25442 — Jefferson County, West Virginia Market Snapshot
Housing market data for zip code 25442 in Jefferson County, West Virginia. Updated monthly with median prices, days on market, and more.
Market Sales Data
16 sales in 2026 (year to date)
Median Sale Price
$447,490
Days to Sell
127
Homes Sold
16
Inventory
10
Sale-to-List
98.8%
New Listings
16
Price/SqFt
$179
Pending Sales
20
Conforming Loan Available
Most homebuyers in 25442 can comfortably use conventional financing. The median home price of $447,490 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 127 days on average, 25442 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 25442 (98.8% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 25442 can comfortably use conventional financing. The median home price of $447,490 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 25442 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 25442
To purchase the median home at $447,490 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $3,579.
Monthly Payment
$3,579
Income Required
$153,365
Principal & Interest
$2,757/mo
Down Payment (5%)
$22,375
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 25442.
Estimated Monthly Payment
$2,919
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