700 employees
- Walmart Distribution Center: ~1,000 employees
- Wood County Schools: ~1,200 employees
- DuPont Washington Works: Declining employment (chemical manufacturing downsizing)
- Kmart Distribution (closed): Former major employer, facility vacant
- Various retail and service employers
Unemployment: 5.1% (highest among ranked cities)
The Reality: Parkersburg's chemical manufacturing base has contracted dramatically. DuPont layoffs and plant closures eliminated thousands of high-paying jobs. The economy never recovered.
Industries with Veteran Opportunities:
- Healthcare (limited to one hospital system)
- Retail/distribution
- Education
- Limited manufacturing
- Service sector
Average Salaries (Parkersburg):
- RN: $55,000-65,000
- Manufacturing: $40,000-55,000 (few positions available)
- Retail: $25,000-35,000
- Teacher: $42,000-50,000
Honest assessment: This is one of WV's weakest job markets.
Housing Market
Median Home Price: $113,900 (many homes available for $80,000-90,000) Property Tax: 0.55% effective rate = $376/year on median home For 100% disabled veterans: $0 property tax
This is extraordinarily cheap housing. You can buy a 3-bedroom home in decent condition for under $100,000 throughout the city.
Neighborhoods to Consider:
South Parkersburg:
- Price range: $90,000-130,000
- Established neighborhoods
- Near amenities
Vienna (adjacent suburb):
- Price range: $130,000-180,000
- Better-maintained
- Slightly higher property values
- Preferred by families
North End:
- Price range: $70,000-110,000
- Most affordable
- Older housing stock
- Some areas declining
Rent Comparison:
- 1-bedroom: $550-700
- 2-bedroom: $650-850
- 3-bedroom house: $800-1,100
Education
Public Schools: Wood County schools adequate but not outstanding Higher Education:
- West Virginia University at Parkersburg (WVU-P) - 2-year and 4-year programs, GI Bill accepted
Veteran Community
Veteran Organizations:
- VFW Post 1212 (Parkersburg)
- American Legion posts
- Veteran population of 2,200 creates community presence
Quality of Life
Pros:
- Cheapest housing among cities with amenities
- Low property taxes ($0 for disabled veterans)
- Low cost of living overall
- Ohio River recreational access
- Point Pleasant (TNT area) recreation nearby
- Easy access to Ohio (30 minutes to Marietta, Athens)
- Quiet, low-stress environment
Cons:
- Population declining (down from 44,000+ in 1960s)
- Visible economic distress (vacant storefronts, closed factories)
- Very limited career opportunities
- Downtown struggling
- Brain drain (young people leave)
- Drug addiction challenges
- Few cultural amenities
- Aging infrastructure
- Food/retail options limited
The Honest Truth About Parkersburg
Best for: Retirees on fixed income seeking absolute lowest cost of living, 100% disabled veterans prioritizing affordability over career, remote workers with income from elsewhere, veterans comfortable in economically distressed small city.
Not ideal for: Anyone seeking employment (unless already have job secured), families wanting strong schools and opportunities for children, veterans under 50 looking to build careers, those requiring urban amenities.
Bottom line: Parkersburg is cheap for a reason. If you have income from military retirement, VA disability, remote work, or don't need local employment, you can live extremely well on modest income. If you need a job, you'll struggle. This is a retirement destination, not a career-building location.
#6: Wheeling - Ohio Valley Historic City
Final Score: 64/100
Ohio County Population: 26,771 (city), 40,452 (county) Veteran Population: 1,537 (city) Median Home Price: $93,000 (among state's lowest) Median Rent: $612-900/month Unemployment Rate: 5.0% (2024)
Why Wheeling Ranks #6
Wheeling offers the absolute lowest housing costs among cities with services, combined with historic character and proximity to Pittsburgh. However, severe population decline (from 61,000 in 1940 to 26,000 today) reflects deep economic challenges.
