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Martinsburg city, WV

ZIP 25404 — 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 25404

Median Home Value
$226,900
Median Rent
$1,054
Affordability Snapshot
$62,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,458/mo PITI).

18%
Rent-to-Income Ratio

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

3.3x
Home Price-to-Income Ratio

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

17.9 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 25404 in Martinsburg city, WV, a household would need roughly $62,000 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 $1,458. That sits below the local median household income ($68,897), 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

Diverse housing tenure.

Heating Fuel
Housing Metrics
Owner Occupied
58.8%-10% vs US avg
x
Vacancy Rate
5.2%-50% vs US avg
x
Broadband Access
92.1%+6% vs US avg
x
4+ Bedrooms
2.1%-86% vs US avg
x
Built Pre-1939
2.5%-81% vs US avg
x
Built Post-2014
0.2%-97% vs US avg
x
Rent Burden >30%
18.2%-63% vs US avg
x
Mortgage-Free
28.1%-26% vs US avg
x
$226,900
Home Value
$1,054
Rent
1995
Year Built
2017
Moved In

Residents have lived here since ~2017 on average

Housing Structure

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

  • 1-unit detached54.8%
  • 1-unit attached14.3%
  • 2-9 units14.7%
  • 10+ units6.8%
  • Mobile home & other9.3%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$226,900
Median rent$1,054
Owner-occupied58.8%
Vacant5.2%
Price-to-income3.3x
Est. income to buy$62,000