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Martinsburg city, WV

ZIP 25401 — Housing & Real Estate

Source: U.S. Census Bureau ACS 2019–2023 5-Year Estimates. Page data updated 2026-08-02.

Working ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 25401

Median Home Value
$221,500
Median Rent
$847
Affordability Snapshot
$61,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,423/mo PITI).

21%
Rent-to-Income Ratio

Below the 30% threshold — generally affordable for median earners.

4.5x
Home Price-to-Income Ratio

Within the typical 3-5x range for home affordability.

21.8 yrs
Price-to-Rent Ratio

Years to break even buying vs renting at median home value and rent.

To comfortably buy a median-priced home in ZIP 25401 in Martinsburg city, WV, a household would need roughly $61,000 in annual income under a 20% down, 30-year loan at 6.8% (illustrative), keeping housing costs near 28% of income. Estimated monthly PITI is about $1,423. That is about 24% above the local median household income ($49,157), so the median earner would likely stretch or need a larger down payment. Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Diverse housing tenure.

Heating Fuel
Housing Metrics
Owner Occupied
53.4%-18% vs US avg
x
Vacancy Rate
7.8%-24% vs US avg
x
Broadband Access
88.8%+2% vs US avg
x
4+ Bedrooms
3.0%-79% vs US avg
x
Built Pre-1939
10.0%-22% vs US avg
x
Built Post-2014
0.6%-91% vs US avg
x
Rent Burden >30%
23.8%-52% vs US avg
x
Mortgage-Free
34.9%-9% vs US avg
x
$221,500
Home Value
$847
Rent
1962
Year Built
2016
Moved In

Residents have lived here since ~2016 on average

Housing Structure

Census ACS structure types (single-family, multi-unit, etc.).

  • 1-unit detached53.9%
  • 1-unit attached14.5%
  • 2-9 units19.4%
  • 10+ units9.1%
  • Mobile home & other3.1%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$221,500
Median rent$847
Owner-occupied53.4%
Vacant7.8%
Price-to-income4.5x
Est. income to buy$61,000