25304 — Kanawha County, West Virginia Market Snapshot
Housing market data for zip code 25304 in Kanawha County, West Virginia. Updated monthly with median prices, days on market, and more.
Market Sales Data
19 sales in 2026 (year to date)
Median Sale Price
$289,000
Days to Sell
11
Homes Sold
19
Inventory
16
Sale-to-List
95.8%
New Listings
30
Price/SqFt
$120
Pending Sales
24
Conforming Loan Available
Most homebuyers in 25304 can comfortably use conventional financing. The median home price of $289,000 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
25304 is an extremely competitive market with homes selling in just 11 days on average. Buyers need pre-approval letters ready before making offers.
Sale-to-List Ratio
The average home in 25304 sells for 4.2% below asking price (95.8% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 25304 can comfortably use conventional financing. The median home price of $289,000 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 25304 are set at the county level.
2026 Loan Limits — Kanawha 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 25304
To purchase the median home at $289,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,364.
Monthly Payment
$2,364
Income Required
$101,324
Principal & Interest
$1,781/mo
Down Payment (5%)
$14,450
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 25304.
Estimated Monthly Payment
$1,939
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