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Charles Town city, WV

ZIP 25414 — 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 25414

Median Home Value
$365,500
Median Rent
$839
Affordability Snapshot
$101,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$2,348/mo PITI).

10%
Rent-to-Income Ratio

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

3.6x
Home Price-to-Income Ratio

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

36.3 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 25414 in Charles Town city, WV, a household would need roughly $101,000 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 $2,348. That is roughly in line with the local median household income ($101,020). Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Owner-occupied majority; balanced tenure mix.

Heating Fuel
Housing Metrics
Owner Occupied
76.5%+17% vs US avg
x
Vacancy Rate
5.6%-45% vs US avg
x
Broadband Access
89.2%+3% vs US avg
x
4+ Bedrooms
7.4%-50% vs US avg
x
Built Pre-1939
0.9%-93% vs US avg
x
Built Post-2014
0.9%-87% vs US avg
x
Rent Burden >30%
19.7%-60% vs US avg
x
Mortgage-Free
26.6%-30% vs US avg
x
$365,500
Home Value
$839
Rent
1996
Year Built
2013
Moved In

Residents have lived here since ~2013 on average

Housing Structure

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

  • 1-unit detached77.4%
  • 1-unit attached8.0%
  • 2-9 units6.7%
  • 10+ units6.4%
  • Mobile home & other1.5%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$365,500
Median rent$839
Owner-occupied76.5%
Vacant5.6%
Price-to-income3.6x
Est. income to buy$101,000