Lotvox market story
ZIP 24954
Pocahontas County, WV
What homes are worth, what they cost to carry, how fast they sell — one step at a time.
- Typical home value
- $152,840
- 12-month change
- +4.6%
- Months of supply
- 8.1
This week since 2026-10-08: Months of supply 8.1 (was 9.0) · Payment share of income 26.6% (was 26.3%)
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Who's going to sell in 24954 this year?
Lotvox Turnover Index
Ranking every home in 24954 by how likely it is to sell
The Lotvox Turnover Index isn't offered for 24954 yet.
Where
24954 in Pocahontas County, WV
24954 is one of 11 ZIP codes that lie mostly in Pocahontas County, WV.
Shaded by typical home value, it ranks 9 of the 11 with a value.
- Value rank in county
- 9 of 11
Source: U.S. Census Bureau, TIGER/Line boundaries; Zillow Home Value Index (ZHVI), Zillow Research
Local life
Schools in 24954
1 school location in 24954: 1 elementary.
In alphabetical order: MARLINTON 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 24954
In July 2008 the typical home in 24954 was worth $57,083.
Values peaked at $154,215 in April 2026. The latest reading is −0.9% from that peak.
As of August 2026: $152,840, +4.6% over twelve months.
- Typical home value
- $152,840
- 12-month change
- +4.6%
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: $152,840. Put 20% down and borrow $122,272 at 7.40%, the 30-year fixed average as of October 8, 2026.
That is $847 a month in principal and interest.
The median household here earns $38,203 a year, $3,184 a month. So the payment takes 26.6% 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 9.9% in 2008.
- Payment share of income
- 26.6%
- Monthly P&I
- $847
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 July 2008 (6.43%) the payment was $286.
In December 2020, with rates at 2.68%, it was $317.
By August 2026, at 6.67%, it was $786 — +148% since December 2020, while the home's value moved +56%.
- Payment change since 2020
- +148%
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 +168% 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 $87,086. So the real change is +76%, not +168%.
- Real change since 2008
- +76%
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
24954 against its neighbors
24954: +168% since July 2008.
Pocahontas County: +67% since July 2008.
West Virginia: +65% since July 2008 — 24954 ran ahead of it by 103 points.
- Change since 2008
- +168%
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 $999 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $617 a month.
Price divided by a year's rent: 20.6. Lotvox reads under 15 as favoring buying and 20 or more as favoring renting.
- Price-to-rent
- 20.6
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
Housing pulse
Listings Flow Ladder
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 7 a month (Redfin, 3-month rolling data through August 2026).
On the shelf — homes for sale at the end of the period: 27.
Going out — closed sales: about 3 a month. The drain is drawn 38% narrower: the share of homes for sale that sell each month is 62% of its 2015–2019 level.
The ladder: homes for sale ÷ monthly sales = 8.1 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.
- Months of supply
- 8.1
Source: Redfin Data Center (market tracker data); Lotvox analysis (calculations on the sources above) · data as of 2026-08-31
Housing pulse
Sales pace vs. normal
Homes sold: about 3 a month in August 2026 (Redfin).
The 2015–2019 level for the same month was 1 — so sales ran at 300% of it, and below it in 0 of the last 24 months.
- Sales vs 2015–19 level
- 300%
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 Pocahontas County, builders pulled permits for 7 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
- 7
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 24954 yet.
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What to do
