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Gerrardstown, WV Utility & Living Guide

Utilities, housing, taxes, cost of living, and local insights — everything residents and families need.

Last updated: June 26, 2026

Total Utilities$340/mo

1BR Rent$1100/mo

Sales Tax6%

COL Index105 (+5% above national average)

Family Score7/10

Median Home$280,000

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⚠️ Natural Hazard History — Gerrardstown

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💰 Budget Calculator

🔌 Utilities

🏠 Housing

📊 Cost of Living

💰 Taxes

👨‍👩‍👧 Families

🧮 Tools

Monthly Utility Costs

⚡ Electric

$130/mo

FirstEnergy

🔥 Gas

$60/mo

Mountaineer Gas Company

💧 Water

$50/mo

Berkeley County Public Service Water District

🗑️ Garbage

$30/mo

Republic Services

📶 Internet

$70/mo

Combined Average Overhead$340/month

Housing Market

Rent & Property
1 Bedroom	$1100/mo
2 Bedrooms	$1400/mo
3 Bedrooms	$1900/mo
Median Home Price	$280,000
Property Tax Rate	0.8%
Avg Childcare/mo	$900

The housing market in Gerrardstown is relatively stable, with a mix of older and newer homes available. Rentals are also available, but may be limited. The area is attractive to families and retirees due to its peaceful atmosphere and proximity to outdoor recreation.

Cost of Living

Overall COL Index

105

US national avg = 100

vs National Avg

+5% above national average

Groceries

102

Transportation

Healthcare

100

Childcare/mo

$900

Tax Rates

Tax Overview
Total Sales Tax	6%
Property Tax Rate	0.8%
<p>State 6% + County 0%</p>

West Virginia has a progressive income tax system with rates ranging from 3% to 6.5%

Family & Relocation

Family Vibe Score

7/10

Safety Index

Higher = safer

School Rating

7/10

GreatSchools avg

Avg Childcare

$900/mo

City Pulse

Population Trend

+2% (growing)

Political Climate

Red

Business Momentum

Moderate, with key industries including healthcare, education, and retail

Top Local Concerns

Infrastructure, job opportunities, public safety

🚌 Transit for Families

Gerrardstown has limited public transportation options, but the area is relatively walkable and bike-friendly

🎡 Top Kid Attractions

🎯
Harper's Ferry National Historical Park
🎯
Shepherdstown Riverfront
🎯
Morgan's Grove Park

Best Neighborhoods for Families

The area around Gerrardstown Elementary School is popular with families, while the downtown area offers a mix of older homes and newer developments. The surrounding countryside also has its appeal, with scenic views and rural charm.

Household Budget Calculator

Estimate your real monthly cost of living in Gerrardstown based on your household profile.

📰 Live Local News

Gerrardstown has zoning regulations and building codes in place to maintain the area’s character and ensure public safety

Financial Tools

Calculators

Income Tax CalculatorEstimate take-home pay by state
Mortgage CalculatorMonthly payment estimator
Affordability CalculatorHow much home can you afford?
Childcare Cost EstimatorCompare daycare costs by city

Planning Tools

Retirement PlannerRetirement readiness check
Car Lease CalculatorMonthly lease payment estimator
Savings CalculatorGrow your emergency fund
City Comparison ToolCompare cities side by side

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📊 Gerrardstown — Census & Demographic Data

Official data from the US Census Bureau, American Community Survey.

☀️ Seasonal Utility Costs

Utility costs in Gerrardstown tend to be higher in the winter due to heating needs, with average monthly bills increasing by 20-30% from December to February. In contrast, summer months see lower utility bills, with a decrease of 10-20% from June to August.