Lotvox market story
ZIP 26804
Pendleton County, WV
What homes are worth, what they cost to carry, how fast they sell — one step at a time.
- Typical home value
- $188,856
- 12-month change
- +9.2%
- Payment share of income
- 32.3%
This week since 2026-10-08: Payment share of income 32.3% (was 31.9%) · Monthly P&I $1,046 (was $1,034)
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Who's going to sell in 26804 this year?
Lotvox Turnover Index
Ranking every home in 26804 by how likely it is to sell
The Lotvox Turnover Index isn't offered for 26804 yet.
Where
26804 in Pendleton County, WV
26804 is one of 8 ZIP codes that lie mostly in Pendleton County, WV.
Shaded by typical home value, it ranks 7 of the 7 with a value.
- Value rank in county
- 7 of 7
Source: U.S. Census Bureau, TIGER/Line boundaries; Zillow Home Value Index (ZHVI), Zillow Research
Local life
Schools in 26804
1 school location in 26804: 1 middle.
In alphabetical order: NORTH FORK ELEMENTARY SCHOOL. Locations only — no ratings are shown here.
- School locations
- 1
Source: U.S. Department of Education, National Center for Education Statistics (school locations)
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What it costs
Home values
What homes are worth in 26804
In February 2019 the typical home in 26804 was worth $107,481.
Values peaked at $190,268 in June 2026. The latest reading is −0.7% from that peak.
As of August 2026: $188,856, +9.2% over twelve months.
- Typical home value
- $188,856
- 12-month change
- +9.2%
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: $188,856. Put 20% down and borrow $151,085 at 7.40%, the 30-year fixed average as of October 8, 2026.
That is $1,046 a month in principal and interest.
The median household here earns $38,875 a year, $3,240 a month. So the payment takes 32.3% 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 18.4% in 2019.
- Payment share of income
- 32.3%
- Monthly P&I
- $1,046
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 February 2019 (4.37%) the payment was $429.
In December 2020, with rates at 2.68%, it was $409.
By August 2026, at 6.67%, it was $972 — +137% since December 2020, while the home's value moved +49%.
- Payment change since 2020
- +137%
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 +76% since February 2019.
General prices (CPI-U) rose +32% over the same span.
Divide one by the other: in August 2026 dollars, the 2019 home was worth $141,769. So the real change is +33%, not +76%.
- Real change since 2019
- +33%
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
26804 against its neighbors
26804: +76% since February 2019.
Pendleton County: +84% since February 2019.
West Virginia: +49% since February 2019 — 26804 ran ahead of it by 27 points.
- Change since 2019
- +76%
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 $1,235 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $488 a month.
Price divided by a year's rent: 32.3. Lotvox reads under 15 as favoring buying and 20 or more as favoring renting.
- Price-to-rent
- 32.3
Source: Zillow Home Value Index (ZHVI), Zillow Research; Zillow Observed Rent Index (ZORI), 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)
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What's moving
New supply
Homes being permitted
Across Pendleton County, builders pulled permits for 23 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
- 23
Source: U.S. Census Bureau, Building Permits Survey · data as of 2025
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Who's holding, who's leaving
No who's holding, who's leaving data is published for 26804 yet.
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What to do
