ZIP Code 25403 — Martinsburg city, WV Demographics & Data

ZIP code 25403 covers Martinsburg, WV in Berkeley County with a population of about 15,865.

At a glance, the area shows median age of 38.4 (near the U.S. median).

It sits in telephone area codes 304, 681; U.S. House district WV-2; the WASHINGTON, DC (HAGRSTWN) media market.

Median household income in ZIP 25403 is about $82,190 — about 9% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 11.8%; unemployment rate near 4.3%; 28.4% of adults with a bachelor’s degree or higher (about 5.3 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Healthcare, Retail trade, and Manufacturing; about 13.0% of workers reporting work-from-home (about 2.2 points below the U.S. share (15.2%)); a mean commute of about 180.0 minutes (U.S. average near 26.8).

Median home value is about $301,800 — about 13% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $1,176 (about even with the U.S. median rent ($1,163)), and owner-occupancy near 81.6% (about 16.2 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 25403 in Martinsburg, WV, a household would need roughly $83,000 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 $1,939. That is roughly in line with the local median household income ($82,190). Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

FEMA’s National Risk Index rates natural-hazard risk for Martinsburg city, WV as Relatively Low (composite score 68.3), which is near the middle of the national distribution. The strongest component scores on US5 are hurricane (80.4) and flood (79.8). These scores are county-linked NRI values published for planning context — all ZIP codes in the same county share the same composite score on US5. Useful when comparing insurance and disaster exposure across areas, not a substitute for a parcel-level flood or fire determination.

Climate normals for Martinsburg city, WV show little to no average snow and around 41.4 inches of annual precipitation.

IRS migration statistics show a net inflow of about 589 for ZIP 25403 (Martinsburg city, WV) on US5’s published series — a signal of people/tax filers moving in relative to those leaving. Inflows often track job growth, housing demand, or lifestyle migration; treat the figure as a directional indicator rather than a precise headcount.