25309 — Kanawha County, West Virginia Market Snapshot
Housing market data for zip code 25309 in Kanawha County, West Virginia. Updated monthly with median prices, days on market, and more.
Market Sales Data
17 sales in 2026 (year to date)
Median Sale Price
$228,000
Days to Sell
15
Homes Sold
17
Inventory
9
Sale-to-List
97.6%
New Listings
26
Price/SqFt
$138
Pending Sales
23
Conforming Loan Available
Most homebuyers in 25309 can comfortably use conventional financing. The median home price of $228,000 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
Homes in 25309 are moving quickly at 15 days on market, indicating healthy buyer demand. Well-priced homes are likely seeing multiple offers.
Sale-to-List Ratio
The average home in 25309 sells for 2.4% below asking price (97.6% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 25309 can comfortably use conventional financing. The median home price of $228,000 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 25309 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 25309
To purchase the median home at $228,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $1,897.
Monthly Payment
$1,897
Income Required
$81,294
Principal & Interest
$1,405/mo
Down Payment (5%)
$11,400
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 25309.
Estimated Monthly Payment
$1,561
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