VA Healthcare Access
No VA facility in Wheeling directly. Veterans must travel:
Louis A. Johnson VA Medical Center (Clarksburg)
- Distance: 75 miles (1 hour 30 minutes)
- Full-service medical center
Pittsburgh VA facilities:
- Distance: 60 miles (1 hour 15 minutes to Pittsburgh)
- May be easier access for many Wheeling veterans
This is the weakest VA access among ranked cities.
Employment Landscape
Major Employers:
- Wheeling Hospital (WVU Medicine): ~1,400 employees
- Ohio County Schools: ~600 employees
- Wheeling Jesuit University (now closed): Former employer, now vacant
- Various retail employers: Walmart, Kroger, etc.
- Gaming industry: Wheeling Island Hotel-Casino-Racetrack
Unemployment: 5.0%
The Reality: Wheeling's steel industry collapsed decades ago. The economy never replaced those jobs. Population has declined 57% from peak.
Some Wheeling residents commute to Pittsburgh (60 miles) for employment, similar to Martinsburg's DC commute strategy but with lower salary differential.
Industries with Veteran Opportunities:
- Healthcare (one hospital system)
- Education (limited)
- Gaming/hospitality
- Retail
- Very limited manufacturing
Average Salaries (Wheeling):
- RN: $54,000-64,000
- Casino employee: $30,000-45,000
- Retail: $24,000-32,000
- Teacher: $40,000-48,000
Housing Market
Median Home Price: $93,000 (absolute rock bottom) Property Tax: 0.89% effective rate = $758/year (highest rate in WV, but on such cheap homes it's still low) For 100% disabled veterans: $0 property tax
You can buy a house for less than a new car. Homes regularly list for $60,000-80,000.
Neighborhoods to Consider:
Woodsdale:
- Price range: $150,000-220,000
- Wheeling's "nice" neighborhood
- Well-maintained homes
Elm Grove:
- Price range: $100,000-160,000
- Suburban area
- Better schools
Center Wheeling:
- Price range: $50,000-90,000
- Historic Victorian homes
- Many need renovation
- Downtown proximity
Wheeling Island:
- Price range: $60,000-110,000
- Unique island location
- Mixed conditions
Rent Comparison:
- 1-bedroom: $500-700
- 2-bedroom: $600-850
- 3-bedroom house: $750-1,000
Education
Public Schools: Ohio County schools struggle compared to state averages Higher Education:
- West Virginia Northern Community College (GI Bill accepted)
- Wheeling University (formerly Wheeling Jesuit) - uncertain future
Veteran Community
Veteran Organizations:
- VFW Post 618 (Wheeling)
- American Legion posts
- Smaller veteran population (1,537) but strong camaraderie
Quality of Life
Pros:
- Absolute cheapest housing in WV cities
- Historic architecture (Victorian mansions, if you're handy with renovations)
- Ohio River waterfront
- Proximity to Pittsburgh (culture, airport, sports)
- Oglebay Resort & Conference Center (year-round recreation, Festival of Lights)
- Low cost of living overall
- Quiet, slow-paced lifestyle
Cons:
- Severe population decline (ongoing exodus)
- Extremely limited employment
- Visible urban decay (many vacant buildings)
- Struggling downtown
- Poor school performance
- Brain drain
- No VA facility (75-minute drive to Clarksburg)
- Highest property tax rate in WV (0.89%)
- Drug addiction challenges
- Aging population
The Honest Truth About Wheeling
Best for: Retirees with income from elsewhere seeking absolute lowest cost, handy veterans willing to renovate historic homes, remote workers, Pittsburgh commuters willing to trade distance for cheap housing, veterans not needing VA services frequently.
Not ideal for: Anyone needing local employment, veterans requiring regular VA care, families with children (schools struggle), career-builders, those bothered by visible decline.
Bottom line: Wheeling is the extreme affordability option. If you have income from military retirement + disability and don't need local employment, you can buy a home for $80,000 and live on very little. The trade-off is economic distress all around you, poor VA access, and limited opportunities. This works for a specific profile: fixed income retiree who values cheapness above all else.
