Morgan County, West Virginia — County Report Card

WV

#41 in West Virginia
57
County Score
Property Tax 84.5Safety 77.7Disaster Risk 69.6

County Report Card

About Morgan County, West Virginia

Beating the National Median

Morgan County earns a composite score of 57.0, placing it well above the national median of 50.0. This score reflects a balanced profile that outpaces the middle of the American pack. However, the county still trails the West Virginia state average of 62.0.

A Mid-Tier West Virginia Performer

While Morgan County maintains a respectable 57.0 overall score, it sits five points below the state average of 62.0. This indicates that while it performs well nationally, it faces stiffer competition from its high-performing West Virginia neighbors. Residents benefit from the state's broader tax trends despite local gaps in infrastructure.

Low Taxes and Strong Safety

The county excels with a tax score of 84.5, driven by an exceptionally low effective tax rate of 0.513%. Safety is another major draw, boasting a score of 77.7. Residents enjoy a peaceful environment alongside a manageable cost of living where rents average $832.

Improving Infrastructure and Schools

Water quality and school performance represent the primary hurdles, with scores of 14.5 and 30.8 respectively. Health outcomes also lag behind at 44.2, suggesting a need for better access to wellness resources. Addressing these core services is essential for long-term growth.

Ideal for Secure Rural Living

Morgan County is a perfect match for retirees or remote workers who prioritize low property taxes and personal safety above all else. With a median home value of $223,100, it offers a secure, budget-friendly lifestyle for those who don't rely heavily on local school systems. It provides a quiet refuge with a very low tax burden.

Score breakdown

Tax84.5Cost50.5Safety77.7Health44.2Schools30.8Income50.4Risk69.6Water14.5Weather57.6
🏛84.5
Property Tax
Effective property tax rate vs national benchmarks
TaxByCounty
🏠50.5
Cost of Living
Median rent, home values, and housing affordability
CostByCounty
💼50.4
Income & Jobs
Median household income and per capita earnings
IncomeByCounty
🛡77.7
Safety
Violent and property crime rates per 100K residents
CrimeByCounty
44.2
Health
Life expectancy, uninsured rates, and health access
HealthByCounty
🎓30.8
Schools
Graduation rates, per-pupil spending, and attainment
SchoolsByCounty
69.6
Disaster Risk
FEMA National Risk Index — flood, fire, tornado, and more
RiskByCounty
💧14.5
Water Quality
EPA drinking water health violations and safety grades
WaterByCounty
🌤57.6
Weather & Climate
Average temperatures, precipitation, and extreme weather events
WeatherByCounty
🪨43.6
Soil Quality
Soil composition, pH, drainage, and organic matter content
SoilByCounty
🌱52.1
Lawn Care
Lawn difficulty score based on climate, soil, and grass suitability
LawnByCounty
🛒
Farmers Markets
Local market density, SNAP/EBT acceptance, and product variety
MarketsByCounty
Sponsored

Compare mortgage rates in Morgan County

Whether buying or refinancing in Morgan County, compare rates from top lenders to find the best deal.

See Today's Rates

Deep Dives

Morgan County across the ByCounty Network

Detailed analysis from 10 data dimensions — each powered by a dedicated ByCounty site.

Property Tax in Morgan County

via TaxByCounty

Morgan County taxes far below national average

Morgan County's effective tax rate of 0.513% sits well below the national median of 0.62%, placing it in roughly the bottom third nationally. The median property tax here is $1,145 annually—less than half the national median of $2,690—reflecting both lower home values and more favorable rates.

Slightly above average for West Virginia

Morgan County's effective rate of 0.513% edges above West Virginia's state average of 0.497%, ranking it in the middle of the state's 55 counties. Median taxes of $1,145 exceed the state median of $699, driven partly by higher median home values of $223,100 compared to the statewide typical.

Among the highest-taxed in the region

Morgan County's 0.513% rate sits higher than neighboring Pendleton County (0.338%) and Pocahontas County (0.315%), but lower than Ohio County's 0.587%. Its median tax bill of $1,145 is notably steeper than Preston County ($747) to the south, reflecting a more aggressive local tax posture.

Typical home costs $1,145 per year

On Morgan County's median home value of $223,100, the effective tax rate of 0.513% translates to an estimated annual property tax of $1,145. Homeowners with mortgages typically pay slightly more ($1,184), while those owning outright pay $1,084.

