Lotvox market story
ZIP 26264
Pocahontas County, WV
What homes are worth, what they cost to carry, how fast they sell — one step at a time.
- Typical home value
- $128,944
- 12-month change
- −6.8%
- Payment share of income
- 19.9%
This week since 2026-10-08: Payment share of income 19.9% (was 19.7%) · Monthly P&I $714 (was $706)
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Who's going to sell in 26264 this year?
Lotvox Turnover Index
Ranking every home in 26264 by how likely it is to sell
The Lotvox Turnover Index isn't offered for 26264 yet.
Where
26264 in Pocahontas County, WV
26264 is one of 11 ZIP codes that lie mostly in Pocahontas County, WV.
Shaded by typical home value, it ranks 10 of the 11 with a value.
- Value rank in county
- 10 of 11
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 26264
In January 2015 the typical home in 26264 was worth $88,371.
Values peaked at $148,341 in July 2022. The latest reading is −13.1% from that peak.
As of August 2026: $128,944, −6.8% over twelve months.
- Typical home value
- $128,944
- 12-month change
- −6.8%
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: $128,944. Put 20% down and borrow $103,155 at 7.40%, the 30-year fixed average as of October 8, 2026.
That is $714 a month in principal and interest.
The median household here earns $43,000 a year, $3,583 a month. So the payment takes 19.9% 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 13.7% in 2015.
- Payment share of income
- 19.9%
- Monthly P&I
- $714
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 January 2015 (3.67%) the payment was $324.
In December 2020, with rates at 2.68%, it was $382.
By August 2026, at 6.67%, it was $663 — +74% since December 2020, while the home's value moved +9%.
- Payment change since 2020
- +74%
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 +46% since January 2015.
General prices (CPI-U) rose +42% over the same span.
Divide one by the other: in August 2026 dollars, the 2015 home was worth $125,784. So the real change is +3%, not +46%.
- Real change since 2015
- +3%
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
26264 against its neighbors
26264: +46% since January 2015.
Pocahontas County: +92% since January 2015.
West Virginia: +66% since January 2015 — 26264 ran behind it by 20 points.
- Change since 2015
- +46%
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 $843 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $688 a month.
Price divided by a year's rent: 15.6. Lotvox reads under 15 as favoring buying and 20 or more as favoring renting.
- Price-to-rent
- 15.6
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
Sales pace vs. normal
Homes sold: about 1 a month in August 2026 (Redfin).
The 2015–2019 level for the same month was 1 — so sales ran at 100% of it, and below it in 6 of the last 24 months.
- Sales vs 2015–19 level
- 100%
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 26264 yet.
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What to do
