Lotvox market story
ZIP 25422
Morgan County, WV
What homes are worth, what they cost to carry, how fast they sell — one step at a time.
- Typical home value
- $275,915
- 12-month change
- +4.7%
- Payment share of income
- 40.1%
This week since 2026-10-08: Payment share of income 40.1% (was 39.6%) · Monthly P&I $1,528 (was $1,510)
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Who's going to sell in 25422 this year?
Lotvox Turnover Index
Ranking every home in 25422 by how likely it is to sell
The Lotvox Turnover Index isn't offered for 25422 yet.
Where
25422 in Morgan County, WV
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.
- Value rank in county
- 2 of 2
Source: U.S. Census Bureau, TIGER/Line boundaries; Zillow Home Value Index (ZHVI), Zillow Research
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What it costs
Home values
What homes are worth in 25422
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.
- Typical home value
- $275,915
- 12-month change
- +4.7%
Source: Zillow Home Value Index (ZHVI), Zillow Research · data as of 2026-08-31
Housing pulse
Monthly cost vs. price
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.
- Payment share of income
- 40.1%
- Monthly P&I
- $1,528
Source: Zillow Home Value Index (ZHVI), Zillow Research; Freddie Mac, 30-Year Fixed Rate Mortgage Average in the United States (MORTGAGE30US), retrieved from FRED®, Federal Reserve Bank of St. Louis; U.S. Census Bureau, American Community Survey 5-year estimates; Lotvox analysis (calculations on the sources above) · data as of 2026-08-31
Lotvox lens
The payment, at each month's rate
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%.
- Payment change since 2020
- +167%
Source: Zillow Home Value Index (ZHVI), Zillow Research; Freddie Mac, 30-Year Fixed Rate Mortgage Average in the United States (MORTGAGE30US), retrieved from FRED®, Federal Reserve Bank of St. Louis; Lotvox analysis (calculations on the sources above) · data as of 2026-08
Lotvox lens
Home value after inflation
Deflated with CPI-U (seasonally adjusted, FRED CPIAUCSL) to August 2026; the site's Housing pulse chart uses its own CPI series, so older months can differ slightly.
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%.
- Real change since 2008
- +42%
Source: Zillow Home Value Index (ZHVI), Zillow Research; U.S. Bureau of Labor Statistics, Consumer Price Index (CPI-U), via FRED®, Federal Reserve Bank of St. Louis; Lotvox analysis (calculations on the sources above) · data as of 2026-08
Deflated with CPI-U (seasonally adjusted, FRED CPIAUCSL) to August 2026; the site's Housing pulse chart uses its own CPI series, so older months can differ slightly.
Home values
25422 against its neighbors
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.
- Change since 2008
- +118%
Source: Zillow Home Value Index (ZHVI), Zillow Research; Lotvox analysis (calculations on the sources above) · data as of 2026-08
Lotvox lens
Rent or own
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.
- Price-to-rent
- 29.0
Source: Zillow Home Value Index (ZHVI), Zillow Research; U.S. Census Bureau, American Community Survey 5-year estimates; Freddie Mac, 30-Year Fixed Rate Mortgage Average in the United States (MORTGAGE30US), retrieved from FRED®, Federal Reserve Bank of St. Louis; Lotvox analysis (calculations on the sources above)
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What's moving
Housing pulse
Sales pace vs. normal
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.
- Sales vs 2015–19 level
- 83%
Source: Redfin Data Center (market tracker data); Lotvox analysis (calculations on the sources above) · data as of 2026-08
New supply
Homes being permitted
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).
- Units permitted 2025
- 130
Source: U.S. Census Bureau, Building Permits Survey · data as of 2025
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Who's holding, who's leaving
Housing pulse
Migration and inventory
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).
- Net households (top-10 flows)
- +82
Source: IRS Statistics of Income, county-to-county migration data; Redfin Data Center (market tracker data) · data as of 2026-06-01
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What to do
