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Terra Alta town, WV

ZIP 26764 — Housing & Real Estate

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

Working ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 26764

Median Home Value
$133,500
Median Rent
$701
Affordability Snapshot
$37,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$858/mo PITI).

15%
Rent-to-Income Ratio

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

2.4x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

15.9 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 26764 in Terra Alta town, WV, a household would need roughly $37,000 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 $858. That sits below the local median household income ($54,604), 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 29% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
77.0%+18% vs US avg
x
Vacancy Rate
29.1%+182% vs US avg
x
Broadband Access
84.0%-3% vs US avg
x
4+ Bedrooms
3.0%-80% vs US avg
x
Built Pre-1939
3.3%-75% vs US avg
x
Built Post-2014
0.4%-95% vs US avg
x
Rent Burden >30%
10.1%-80% vs US avg
x
Mortgage-Free
53.0%+39% vs US avg
x
$133,500
Home Value
$701
Rent
1978
Year Built
2011
Moved In

Residents have lived here since ~2011 on average

Housing Structure

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

  • 1-unit detached81.8%
  • 1-unit attached0.2%
  • 2-9 units3.3%
  • 10+ units1.4%
  • Mobile home & other13.3%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$133,500
Median rent$701
Owner-occupied77.0%
Vacant29.1%
Price-to-income2.4x
Est. income to buy$37,000