Many Morgan County homes may be overassessed

If you believe your home's assessed value doesn't match its true market value, you have the right to file a tax assessment appeal with Morgan County. Overassessed properties are common, and successful appeals can lower your tax burden—potentially saving hundreds annually.

Cost of Living in Morgan County

via CostByCounty

Morgan County rents beat national norms

At 15.7%, Morgan County's rent-to-income ratio sits well below the national threshold of affordability, meaning renters here spend a smaller share of their paychecks on housing than Americans overall. The median rent of $832 per month is reasonable for a county where median household income reaches $63,805—closer to the national median of $74,755 than many West Virginia peers.

Better positioned than most WV counties

Morgan County's 15.7% rent-to-income ratio beats the West Virginia state average of 16.9%, placing it in the more affordable tier statewide. With rents at $832 versus the state median of $760, Morgan County costs a bit more but incomes are stronger enough to make the math work.

Competitive with Eastern Panhandle peers

Morgan County's $832 rent and 15.7% affordability ratio compare favorably to nearby Ohio County ($823 rent, 17.1% ratio) and Preston County ($753 rent, 14.7% ratio). Pendleton County edges ahead with a 14.7% ratio, but Morgan County offers similar economic stability with stronger household incomes.

Rents and mortgages divide the burden

Renters in Morgan County spend $832 monthly while homeowners carry a $863 monthly mortgage cost—nearly identical burdens for two populations with very different asset positions. With median household income at $63,805, renters dedicate 15.7% of earnings to rent and homeowners roughly 16.3% to mortgage, leaving room for other expenses.

Consider Morgan County for stability

If you're relocating from a high-cost metro area, Morgan County offers a balanced market: rents comparable to the state average but with higher household incomes to support them. The 15.7% rent-to-income ratio signals genuine affordability, and median home values near $223,100 make homeownership achievable for middle-income families.

Income & Jobs in Morgan County

via IncomeByCounty

Morgan County earns above the curve

Morgan County's median household income of $63,805 exceeds the national median of $74,755 by 14.7%, placing it in the upper tier nationally. This strong performance reflects economic resilience in a rural county with strategic access to regional employment centers.

Top earners in West Virginia

Morgan County ranks among West Virginia's highest-income counties, with a median household income 16.5% above the state average of $54,746. This positions the county as a economic leader within its state, driven by diverse employment opportunities.

Outpacing nearby counties

Morgan County's $63,805 median income significantly outpaces neighboring Pendleton County ($61,738) and Preston County ($61,373), though it trails Putnam County ($77,871). The gap reflects Morgan's proximity to regional job markets and stronger wage growth.

Housing costs remain manageable

With a rent-to-income ratio of 15.7%, Morgan County households allocate less than one-sixth of earnings to rent, well below the 30% affordability threshold. A median home value of $223,100 is reasonable relative to household incomes, supporting homeownership access.

Build on strong income foundation

Morgan County's above-average incomes create opportunity for wealth building through retirement savings and investment. Consider maximizing 401(k) contributions and exploring low-cost index funds to grow your household's long-term financial security.

Safety in Morgan County

via CrimeByCounty

Morgan County Outperforms National Safety Averages

Morgan County maintains an exceptional safety score of 99.2 out of 100. Its total crime rate of 527.9 per 100,000 residents is less than a quarter of the national average of 2,385.5. Local law enforcement manages a significantly safer environment than most U.S. communities.

High Standing Among West Virginia Counties

The county's safety score of 99.2 exceeds the West Virginia state average of 98.5. With 527.9 crimes per 100,000 people, Morgan County sits well below the state average rate of 949.0. Residents here enjoy one of the more secure profiles in the Mountain State.

Safety Comparisons with Regional Neighbors

Morgan County's crime rate of 527.9 per 100,000 is notably lower than Nicholas County's rate of 995.0. It remains slightly higher than Ohio County’s 473.7, yet still provides a high level of regional security. Five local reporting agencies work together to maintain these low statistics.

Violent versus Property Crime in Morgan

Property crimes account for the majority of local incidents at 394.5 per 100,000 people. The violent crime rate is just 133.4, which is significantly lower than the national average of 369.8. This breakdown suggests that most police activity involves non-violent community issues.

Simple Steps to Protect Your Morgan Property

While rates are low, property crimes still occur at nearly triple the rate of violent offenses. Installing motion-sensor lighting and smart doorbells helps deter opportunistic theft in rural areas. Consistent home security habits ensure Morgan County remains a safe place to live.

