26501 — Monongalia County, West Virginia Market Snapshot
Housing market data for zip code 26501 in Monongalia County, West Virginia. Updated monthly with median prices, days on market, and more.
Market Sales Data
49 sales in 2026 (year to date)
Median Sale Price
$255,500
Days to Sell
71
Homes Sold
49
Inventory
54
Sale-to-List
97.3%
New Listings
64
Price/SqFt
$154
Pending Sales
58
Conforming Loan Available
Most homebuyers in 26501 can comfortably use conventional financing. The median home price of $255,500 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 71 days on average, 26501 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 26501 sells for 2.7% below asking price (97.3% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 26501 can comfortably use conventional financing. The median home price of $255,500 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 26501 are set at the county level.
2026 Loan Limits — Monongalia 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 26501
To purchase the median home at $255,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,108.
Monthly Payment
$2,108
Income Required
$90,324
Principal & Interest
$1,574/mo
Down Payment (5%)
$12,775
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 26501.
Estimated Monthly Payment
$1,731
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