US5.com
  1. Home
  2. States
  3. West Virginia
  4. ZIP 25405
  5. Housing & Real Estate
Martinsburg city, WV

ZIP 25405 — 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 25405

Median Home Value
$254,700
Median Rent
$1,242
Affordability Snapshot
$70,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,636/mo PITI).

16%
Rent-to-Income Ratio

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

2.8x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

17.1 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 25405 in Martinsburg city, WV, a household would need roughly $70,000 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 $1,636. That sits below the local median household income ($90,962), suggesting the typical household income is closer to a workable buy-in level under these assumptions. 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
84.2%+29% vs US avg
x
Vacancy Rate
3.9%-63% vs US avg
x
Broadband Access
94.0%+8% vs US avg
x
4+ Bedrooms
2.4%-84% vs US avg
x
Built Pre-1939
0.1%-99% vs US avg
x
Built Post-2014
1.7%-75% vs US avg
x
Rent Burden >30%
32.6%-34% vs US avg
x
Mortgage-Free
36.8%-4% vs US avg
x
$254,700
Home Value
$1,242
Rent
2000
Year Built
2013
Moved In

Residents have lived here since ~2013 on average

Housing Structure

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

  • 1-unit detached75.9%
  • 1-unit attached8.2%
  • 2-9 units0.6%
  • 10+ units0.8%
  • Mobile home & other14.5%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$254,700
Median rent$1,242
Owner-occupied84.2%
Vacant3.9%
Price-to-income2.8x
Est. income to buy$70,000