25411 — Morgan County, West Virginia Market Snapshot
Housing market data for zip code 25411 in Morgan County, West Virginia. Updated monthly with median prices, days on market, and more.
Market Sales Data
62 sales in 2026 (year to date)
Median Sale Price
$331,000
Days to Sell
76
Homes Sold
62
Inventory
84
Sale-to-List
96.7%
New Listings
85
Price/SqFt
$198
Pending Sales
82
Conforming Loan Available
Most homebuyers in 25411 can comfortably use conventional financing. The median home price of $331,000 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
With homes sitting for 76 days on average, 25411 favors buyers. There may be opportunities to negotiate below asking price or request seller concessions for closing costs or rate buydowns.
Sale-to-List Ratio
The average home in 25411 sells for 3.3% below asking price (96.7% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 25411 can comfortably use conventional financing. The median home price of $331,000 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 25411 are set at the county level.
2026 Loan Limits — Morgan 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 25411
To purchase the median home at $331,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,686.
Monthly Payment
$2,686
Income Required
$115,115
Principal & Interest
$2,040/mo
Down Payment (5%)
$16,550
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 25411.
Estimated Monthly Payment
$2,198
Connect with a LoanGraphs Loan Officer
Get expert guidance for zip code 25411. Tell us what you're looking for.