25109 — Putnam County, West Virginia Market Snapshot
Housing market data for zip code 25109 in Putnam County, West Virginia. Updated monthly with median prices, days on market, and more.
Limited Sales Data
Only 1 home sold in this ZIP code during the selected period. Statistics may not be representative. See the Putnam County county page for broader data.
Market Sales Data
1 sales in 2024
Median Sale Price
$124,900
Days to Sell
167
Homes Sold
1
Inventory
N/A
Conforming Loan Available
Most homebuyers in 25109 can comfortably use conventional financing. The median home price of $124,900 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 167 days on average, 25109 favors buyers. There may be opportunities to negotiate below asking price or request seller concessions for closing costs or rate buydowns.
Conforming Loan Feasibility
Most homebuyers in 25109 can comfortably use conventional financing. The median home price of $124,900 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 25109 are set at the county level.
2026 Loan Limits — Putnam 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 25109
To purchase the median home at $124,900 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $1,107.
Monthly Payment
$1,107
Income Required
$47,440
Principal & Interest
$770/mo
Down Payment (5%)
$6,245
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 25109.
Estimated Monthly Payment
$923
Connect with a LoanGraphs Loan Officer
Get expert guidance for zip code 25109. Tell us what you're looking for.