25427 — Morgan County, West Virginia Market Snapshot
Housing market data for zip code 25427 in Morgan County, West Virginia. Updated monthly with median prices, days on market, and more.
Market Sales Data
90 sales in 2026 (year to date)
Median Sale Price
$337,250
Days to Sell
60
Homes Sold
90
Inventory
62
Sale-to-List
99.4%
New Listings
97
Price/SqFt
$206
Pending Sales
100
Conforming Loan Available
Most homebuyers in 25427 can comfortably use conventional financing. The median home price of $337,250 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 60 days on average, 25427 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
Homes are selling very close to asking price in 25427 (99.4% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 25427 can comfortably use conventional financing. The median home price of $337,250 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 25427 are set at the county level.
2026 Loan Limits — Morgan 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 25427
To purchase the median home at $337,250 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,734.
Monthly Payment
$2,734
Income Required
$117,167
Principal & Interest
$2,078/mo
Down Payment (5%)
$16,863
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 25427.
Estimated Monthly Payment
$2,237
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