ZIP Code 25443 — Shepherdstown town, WV Demographics & Data

ZIP code 25443 covers Shepherdstown, WV in Jefferson County with a population of about 7,298.

At a glance, the area shows median age of 38.8 (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.

Shepherdstown, WV sits in a university / college context (near shepherd university (0.6 mi)). Expect stronger interest in student housing, rentals, walkability, transit, and a younger adult age mix versus typical suburban ZIPs.

Median household income in ZIP 25443 is about $103,933 — about 38% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 5.2%; unemployment rate near 5.0%; 57.6% of adults with a bachelor’s degree or higher (about 23.9 points above the national share (33.7%)).

Labor and commute patterns include leading industry context around Healthcare, Professional services, and Education; about 21.1% of workers reporting work-from-home (about 5.9 points above 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 $395,400 — about 14% above the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $881 (about 24% below the U.S. median rent ($1,163)), and owner-occupancy near 80.7% (about 15.3 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 25443 in Shepherdstown, WV, a household would need roughly $109,000 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 $2,540. That is roughly in line with the local median household income ($103,933). 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 Shepherdstown town, WV as Relatively Low (composite score 47.8), which is near the middle of the national distribution. The strongest component scores on US5 are hurricane (69.1) and flood (64.2). 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 Shepherdstown town, WV show little to no average snow and around 43.5 inches of annual precipitation.

IRS migration statistics show a net inflow of about 271 for ZIP 25443 (Shepherdstown town, 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.