Honorable Mentions: Smaller Cities Worth Considering
Beckley (Raleigh County)
Population: 17,286 Median Home Price: $150,000 VA Access: Beckley VA Medical Center (full service) IN TOWN
Pros: Full VA Medical Center right in town, affordable housing, southern WV outdoor recreation (New River Gorge National Park 20 minutes)
Cons: Coal industry decline impacts economy, population declining, limited job market, remote location
Best for: Veterans prioritizing VA healthcare access and outdoor recreation over career growth.
Clarksburg (Harrison County)
Population: 15,743 Median Home Price: $130,000 VA Access: Louis A. Johnson VA Medical Center (full service) IN TOWN
Pros: Full VA Medical Center, WV Veterans Nursing Facility, very affordable, central location
Cons: Small population, limited employment, declining economically
Best for: Elderly veterans or those needing nursing care (state veterans home on VA campus).
Cost of Living Comparison: All Six Cities
| City | Median Home | Property Tax (Median Home) | Disabled Vet Tax | 1-BR Rent | Grocery Index | Overall COL |
|---|---|---|---|---|---|---|
| Morgantown | $267,000 | $785/year | $0 | $1,000 | 98 | 89 |
| Charleston | $200,000 | $775/year | $0 | $850 | 95 | 85 |
| Martinsburg | $285,000 | $1,294/year | $0 | $1,100 | 97 | 91 |
| Huntington | $157,000 | $546/year | $0 | $750 | 92 | 80 |
| Parkersburg | $113,900 | $376/year | $0 | $700 | 91 | 78 |
| Wheeling | $93,000 | $758/year | $0 | $650 | 90 | 77 |
| National Avg | $436,800 | $2,690/year | Varies | $1,702 | 100 | 100 |
Key Takeaway: ALL West Virginia cities are significantly cheaper than national averages. Even Morgantown (most expensive WV city) is 39% cheaper for housing than national median.
Employment Comparison
| City | Unemployment | Major Industries | Avg Salary | Growth Outlook |
|---|---|---|---|---|
| Morgantown | 3.2% | Education, healthcare, tech, pharma | $60,000 | ★★★★★ |
| Charleston | 4.0% | Government, healthcare, insurance | $55,000 | ★★★☆☆ |
| Martinsburg | 3.8% | Healthcare, fed govt (commute), logistics | $50-85k* | ★★★★☆ |
| Huntington | 4.5% | Healthcare, education | $48,000 | ★★☆☆☆ |
| Parkersburg | 5.1% | Healthcare, retail | $42,000 | ★☆☆☆☆ |
| Wheeling | 5.0% | Healthcare, gaming, retail | $40,000 | ★☆☆☆☆ |
*Martinsburg salary varies dramatically: local jobs $45-55k, DC commuter jobs $75-100k+
Which City Is Right for You?
Choose Morgantown if:
- Career growth is priority #1
- You have (or want) a healthcare, tech, or professional career
- You have school-age children
- You're willing to pay more for economic opportunity
- You value college town energy
Choose Charleston if:
- You want state government employment (veteran hiring preference)
- You prefer balance of jobs + affordability
- You want capital city amenities
- Healthcare career is your path
- You want larger city with services
Choose Martinsburg if:
- You're willing to commute to DC area for high salaries
- You work remotely for DC-area employer
- Federal employment or defense contracting is your field
- Best VA healthcare is priority
- You want WV taxes with DC access
Choose Huntington if:
- You work in healthcare
- Ultra-low cost is important
- You're comfortable in economically distressed small city
- You value VA Medical Center employment opportunities
- Fixed income + cheap housing = comfortable life
Choose Parkersburg if:
- Absolute lowest cost is your only priority
- You have income from elsewhere (retirement, disability, remote work)
- You don't need local employment
- You prefer quiet, low-key lifestyle
- You're retired on fixed income
Choose Wheeling if:
- You want the cheapest housing in the state
- You're handy and willing to renovate historic homes
- You don't need frequent VA care (75 min to Clarksburg)
- You have income from elsewhere
- You're comfortable with urban decline around you
The Millionaire Disabled Veteran Strategy
Here's an interesting financial scenario: A 100% disabled veteran with E-7 retirement ($2,400/month = $28,800/year) plus VA disability ($3,800/month = $45,600/year) has $74,400 annual income, tax-free.
