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Martinsburg city, WV

ZIP 25403 — Housing & Real Estate

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

Middle ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 25403

Median Home Value
$301,800
Median Rent
$1,176
Affordability Snapshot
$83,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,939/mo PITI).

17%
Rent-to-Income Ratio

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

3.7x
Home Price-to-Income Ratio

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

21.4 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 25403 in Martinsburg city, 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.

Housing Tenure

Mostly owner-occupied, low vacancy — stable housing market.

Heating Fuel
Housing Metrics
Owner Occupied
81.6%+25% vs US avg
x
Vacancy Rate
3.6%-65% vs US avg
x
Broadband Access
88.0%+1% vs US avg
x
4+ Bedrooms
7.5%-49% vs US avg
x
Built Pre-1939
0.9%-93% vs US avg
x
Built Post-2014
3.1%-56% vs US avg
x
Rent Burden >30%
12.5%-75% vs US avg
x
Mortgage-Free
22.4%-41% vs US avg
x
$301,800
Home Value
$1,176
Rent
2003
Year Built
2014
Moved In

Residents have lived here since ~2014 on average

Housing Structure

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

  • 1-unit detached70.8%
  • 1-unit attached7.5%
  • 2-9 units0.6%
  • 10+ units4.9%
  • Mobile home & other16.3%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$301,800
Median rent$1,176
Owner-occupied81.6%
Vacant3.6%
Price-to-income3.7x
Est. income to buy$83,000