ZIP 26440 vs ZIP 26354

26440 is one of 5 ZIP codes that lie mostly in Taylor County, WV — 51% of its own area is in the county.

Shaded by typical home value, it ranks 1 of the 3 with a value.

26354 is one of 5 ZIP codes that lie mostly in Taylor County, WV — 98% of its own area is in the county.

Shaded by typical home value, it ranks 2 of the 3 with a value.

3 school locations in 26354: 1 elementary, 1 middle, 1 high.

In alphabetical order: ANNA JARVIS ELEMENTARY SCHOOL, GRAFTON HIGH SCHOOL, TAYLOR COUNTY MIDDLE SCHOOL. Locations only — no ratings are shown here.

In July 2008 the typical home in 26440 was worth $87,428.

Values peaked at $183,394 in August 2026. The latest reading is the peak.

As of August 2026: $183,394, +6.9% over twelve months.

Start with the typical home: $183,394. Put 20% down and borrow $146,715 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $1,016 a month in principal and interest.

The median household here earns $63,063 a year, $5,255 a month. So the payment takes 19.3% of income — rated “affordable” (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 9.2% in 2008.

Take the typical home's price each month, borrow 80% at that month's actual 30-year average rate: in July 2008 (6.43%) the payment was $439.

In December 2020, with rates at 2.68%, it was $417.

By August 2026, at 6.67%, it was $944 — +126% since December 2020, while the home's value moved +43%.

Reported values rose +110% since July 2008.

General prices (CPI-U) rose +53% over the same span.

Divide one by the other: in August 2026 dollars, the 2008 home was worth $133,380. So the real change is +37%, not +110%.

26440: +110% since July 2008.

Taylor County: +114% since July 2008.

West Virginia: +65% since July 2008 — 26440 ran ahead of it by 45 points.

Owning the typical home costs about $1,199 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $835 a month.

Price divided by a year's rent: 18.3. Lotvox reads under 15 as favoring buying and 20 or more as favoring renting.

In July 2008 the typical home in 26354 was worth $71,566.

Values peaked at $163,967 in February 2026. The latest reading is −1.7% from that peak.

As of August 2026: $161,235, +1.2% over twelve months.

Start with the typical home: $161,235. Put 20% down and borrow $128,988 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $893 a month in principal and interest.

The median household here earns $55,250 a year, $4,604 a month. So the payment takes 19.4% of income — rated “affordable” (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 8.6% in 2008.

Take the typical home's price each month, borrow 80% at that month's actual 30-year average rate: in July 2008 (6.43%) the payment was $359.

In December 2020, with rates at 2.68%, it was $399.

By August 2026, at 6.67%, it was $830 — +108% since December 2020, while the home's value moved +31%.

Reported values rose +125% since July 2008.

General prices (CPI-U) rose +53% over the same span.

Divide one by the other: in August 2026 dollars, the 2008 home was worth $109,181. So the real change is +48%, not +125%.

26354: +125% since July 2008.

Taylor County: +114% since July 2008.

West Virginia: +65% since July 2008 — 26354 ran ahead of it by 61 points.

Owning the typical home costs about $1,054 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $460 a month.

Price divided by a year's rent: 29.2. Lotvox reads under 15 as favoring buying and 20 or more as favoring renting.

Homes sold: about 0 a month in July 2025 (Redfin).

The 2015–2019 level for the same month was 0 — so sales ran at NaN% of it, and below it in 0 of the last 24 months.

Across Taylor County, builders pulled permits for 0 new homes in 2025.

No units were permitted.

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 8 a month (Redfin, 3-month rolling data through August 2026).

On the shelf — homes for sale at the end of the period: 26.

Going out — closed sales: about 4 a month. The drain is drawn 63% narrower: the share of homes for sale that sell each month is 37% of its 2015–2019 level.

The ladder: homes for sale ÷ monthly sales = 6.5 months of supply — above the 4–6 month balanced range. In the basin, that is the water level against the shaded balanced band.

The net reading: about 4 more homes came on than sold each month, so inventory is growing. The basin is filling.

Homes sold: about 4 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 4 — so sales ran at 100% of it, and below it in 9 of the last 24 months.

Across Taylor County, builders pulled permits for 0 new homes in 2025.

No units were permitted.

This ZIP sits in Taylor County. IRS tax returns for 2022-2023: among the ten counties sending the most households, 245 moved in. Among the ten receiving the most, 224 moved out.

Net across those counties: +21 households. Beside it, homes for sale in this ZIP: 1 in March 2025.

Most arrivals came from Harrison, WV (95 households); most departures went to Harrison, WV (99).

This ZIP sits in Taylor County. IRS tax returns for 2022-2023: among the ten counties sending the most households, 245 moved in. Among the ten receiving the most, 224 moved out.

Net across those counties: +21 households. Beside it, homes for sale in this ZIP: 26 in June 2026.

Most arrivals came from Harrison, WV (95 households); most departures went to Harrison, WV (99).