Health in Morgan County

via HealthByCounty

Morgan County lives nearly a year longer

At 73.1 years, Morgan County's life expectancy exceeds the U.S. average of 72.5 years by about 7 months. Just 20.6% of residents report poor or fair health, beating the national rate of 19%. This county is outperforming the typical American health profile, though persistent chronic disease remains a factor.

Top tier health in West Virginia

Morgan County's 73.1-year life expectancy ranks above West Virginia's state average of 72.2 years. The county's 20.6% poor/fair health rate is better than most of its state peers, positioning it among West Virginia's healthier communities.

Competitive with surrounding counties

Morgan County's life expectancy of 73.1 years sits between similar regional counties. Its primary care provider density of 52 per 100,000 residents is moderate for the region, while mental health access at 79 per 100,000 is comparable to neighboring counties like Pendleton and Pleasants.

Insurance and provider access

Morgan County's uninsured rate of 7.6% matches West Virginia's state average exactly, meaning roughly 1 in 13 residents lacks health coverage. With 52 primary care providers per 100,000 residents, the county meets basic access needs, though rural distances may still create barriers for some residents.

Check your coverage options today

If you're among Morgan County's uninsured residents, marketplace plans, Medicaid, and employer coverage are available now. Visit healthcare.gov or contact a local health department to explore free enrollment assistance and see what fits your budget.

Schools in Morgan County

via SchoolsByCounty

A Small Rural School Infrastructure

Morgan County operates seven public schools serving a total of 2,183 students. The infrastructure includes four elementary schools, one middle school, and two high schools within a single district.

Graduation Rates Meet National Benchmarks

The county's 87.0% graduation rate matches the national average but trails the West Virginia state average of 92.8%. Per-pupil spending stands at $6,603, which is lower than both state and national investment levels.

Morgan County Schools Leads the Area

Morgan County Schools is the sole district, managing all 2,183 students across seven campuses. There are currently no charter schools operating within the county.

Rural Learning in Close-Knit Settings

All seven schools in the county are located in rural locales, creating an average school size of 312 students. Berkeley Springs High School is the largest with 621 students, while Pleasant View Elementary serves 121.

Finding Your Home Near Morgan Schools

Families often look for homes near Berkeley Springs to stay close to the county's largest educational hubs. School quality remains a significant factor for those moving into this rural community.

Disaster Risk in Morgan County

via RiskByCounty

Morgan County's Low Risk Profile

Morgan County's composite risk score of 30.44 places it well below the national average, earning a "Very Low" rating. The county faces significantly lower overall natural disaster exposure than most American communities, making it one of the safer places to live in terms of major environmental hazards.

Among West Virginia's Safest Counties

Morgan County ranks among the lowest-risk counties in West Virginia, with its 30.44 score substantially below the state average of 49.21. This safety advantage means residents enjoy considerably lower exposure to the natural disasters that affect much of the state.

Safer Than Surrounding Areas

Morgan County's risk profile is notably lower than neighboring Ohio County (69.82) and Putnam County (74.01), both significantly above the state average. Its low score reflects geographic advantages that shield it from many hazards affecting adjacent counties in the region.

Main Hazards: Hurricane and Flood

While Morgan County's overall risk is low, hurricane exposure (62.62) and flood risk (55.88) represent its primary natural hazards—though both remain below state averages. Earthquake risk (30.38) is moderate, while tornado and wildfire threats are minimal across the county.

Essential Coverage for Your Home

Residents should prioritize flood insurance given the 55.88 flood risk score and ensure standard homeowners policies cover wind damage from hurricanes. Even in low-risk areas, disaster preparedness and appropriate insurance remain smart investments for peace of mind.

Weather & Climate in Morgan County

via WeatherByCounty

Refreshing Eastern Panhandle climate

Morgan County's 52.4°F annual average is roughly 2.6 degrees cooler than the U.S. median. The climate is characterized by mild summers and consistent precipitation throughout the year.

Just below the state average

At 52.4°F, Morgan County is slightly cooler than the West Virginia state average of 52.8°F. Its precipitation of 42.8 inches is also about 4 inches below the statewide average.

Climatological twin to Mineral County

Morgan and Mineral counties share nearly identical average temperatures of 52.4°F and 52.5°F respectively. Morgan sees slightly more rain at 42.8 inches but fewer extreme heat days than its neighbor.

