ZIP Code 25404 — Martinsburg, WV Home Prices (2026)
The typical home in ZIP 25404 (Martinsburg, West Virginia) is worth about $290,000 at roughly $183 per square foot — 5% more affordable than the Martinsburg median and 1% more affordable than the typical U.S. home.
How 25404 compares
ZIP 25404 is one of the more affordable ZIP codes in Martinsburg: its typical home value of $290,000 ranks #3 of the 4 Martinsburg ZIP codes we track (the citywide range runs from $257,000 in 25401 to $379,000 in 25403). Per square foot it costs about $183, against $182 for Martinsburg as a whole, $118 for West Virginia, and $195 nationally.
| Area | Typical value | $ / sq ft |
|---|---|---|
| ZIP 25404 | $290,000 | $183 |
| Martinsburg, WV | $305,500 | $182 |
| West Virginia | $151,000 | $118 |
| United States | $294,000 | $195 |
Home value by size in 25404
Using this ZIP’s rate of about $183 per square foot. Condition, lot, and the exact street move these meaningfully — use the estimator below for a home-specific figure.
| Home size | Estimated value |
|---|---|
| 1,000 sq ft | $183,000 |
| 1,500 sq ft | $274,500 |
| 2,000 sq ft | $366,000 |
| 2,500 sq ft | $457,500 |
| 3,000 sq ft | $549,000 |
Salary needed to buy a home in ZIP 25404
To buy the typical $290,000 home in ZIP 25404 with 20% down, you need a household income of roughly $79,000 a year (about $1,840 a month for the mortgage, taxes, and insurance). With 10% down the bar rises to about $94,000, because the loan is bigger and mortgage insurance kicks in.
| Down payment | Cash down | Monthly payment | Income needed |
|---|---|---|---|
| 5% (+PMI) | $14,500 | $2,290/mo | $98,000/yr |
| 10% (+PMI) | $29,000 | $2,190/mo | $94,000/yr |
| 20% | $58,000 | $1,840/mo | $79,000/yr |
Assumes a 30-year fixed mortgage at 6.5%, property tax at 1.1% and insurance at 0.45% of value per year, PMI of 0.75% on loans with less than 20% down, and the standard 28% housing-to-income rule. Your rate, taxes, and HOA will move these — run your own numbers in the mortgage calculator.
What your budget buys in ZIP 25404
At about $183 per square foot, here is roughly how much home different budgets get you in ZIP 25404:
| Budget | Approx. size | What that looks like locally |
|---|---|---|
| $150k | 820 sq ft | below the local median — condos, smaller or older homes |
| $200k | 1090 sq ft | below the local median — condos, smaller or older homes |
| $250k | 1370 sq ft | around the typical home here |
| $300k | 1640 sq ft | around the typical home here |
| $400k | 2190 sq ft | above the median — larger homes or the pricier ZIPs |
Wondering where that budget goes further? The relocation calculator ranks hundreds of U.S. cities by what the same money buys — it opens pre-filled with a typical 25404 home.
Estimate a specific home in 25404
The estimator below is pre-set to ZIP 25404 — pick your home’s size for an instant ballpark, then open the full calculator to adjust beds, baths, and condition.
All Martinsburg ZIP codes by home value
Where 25404 sits among Martinsburg’s 4 ZIP codes:
| # | ZIP code | Typical value | $ / sq ft |
|---|---|---|---|
| 1 | 25403 | $379,000 | $180 |
| 2 | 25405 | $321,000 | $179 |
| 3 | 25404 (this page) | $290,000 | $183 |
| 4 | 25401 | $257,000 | $184 |
ZIP 25404 home prices: frequently asked
What is the average home price in ZIP code 25404? +
What is the price per square foot in 25404? +
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See the full Martinsburg home values page, all West Virginia cities, or price per square foot by ZIP code nationwide.
Directional estimates from public market data (Realtor.com & Zillow research), not appraisals. A single ZIP contains very different homes; actual values vary and change over time.