25413 — Berkeley County, West Virginia Market Snapshot
Housing market data for zip code 25413 in Berkeley County, West Virginia. Updated monthly with median prices, days on market, and more.
Market Sales Data
37 sales in 2026 (year to date)
Median Sale Price
$367,500
Days to Sell
58
Homes Sold
37
Inventory
35
Sale-to-List
99.0%
New Listings
46
Price/SqFt
$201
Pending Sales
42
Conforming Loan Available
Most homebuyers in 25413 can comfortably use conventional financing. The median home price of $367,500 is well below the 2026 conforming loan limit of $832,750, meaning buyers can put as little as 3-5% down without hitting jumbo loan territory.
Market Insights
Market Temperature
25413's market is balanced with homes taking an average of 58 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
Homes are selling very close to asking price in 25413 (99.0% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 25413 can comfortably use conventional financing. The median home price of $367,500 is well below the 2026 conforming loan limit of $832,750, meaning buyers can put as little as 3-5% down without hitting jumbo loan territory.
Loan limits in 25413 are set at the county level.
2026 Loan Limits — Berkeley County
| Property Units | Conforming Limit | FHA Limit |
|---|---|---|
| 1 Unit | $832,750 | $541,287 |
| 2 Units | $1,066,250 | $693,050 |
| 3 Units | $1,288,800 | $837,700 |
| 4 Units | $1,601,750 | $1,041,125 |
Affordability Snapshot — Zip 25413
To purchase the median home at $367,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,966.
Monthly Payment
$2,966
Income Required
$127,100
Principal & Interest
$2,264/mo
Down Payment (5%)
$18,375
Based on 30-year fixed at 6.75%, 1.8% property tax, $1,800/yr insurance, 28% DTI guideline.
Mortgage Calculator
Estimate your monthly payment for a home in 25413.
Estimated Monthly Payment
$2,424
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