Pleasant summers and cool winters

Summer peaks in July with an average of 73.7°F and 19 days reaching above 90°F. While specific annual snowfall data is currently unavailable, winter temperatures average a brisk 32.8°F.

Standard heating and cooling needs

Residents should plan for about 19 days of extreme summer heat with efficient air conditioning. The mid-winter average of 32.8°F necessitates well-insulated homes and reliable heating systems.

Soil Quality in Morgan County

via SoilByCounty

Highly Acidic Soils in Morgan County

Morgan County soils have an average pH of 4.95, which is significantly more acidic than the national median of 6.5 and the state average of 5.25. While specific taxonomic data is limited here, the acidity profile suggests a landscape shaped by historical leaching. Farmers must frequently apply lime to neutralize these soils for most traditional crops.

A Light Mineral Mix

The soil composition consists of 22.7% sand, 29.2% silt, and 11.3% clay. This relatively low clay content suggests a soil that is easy to work but may struggle to hold onto nutrients compared to heavier soils. The balance of silt and sand provides a texture that generally allows for decent root penetration.

Exceptional Organic Matter Levels

Organic matter is a major strength here, measuring 24.36%, which exceeds the West Virginia average of 21.03%. The available water capacity sits at 0.141 in/in, aligning almost perfectly with the state average. This high organic content provides a vital reservoir of nutrients despite the acidic pH.

Standard Water Retention and Drainage

While specific drainage classes are not recorded in this dataset, the available water capacity indicates a standard ability to hold moisture for plant use. The combination of high organic matter and moderate sand helps buffer the soil against rapid drying. Local growers should monitor moisture levels closely during the peak of summer.

Thriving in Zone 7a

The county sits in hardiness zone 7a, offering a longer growing season than many neighboring high-altitude areas. Acid-loving plants like blueberries and rhododendrons thrive in these conditions naturally. For a successful vegetable garden, focus on soil amendments to manage the 4.95 pH levels.

Lawn Care in Morgan County

via LawnByCounty

Moderate Lawn Challenges in Morgan County

With a difficulty score of 52.1, Morgan County is slightly easier than the national median of 50.0 but trails the West Virginia state average of 66.5. This Zone 7a region requires more effort to maintain than neighboring counties due to its lower-than-average score.

Balancing Rainfall and Growing Heat

The county receives 42.8 inches of rain annually, falling within the ideal range for healthy turf. However, 19 extreme heat days and 3,173 growing degree days mean your mowing schedule will accelerate quickly during the peak summer months.

Acidic Soil Requires Heavy Buffering

The local soil pH of 4.95 is significantly lower than the ideal 6.0 to 7.0 range, necessitating regular lime applications to reduce acidity. With a composition of 11.3% clay and 22.7% sand, the soil is relatively light but requires careful nutrient management.

Persistent Drought Demands Water Discipline

With 38 weeks spent in drought over the past year and 100% of the area currently abnormally dry, water conservation is critical. Homeowners should focus on deep, infrequent watering to encourage root resilience against the current severe conditions.

Start Seeding After Spring Frosts

Tall fescue and Kentucky bluegrass thrive in this Zone 7a climate if established before the first fall frost on October 21. Aim to finish your primary spring seeding after April 23 to avoid late-season freezes that can kill tender new sprouts.

Frequently Asked Questions

What is Morgan County's county score?
Morgan County, West Virginia has a composite county score of 57 out of 100 on CountyScore. This score is calculated from a weighted average of available data dimensions including property tax, cost of living, income, safety, health, and schools.
How does Morgan County rank among counties in West Virginia?
Morgan County ranks #41 among all counties in West Virginia on CountyScore's composite ranking. Rankings are based on available data dimensions and updated as new data is added.
What are property taxes like in Morgan County, West Virginia?
The median annual property tax in Morgan County is $1,145, with an effective tax rate of 0.51%. This earns Morgan County a tax score of 84.5/100 on CountyScore (higher = lower taxes).
What is the median household income in Morgan County?
The median household income in Morgan County, West Virginia is $63,805 per year according to U.S. Census Bureau data. Morgan County earns an income score of 50.4/100 on CountyScore.
Is Morgan County, West Virginia a good place to live?
Morgan County scores 57/100 on CountyScore's overall county ranking, ranking #41 in West Virginia. The best way to evaluate Morgan County is to compare individual dimension scores — property tax, cost of living, income, safety, health, and schools — based on your personal priorities. Use CountyScore to compare Morgan County with other counties side by side.