25405 — Berkeley County, West Virginia Market Snapshot
Housing market data for zip code 25405 in Berkeley County, West Virginia. Updated monthly with median prices, days on market, and more.
Market Sales Data
15 sales in 2026 (year to date)
Median Sale Price
$280,000
Days to Sell
37
Homes Sold
15
Inventory
12
Sale-to-List
99.9%
New Listings
20
Price/SqFt
$139
Pending Sales
17
Conforming Loan Available
Most homebuyers in 25405 can comfortably use conventional financing. The median home price of $280,000 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
25405's market is balanced with homes taking an average of 37 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 25405 (99.9% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 25405 can comfortably use conventional financing. The median home price of $280,000 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 25405 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 25405
To purchase the median home at $280,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,295.
Monthly Payment
$2,295
Income Required
$98,369
Principal & Interest
$1,725/mo
Down Payment (5%)
$14,000
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 25405.
Estimated Monthly Payment
$1,883
Connect with a LoanGraphs Loan Officer
Get expert guidance for zip code 25405. Tell us what you're looking for.