26301 — Harrison County, West Virginia Market Snapshot
Housing market data for zip code 26301 in Harrison County, West Virginia. Updated monthly with median prices, days on market, and more.
Market Sales Data
58 sales in 2026 (year to date)
Median Sale Price
$146,000
Days to Sell
76
Homes Sold
58
Inventory
63
Sale-to-List
95.2%
New Listings
63
Price/SqFt
$97
Pending Sales
73
Conforming Loan Available
Most homebuyers in 26301 can comfortably use conventional financing. The median home price of $146,000 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
With homes sitting for 76 days on average, 26301 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
The average home in 26301 sells for 4.8% below asking price (95.2% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 26301 can comfortably use conventional financing. The median home price of $146,000 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 26301 are set at the county level.
2026 Loan Limits — Harrison 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 26301
To purchase the median home at $146,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $1,269.
Monthly Payment
$1,269
Income Required
$54,369
Principal & Interest
$900/mo
Down Payment (5%)
$7,300
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 26301.
Estimated Monthly Payment
$1,054
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