In Parkersburg or Wheeling:
- Buy home cash: $90,000
- Property tax: $0 (exemption)
- Utilities: ~$200/month
- Food: ~$400/month
- Insurance: ~$200/month
- Healthcare: VA (free)
- Total expenses: ~$15,000/year
Annual surplus: $59,400
Over 20 years, investing that surplus conservatively could build $1.5-2 million net worth while living in paid-off home. This is the "Millionaire Veteran" path: minimal expenses, maximum savings, build wealth in cheap location.
This strategy works in Parkersburg or Wheeling if you:
- Have sufficient income from retirement/disability
- Don't need local employment
- Can handle economically distressed surroundings
- Are disciplined with savings/investing
Crime & Safety Comparison
Based on FBI data and WV State Police statistics:
Safest:
- Morgantown (college town with low crime)
- Martinsburg (improving, but Eastern Panhandle growth brings challenges)
- Charleston (mixed - good areas and struggling areas)
Higher Crime: 4. Parkersburg (property crime elevated) 5. Huntington (drug-related crime historically high) 6. Wheeling (property crime and economic distress)
Important: All WV cities have lower violent crime than major metro areas nationally. Property crime (theft, burglary) is the primary concern.
Healthcare Beyond the VA
All six cities have civilian hospital systems if you need/want non-VA care:
- Morgantown: WVU Medicine (Ruby Memorial) - Level 1 Trauma Center, excellent
- Charleston: CAMC Memorial - excellent regional hospital
- Martinsburg: Berkeley Medical Center (WVU Medicine) - good
- Huntington: Cabell Huntington Hospital, St. Mary's - good
- Parkersburg: Camden Clark (WVU Medicine) - adequate
- Wheeling: Wheeling Hospital (WVU Medicine) - adequate
Final Rankings Summary
| Rank | City | Score | Best For |
|---|---|---|---|
| 1 | Morgantown | 87/100 | Career growth, families, healthcare careers |
| 2 | Charleston | 82/100 | State employment, balance of jobs + affordability |
| 3 | Martinsburg | 78/100 | DC commuters, federal/contractor careers, best VA |
| 4 | Huntington | 72/100 | Healthcare workers, ultra-affordable, VA employment |
| 5 | Parkersburg | 66/100 | Retirees, fixed income, absolute cheapest |
| 6 | Wheeling | 64/100 | Retirees, extreme affordability, Pittsburgh proximity |
Frequently Asked Questions
Q1: Can I really buy a house for under $100,000 in West Virginia?
A: Yes. In Parkersburg and Wheeling, homes regularly sell for $60,000-$100,000. They're typically older homes (1900s-1950s), may need updates, but are structurally sound. In Huntington, you'll find similar pricing. This is not a scam - it reflects population decline and economic challenges.
Q2: If I'm 100% disabled, do I really pay $0 property tax regardless of home value?
A: Yes. West Virginia's 100% disabled veteran property tax exemption has NO dollar cap. Whether you buy a $90,000 home in Wheeling or a $350,000 home in Morgantown, you pay $0 annually in property tax if you're 100% P&T disabled. This is a huge financial advantage.
Q3: What's the catch with these cheap homes?
A: The "catch" is limited economic opportunity, population decline, and you're living in economically distressed areas. The homes are cheap because people are leaving, not arriving. If you have income from elsewhere (retirement, disability, remote work), this works great. If you need local employment, it's much harder.
Q4: Is commuting from Martinsburg to DC really feasible long-term?
A: Many people do it (15,000+ Eastern Panhandle residents commute to DC/NoVA), but it's grueling: 3+ hours daily, $500+/month in fuel, vehicle wear. Best scenarios: work from home several days/week, federal job with flexible schedule, high salary ($90k+) making commute worthwhile. Pure 5-days-in-office commute causes burnout.
