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Shepherdstown town, WV

ZIP 25443 — Housing & Real Estate

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

Upper Middle ClassLow Snow AreaRemote Work Hub

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 25443

Median Home Value
$395,400
Median Rent
$881
Affordability Snapshot
$109,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$2,540/mo PITI).

10%
Rent-to-Income Ratio

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

3.8x
Home Price-to-Income Ratio

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

37.4 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 25443 in Shepherdstown town, 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.

Housing Tenure

Vacancy rate 11% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
80.7%+23% vs US avg
x
Vacancy Rate
11.3%+10% vs US avg
x
Broadband Access
95.0%+9% vs US avg
x
4+ Bedrooms
9.1%-38% vs US avg
x
Built Pre-1939
0.5%-96% vs US avg
x
Built Post-2014
0.6%-92% vs US avg
x
Rent Burden >30%
15.8%-68% vs US avg
x
Mortgage-Free
36.1%-6% vs US avg
x
$395,400
Home Value
$881
Rent
1984
Year Built
2012
Moved In

Residents have lived here since ~2012 on average

Housing Structure

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

  • 1-unit detached81.7%
  • 1-unit attached7.3%
  • 2-9 units6.5%
  • 10+ units2.9%
  • Mobile home & other1.6%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$395,400
Median rent$881
Owner-occupied80.7%
Vacant11.3%
Price-to-income3.8x
Est. income to buy$109,000