25438 — Jefferson County, West Virginia Market Snapshot
Housing market data for zip code 25438 in Jefferson County, West Virginia. Updated monthly with median prices, days on market, and more.
Market Sales Data
55 sales in 2026 (year to date)
Median Sale Price
$420,390
Days to Sell
56
Homes Sold
55
Inventory
64
Sale-to-List
98.9%
New Listings
109
Price/SqFt
$181
Pending Sales
66
Conforming Loan Available
Most homebuyers in 25438 can comfortably use conventional financing. The median home price of $420,390 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
25438's market is balanced with homes taking an average of 56 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 25438 (98.9% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 25438 can comfortably use conventional financing. The median home price of $420,390 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 25438 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 25438
To purchase the median home at $420,390 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $3,371.
Monthly Payment
$3,371
Income Required
$144,467
Principal & Interest
$2,590/mo
Down Payment (5%)
$21,020
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 25438.
Estimated Monthly Payment
$2,752
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