25526 — Lincoln County, West Virginia Market Snapshot
Housing market data for zip code 25526 in Lincoln County, West Virginia. Updated monthly with median prices, days on market, and more.
Market Sales Data
43 sales in 2026 (year to date)
Median Sale Price
$372,000
Days to Sell
11
Homes Sold
43
Inventory
18
Sale-to-List
99.3%
New Listings
59
Price/SqFt
$149
Pending Sales
55
Conforming Loan Available
Most homebuyers in 25526 can comfortably use conventional financing. The median home price of $372,000 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
25526 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
Homes are selling very close to asking price in 25526 (99.3% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 25526 can comfortably use conventional financing. The median home price of $372,000 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 25526 are set at the county level.
2026 Loan Limits — Lincoln 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 25526
To purchase the median home at $372,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $3,000.
Monthly Payment
$3,000
Income Required
$128,578
Principal & Interest
$2,292/mo
Down Payment (5%)
$18,600
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 25526.
Estimated Monthly Payment
$2,452
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