25864 — Raleigh County, West Virginia Market Snapshot
Housing market data for zip code 25864 in Raleigh County, West Virginia. Updated monthly with median prices, days on market, and more.
Limited Sales Data
Only 1 home sold in this ZIP code during the selected period. Statistics may not be representative. See the Raleigh County county page for broader data.
Market Sales Data
1 sales in 2025
Median Sale Price
$158,000
Days to Sell
14
Homes Sold
1
Inventory
N/A
Conforming Loan Available
Most homebuyers in 25864 can comfortably use conventional financing. The median home price of $158,000 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
Homes in 25864 are moving quickly at 14 days on market, indicating healthy buyer demand. Well-priced homes are likely seeing multiple offers.
Conforming Loan Feasibility
Most homebuyers in 25864 can comfortably use conventional financing. The median home price of $158,000 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 25864 are set at the county level.
2026 Loan Limits — Raleigh 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 25864
To purchase the median home at $158,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $1,361.
Monthly Payment
$1,361
Income Required
$58,309
Principal & Interest
$974/mo
Down Payment (5%)
$7,900
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 25864.
Estimated Monthly Payment
$1,128
Connect with a LoanGraphs Loan Officer
Get expert guidance for zip code 25864. Tell us what you're looking for.