26104 — Wood County, West Virginia Market Snapshot
Housing market data for zip code 26104 in Wood County, West Virginia. Updated monthly with median prices, days on market, and more.
Market Sales Data
33 sales in 2026 (year to date)
Median Sale Price
$155,500
Days to Sell
47
Homes Sold
33
Inventory
27
Sale-to-List
96.5%
New Listings
47
Price/SqFt
$120
Pending Sales
51
Conforming Loan Available
Most homebuyers in 26104 can comfortably use conventional financing. The median home price of $155,500 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
26104's market is balanced with homes taking an average of 47 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
The average home in 26104 sells for 3.5% below asking price (96.5% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 26104 can comfortably use conventional financing. The median home price of $155,500 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 26104 are set at the county level.
2026 Loan Limits — Wood 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 26104
To purchase the median home at $155,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $1,341.
Monthly Payment
$1,341
Income Required
$57,488
Principal & Interest
$958/mo
Down Payment (5%)
$7,775
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 26104.
Estimated Monthly Payment
$1,112
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