Clarksburg and Weirton are the most affordable places to buy and own a home in West Virginia. The financial site, Smart Asset, said the most affordable place to own a home is based on factors including income, cost of mortgage, insurance and taxes. The average percentage of income spent on housing costs is over 13.4% in West Virginia. St. Albans is the 5th most affordable city in West Virginia, while Dunbar, and Cross Lanes also made the top ten.