25177 — Putnam County, West Virginia Market Snapshot
Housing market data for zip code 25177 in Putnam County, West Virginia. Updated monthly with median prices, days on market, and more.
Market Sales Data
44 sales in 2026 (year to date)
Median Sale Price
$164,500
Days to Sell
27
Homes Sold
44
Inventory
21
Sale-to-List
98.7%
New Listings
48
Price/SqFt
$114
Pending Sales
52
Conforming Loan Available
Most homebuyers in 25177 can comfortably use conventional financing. The median home price of $164,500 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
Homes in 25177 are moving quickly at 27 days on market, indicating healthy buyer demand. Well-priced homes are likely seeing multiple offers.
Sale-to-List Ratio
Homes are selling very close to asking price in 25177 (98.7% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 25177 can comfortably use conventional financing. The median home price of $164,500 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 25177 are set at the county level.
2026 Loan Limits — Putnam 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 25177
To purchase the median home at $164,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $1,410.
Monthly Payment
$1,410
Income Required
$60,444
Principal & Interest
$1,014/mo
Down Payment (5%)
$8,225
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 25177.
Estimated Monthly Payment
$1,168
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