25403 — Berkeley County, West Virginia Market Snapshot
Housing market data for zip code 25403 in Berkeley County, West Virginia. Updated monthly with median prices, days on market, and more.
Market Sales Data
46 sales in 2026 (year to date)
Median Sale Price
$293,742
Days to Sell
80
Homes Sold
46
Inventory
47
Sale-to-List
99.5%
New Listings
60
Price/SqFt
$168
Pending Sales
43
Conforming Loan Available
Most homebuyers in 25403 can comfortably use conventional financing. The median home price of $293,742 is well below the 2026 conforming loan limit of $832,750, meaning buyers can put as little as 3-5% down without hitting jumbo loan territory.
Market Insights
Market Temperature
With homes sitting for 80 days on average, 25403 favors buyers. There may be opportunities to negotiate below asking price or request seller concessions for closing costs or rate buydowns.
Sale-to-List Ratio
Homes are selling very close to asking price in 25403 (99.5% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 25403 can comfortably use conventional financing. The median home price of $293,742 is well below the 2026 conforming loan limit of $832,750, meaning buyers can put as little as 3-5% down without hitting jumbo loan territory.
Loan limits in 25403 are set at the county level.
2026 Loan Limits — Berkeley County
| Property Units | Conforming Limit | FHA Limit |
|---|---|---|
| 1 Unit | $832,750 | $541,287 |
| 2 Units | $1,066,250 | $693,050 |
| 3 Units | $1,288,800 | $837,700 |
| 4 Units | $1,601,750 | $1,041,125 |
Affordability Snapshot — Zip 25403
To purchase the median home at $293,742 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,401.
Monthly Payment
$2,401
Income Required
$102,881
Principal & Interest
$1,810/mo
Down Payment (5%)
$14,687
Based on 30-year fixed at 6.75%, 1.8% property tax, $1,800/yr insurance, 28% DTI guideline.
Mortgage Calculator
Estimate your monthly payment for a home in 25403.
Estimated Monthly Payment
$1,968
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