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Smithfield town, WV

ZIP 26437 — 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 26437

Median Home Value
$93,900
Median Rent
$187
Affordability Snapshot
$26,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$603/mo PITI).

3%
Rent-to-Income Ratio

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

1.4x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

41.8 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 26437 in Smithfield town, WV, a household would need roughly $26,000 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 $603. That sits below the local median household income ($68,750), 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

Vacancy rate 11% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
80.4%+23% vs US avg
x
Vacancy Rate
10.7%+4% vs US avg
x
Broadband Access
78.8%-9% vs US avg
x
4+ Bedrooms
25.2%+71% vs US avg
x
Built Pre-1939
3.4%-73% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
33.3%-33% vs US avg
x
Mortgage-Free
58.1%+52% vs US avg
x
$93,900
Home Value
$187
Rent
1988
Year Built
2007
Moved In

Residents have lived here since ~2007 on average

Housing Structure

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

  • 1-unit detached63.1%
  • 1-unit attached0.0%
  • 2-9 units6.3%
  • 10+ units0.0%
  • Mobile home & other30.6%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$93,900
Median rent$187
Owner-occupied80.4%
Vacant10.7%
Price-to-income1.4x
Est. income to buy$26,000