25414 — Jefferson County, West Virginia Market Snapshot
Housing market data for zip code 25414 in Jefferson County, West Virginia. Updated monthly with median prices, days on market, and more.
Market Sales Data
137 sales in 2026 (year to date)
Median Sale Price
$420,000
Days to Sell
66
Homes Sold
137
Inventory
136
Sale-to-List
99.8%
New Listings
248
Price/SqFt
$178
Pending Sales
151
Conforming Loan Available
Most homebuyers in 25414 can comfortably use conventional financing. The median home price of $420,000 is well below the 2026 conforming loan limit of $1,249,125, meaning buyers can put as little as 3-5% down without hitting jumbo loan territory.
Market Insights
Market Temperature
With homes sitting for 66 days on average, 25414 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 25414 (99.8% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 25414 can comfortably use conventional financing. The median home price of $420,000 is well below the 2026 conforming loan limit of $1,249,125, meaning buyers can put as little as 3-5% down without hitting jumbo loan territory.
Loan limits in 25414 are set at the county level.
2026 Loan Limits — Jefferson County
| Property Units | Conforming Limit | FHA Limit |
|---|---|---|
| 1 Unit | $1,249,125 | $1,249,125 |
| 2 Units | $1,599,375 | $1,599,375 |
| 3 Units | $1,933,200 | $1,933,200 |
| 4 Units | $2,402,625 | $2,402,625 |
Affordability Snapshot — Zip 25414
To purchase the median home at $420,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $3,368.
Monthly Payment
$3,368
Income Required
$144,339
Principal & Interest
$2,588/mo
Down Payment (5%)
$21,000
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 25414.
Estimated Monthly Payment
$2,749
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