25550 — Mason County, West Virginia Market Snapshot
Housing market data for zip code 25550 in Mason County, West Virginia. Updated monthly with median prices, days on market, and more.
Market Sales Data
10 sales in 2026 (year to date)
Median Sale Price
$221,950
Days to Sell
135
Homes Sold
10
Inventory
8
Sale-to-List
96.4%
New Listings
21
Price/SqFt
$119
Pending Sales
18
Conforming Loan Available
Most homebuyers in 25550 can comfortably use conventional financing. The median home price of $221,950 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
With homes sitting for 135 days on average, 25550 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
The average home in 25550 sells for 3.6% below asking price (96.4% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 25550 can comfortably use conventional financing. The median home price of $221,950 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 25550 are set at the county level.
2026 Loan Limits — Mason 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 25550
To purchase the median home at $221,950 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $1,851.
Monthly Payment
$1,851
Income Required
$79,308
Principal & Interest
$1,368/mo
Down Payment (5%)
$11,098
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 25550.
Estimated Monthly Payment
$1,524
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