Q5: Which city has the best job market for non-healthcare veterans?
A: Morgantown by far. WVU, tech sector, pharmaceuticals, federal research labs create diverse opportunities. Charleston second (state government, insurance, chemical). All other cities are healthcare-dominated or retail/service.
Q6: I'm bringing my family. Which city has the best schools?
A: Morgantown (Monongalia County schools) ranks best. Charleston suburbs (especially Putnam County - Teays Valley area) are strong. Martinsburg/Berkeley County improving with growth. Huntington, Parkersburg, Wheeling schools struggle compared to state/national averages.
Q7: Can I really live on $30,000/year in West Virginia?
A: In Parkersburg or Wheeling, yes - especially if your home is paid off. $30k covers utilities, food, transportation, insurance comfortably in these low-cost areas. In Morgantown or Martinsburg, $30k is tight with rent/mortgage. In Charleston/Huntington, $30k is doable but requires budgeting.
Q8: What if I need specialized medical care not available at VA facilities?
A: All cities have civilian hospitals. For ultra-specialized care (organ transplant, complex cancer treatment, etc.), you'll travel to Pittsburgh (from northern WV) or Columbus/Lexington (from southern WV). WVU Medicine in Morgantown offers most advanced care in-state.
Q9: Is West Virginia's population decline a concern for property values?
A: Yes, for investment purposes. If you're buying to live long-term, low prices are great. If you want home appreciation as investment, WV is weak - most cities seeing flat or declining values. Exception: Morgantown and Martinsburg showing modest growth. Don't expect California-style appreciation.
Q10: Can I work remotely for an out-of-state company while living in West Virginia?
A: Yes, and this is ideal. Earn coastal salary while living in WV with 50-60% lower cost of living. You'll pay WV state income tax (but note military retirement is 100% exempt). Many tech workers, federal contractors, and corporate employees use this strategy.
Q11: What's the internet/broadband situation in these cities?
A: City proper in all six has decent broadband (cable or fiber). Rural areas outside city limits can struggle. Starlink increasingly available for rural properties. If working remotely, verify internet quality for your specific address.
Q12: How bad is the drug problem in West Virginia?
A: Opioid addiction has hit WV hard, particularly Huntington (epicenter of crisis). Overdose rates elevated statewide. This manifests as property crime, homelessness, strained social services. It's a real issue, not just media hype. That said, most residential neighborhoods in ranked cities remain safe.
Q13: Are these cities veteran-friendly?
A: Yes. High veteran populations, strong VSO presence (VFW, Legion), good VA access (except Wheeling), state veteran hiring preference, property tax exemptions. West Virginia as a whole is veteran-friendly. These are not anti-military areas.
Q14: What about winter weather?
A: All six cities have four distinct seasons. Winters are cold (20s-40s F) with snow, especially Morgantown (higher elevation). Martinsburg/Eastern Panhandle gets more snow due to elevation. Huntington/Charleston milder. If you hate winter, this isn't Florida, but it's not Minnesota either.
Q15: Can I find a good job in West Virginia without a college degree?
A: Skilled trades (electrician, HVAC, plumbing, welding) are in demand statewide. CDL truck drivers needed. Many manufacturing jobs remain (though fewer than historically). Healthcare technician roles (radiology tech, respiratory therapy, surgical tech) require certificates, not degrees. Morgantown and Charleston offer most opportunities.
Q16: Is there diversity in these cities, or are they all the same demographics?
A: West Virginia is 93% white statewide, and these cities reflect that. Morgantown has most diversity due to WVU international students and faculty. Martinsburg increasing diversity with Eastern Panhandle growth. If cultural diversity is important, WV cities will feel homogeneous compared to metro areas.
Q17: What's the dating/social scene like for single veterans?
