ZIP 25411 vs ZIP 25422

25411 is one of 2 ZIP codes that lie mostly in Morgan County, WV.

Shaded by typical home value, it ranks 1 of the 2 with a value.

4 school locations in 25411: 2 elementary, 1 middle, 1 high.

In alphabetical order: BERKELEY SPRINGS HIGH SCHOOL, WARM SPRINGS INTERMEDIATE SCHOOL, WARM SPRINGS MIDDLE SCHOOL, WIDMYER ELEMENTARY. Locations only — no ratings are shown here.

25422 is one of 2 ZIP codes that lie mostly in Morgan County, WV — 95% of its own area is in the county.

Shaded by typical home value, it ranks 2 of the 2 with a value.

In June 2008 the typical home in 25411 was worth $155,638.

Values peaked at $323,885 in August 2026. The latest reading is the peak.

As of August 2026: $323,885, +4.6% over twelve months.

Start with the typical home: $323,885. Put 20% down and borrow $259,108 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $1,794 a month in principal and interest.

The median household here earns $64,070 a year, $5,339 a month. So the payment takes 33.6% of income — rated “stretched” (Lotvox ZIP bands: under 28% affordable · 28–36% stretched · 36%+ severe).

The line holds today's rate fixed and moves only the price: at that rate, the same share was 16.1% in 2008.

Take the typical home's price each month, borrow 80% at that month's actual 30-year average rate: in June 2008 (6.32%) the payment was $772.

In December 2020, with rates at 2.68%, it was $662.

By August 2026, at 6.67%, it was $1,666 — +152% since December 2020, while the home's value moved +58%.

Reported values rose +108% since June 2008.

General prices (CPI-U) rose +54% over the same span.

Divide one by the other: in August 2026 dollars, the 2008 home was worth $239,137. So the real change is +35%, not +108%.

25411: +108% since June 2008.

Morgan County: +107% since June 2008.

West Virginia: +65% since June 2008 — 25411 ran ahead of it by 43 points.

Owning the typical home costs about $2,118 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $1,233 a month.

Price divided by a year's rent: 21.9. Lotvox reads under 15 as favoring buying and 20 or more as favoring renting.

In June 2008 the typical home in 25422 was worth $126,449.

Values peaked at $275,915 in August 2026. The latest reading is the peak.

As of August 2026: $275,915, +4.7% over twelve months.

Start with the typical home: $275,915. Put 20% down and borrow $220,732 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $1,528 a month in principal and interest.

The median household here earns $45,729 a year, $3,811 a month. So the payment takes 40.1% of income — rated “severe” (Lotvox ZIP bands: under 28% affordable · 28–36% stretched · 36%+ severe).

The line holds today's rate fixed and moves only the price: at that rate, the same share was 18.4% in 2008.

Take the typical home's price each month, borrow 80% at that month's actual 30-year average rate: in June 2008 (6.32%) the payment was $627.

In December 2020, with rates at 2.68%, it was $531.

By August 2026, at 6.67%, it was $1,420 — +167% since December 2020, while the home's value moved +68%.

Reported values rose +118% since June 2008.

General prices (CPI-U) rose +54% over the same span.

Divide one by the other: in August 2026 dollars, the 2008 home was worth $194,288. So the real change is +42%, not +118%.

25422: +118% since June 2008.

Morgan County: +107% since June 2008.

West Virginia: +65% since June 2008 — 25422 ran ahead of it by 53 points.

Owning the typical home costs about $1,804 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $794 a month.

Price divided by a year's rent: 29.0. Lotvox reads under 15 as favoring buying and 20 or more as favoring renting.

Picture the Listings Flow Ladder as a basin: new listings pour in from the faucet, the homes for sale are the water, and closed sales run out the drain. Coming in — new listings: about 25 a month (Redfin, 3-month rolling data through August 2026). That is 84% of the 2015–2019 level for the same months.

On the shelf — homes for sale at the end of the period: 77.

Going out — closed sales: about 23 a month.

The ladder: homes for sale ÷ monthly sales = 3.3 months of supply — below the 4–6 month range Lotvox treats as balanced. In the basin, that is the water level against the shaded balanced band.

The net reading: about 2 more homes came on than sold each month, so inventory is growing. The basin is filling.

Homes sold: about 23 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 20 — so sales ran at 115% of it, and below it in 5 of the last 24 months.

Across Morgan County, builders pulled permits for 130 new homes in 2025.

Of those, 100% were in 1-unit buildings (the Census Bureau's category for detached and attached single homes).

Homes sold: about 5 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 6 — so sales ran at 83% of it, and below it in 9 of the last 24 months.

Across Morgan County, builders pulled permits for 130 new homes in 2025.

Of those, 100% were in 1-unit buildings (the Census Bureau's category for detached and attached single homes).

This ZIP sits in Morgan County. IRS tax returns for 2022-2023: among the ten counties sending the most households, 236 moved in. Among the ten receiving the most, 154 moved out.

Net across those counties: +82 households. Beside it, homes for sale in this ZIP: 77 in June 2026.

Most arrivals came from Berkeley, WV (135 households); most departures went to Berkeley, WV (112).

This ZIP sits in Morgan County. IRS tax returns for 2022-2023: among the ten counties sending the most households, 236 moved in. Among the ten receiving the most, 154 moved out.

Net across those counties: +82 households. Beside it, homes for sale in this ZIP: 18 in June 2026.

Most arrivals came from Berkeley, WV (135 households); most departures went to Berkeley, WV (112).