25404 — Berkeley County, West Virginia Market Snapshot
Housing market data for zip code 25404 in Berkeley County, West Virginia. Updated monthly with median prices, days on market, and more.
Market Sales Data
23 sales in 2026 (year to date)
Median Sale Price
$269,990
Days to Sell
36
Homes Sold
23
Inventory
12
Sale-to-List
99.3%
New Listings
39
Price/SqFt
$163
Pending Sales
27
Conforming Loan Available
Most homebuyers in 25404 can comfortably use conventional financing. The median home price of $269,990 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
25404's market is balanced with homes taking an average of 36 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
Homes are selling very close to asking price in 25404 (99.3% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 25404 can comfortably use conventional financing. The median home price of $269,990 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 25404 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 25404
To purchase the median home at $269,990 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,219.
Monthly Payment
$2,219
Income Required
$95,082
Principal & Interest
$1,664/mo
Down Payment (5%)
$13,500
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 25404.
Estimated Monthly Payment
$1,821
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