A: Morgantown: Best for younger veterans (college town, 20s-30s singles scene). Charleston: Moderate options, young professional scene. Martinsburg: DC commuters create diverse population. Huntington/Parkersburg/Wheeling: Limited, older demographics, many residents married/families. If you're single and want active dating scene, Morgantown or Charleston.
Q18: How far is each city from a major airport?
- Morgantown: 75 miles to Pittsburgh International (1.5 hours)
- Charleston: Yeager Airport in town (limited direct flights)
- Martinsburg: 90 miles to Dulles (1.5 hours), 75 miles to Baltimore-Washington (1.25 hours)
- Huntington: 115 miles to Charleston Yeager (2 hours), 140 miles to Lexington (2.5 hours)
- Parkersburg: 130 miles to Charleston or Pittsburgh (2+ hours)
- Wheeling: 60 miles to Pittsburgh (1.25 hours)
Q19: Are there National Guard/Reserve units in these cities for drilling?
A: Yes. WV Army National Guard and Air National Guard units throughout state. Charleston (capital) has largest concentration. Units also in Martinsburg, Eleanor (near Charleston), and other locations. WV Air Guard (130th Airlift Wing) at McLaughlin Air National Guard Base in Charleston.
Q20: Bottom line - should I move to West Virginia as a veteran?
A: It depends on your situation:
Move to WV if:
- You want affordability and low cost of living
- You have income from military retirement/disability/remote work
- You're 100% disabled (property tax exemption is incredible benefit)
- You prefer rural/small city life over urban metros
- You want to maximize savings/build wealth on fixed income
Don't move to WV if:
- You need robust job market with career growth (go to VA, NC, TX, CO instead)
- You're starting career without income source
- You want cultural diversity and big city amenities
- You're bothered by population decline and economic distress
- You need cutting-edge career opportunities
West Virginia works for specific veteran profiles. It's not for everyone, but for the right person, it's one of the best financial decisions you can make.
Take Action Today
Research Phase:
- Visit cities in person if possible (don't buy without seeing)
- Join Facebook groups: "West Virginia Veterans," city-specific veteran groups
- Contact VA facilities in cities you're considering: confirm services, enrollment
- Check job listings: WorkForce WV, USAJobs, Indeed for your career field
- Research neighborhoods: Zillow, Realtor.com, drive through areas
Planning Phase:
- Calculate your budget: Retirement pay + disability + spouse income = ?
- Apply for VA healthcare before moving: va.gov/health-care/how-to-apply
- Verify property tax exemption eligibility: Contact county assessors
- Explore employment: Remote work? Transfer job? Need new job?
- Consider family needs: Schools, healthcare for family, spouse career
Action Phase:
- Secure housing: Rent first year to learn area, then buy
- File for property tax exemption: By Dec 1 for next year if 100% disabled
- Enroll in VA healthcare: Schedule initial appointment
- Connect with veteran organizations: VFW, Legion, Vet Center
- Update VA address: va.gov to ensure benefits mail reaches you
Additional Resources
West Virginia Department of Veterans Assistance Phone: 1-866-WVA-VETS (1-866-982-8387) Website: veterans.wv.gov 16 field offices statewide providing FREE benefits assistance
WorkForce West Virginia (Employment) Phone: 800-252-5627 Website: workforcewv.org Veteran employment services in all 55 counties
VA Medical Centers in WV:
- Beckley: 304-255-2121
- Clarksburg: 304-623-3461
- Huntington: 304-429-6741
- Martinsburg: 304-263-0811
Vet Centers (Counseling):
- Charleston: 304-343-3825
- Huntington: 304-523-8387
- Martinsburg: 304-263-6776
Realtor Resources:
- West Virginia Association of Realtors: wvar.com
- Filter by "veteran-friendly agents"
Moving Companies:
- Military discounts available from most major movers
- Get quotes 6-8 weeks before move
This guide was last updated November 2024. Housing prices, employment data, and community conditions change. Visit cities in person, verify current data, and make informed decisions based on your specific situation. West Virginia offers incredible value for veterans, but it's not a one-size-fits-all solution. Choose wisely based on YOUR priorities.