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County in West Virginia

Berkeley County, West Virginia

Berkeley County, in West Virginia, has 129,514 residents: No. 2 of 55 by population. Berkeley County has an FHA limit of $541,287 for one-unit homes. The typical home value here is $266,300. HUD's Fair Market Rent for a 2-bedroom apartment is $1,215 a month; to pay it without spending more than 30% of your income, you need to earn about $23.37 an hour.

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  • Typical home price

    $266,300

    +64% vs. West Virginia −20% vs. U.S.

    Half of owner-occupied homes are worth more and half are worth less.

    • Berkeley
    • West Virginia
    • United States

    Source: U.S. Census Bureau, Average 2020–2024

  • Fair market rent, 2 bedrooms

    $1,215 a month

    +17% vs. West Virginia −31% vs. U.S.

    HUD's reference rent for a two-bedroom apartment, with basic utilities.

    • Berkeley
    • West Virginia
    • United States

    Source: HUD, Fiscal year 2027

  • FHA limit 2026, 1 unit

    $541,287

    FHA national floor limit

    The most you can borrow with an FHA loan for a one-unit home here.

    • Berkeley
    • Floor
    • Ceiling

    Source: HUD, 2026 data

  • Property tax

    0.52% of value per year

    −2% vs. West Virginia −45% vs. U.S.

    $1,398 a year for the typical owner

    • Berkeley
    • West Virginia
    • United States

    Source: U.S. Census Bureau, Average 2020–2024

Market now, with Zillow data

Zillow data
Typical home value
$321,823
3.6% more than 12 months ago
Typical rent
$1,757 a month
3.8% more than 12 months ago

From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).

Data from October 2026

In short

What is housing like in Berkeley County today?

The monthly payment on a typical home with FHA would be about $2,115, that is, 31% of the typical household income in Berkeley County. For that payment to be 28% of income, a household would need to earn about $90,663 a year; the typical income here is $80,815. Homes here are worth 64% more than the average across West Virginia. The typical property tax is $1,398 a year (about 0.52% of home value), higher than in West Virginia.

There are 1 agency with HUD-approved housing counselors who speak Spanish near here.

Sources: U.S. Census Bureau (Average 2020–2024); HUD (Retrieved November 6, 2026).

Only here

What sets Berkeley County apart

  1. Berkeley County has the highest typical rent of the 55 counties in West Virginia: $1,233.

  2. At $80,815, Berkeley County ranks 2nd among the 55 counties in West Virginia for the highest typical household income.

  3. Berkeley County has the highest typical rent in its area: $1,233, more than any of its 6 neighboring counties; next is Jefferson County ($1,108).

  4. Among the neighboring counties, Hardy County has the lowest typical home value ($166,300), 38% below the $266,300 in Berkeley County.

  5. Berkeley County has the 3rd highest typical home value of the 55 counties in West Virginia ($266,300).

  6. From 2020 to 2025, home prices in Berkeley County rose 57% on FHFA's index, faster than in West Virginia (40%).

Sources: U.S. Census Bureau (Average 2020–2024); FHFA (2025 data).

The homes here

Housing in Berkeley County

What homes there are in Berkeley County, what they cost, how that changed and how people live, from Census figures (2020–2024).

What homes there are

U.S. Census Bureau, ACS 5-year, 2020–2024

Kind of home

Detached houses are the majority in Berkeley County (68%), but less so than in West Virginia (71%).

Year built

Homes in Berkeley County are newer: the typical year built is 1996; in West Virginia, 1976.

Homes in Berkeley County are bigger: 76% have 3 bedrooms or more; in West Virginia, 65%.

All homes, occupied or empty. A figure the Census cannot measure precisely enough here is not shown.

Census tables: B25024, B25034, B25035, B25041

What it costs here

U.S. Census Bureau, ACS 5-year, 2020–2024

Value of owner-occupied homes

About 94% of owner-occupied homes in Berkeley County are worth less than the FHA loan limit for this county ($541,287).

Monthly rent with utilities

HUD's 2-bedroom fair market rent (FMR) for this county is $1,215: about 51% of rents in Berkeley County are below it.

With a mortgage

$1,521 a month

West Virginia: $1,255 a month

Without a mortgage

$425 a month

West Virginia: $398 a month

Owners with a mortgage

68%

West Virginia: 46%

Owning costs more in Berkeley County: with a mortgage, the typical cost is $1,521 a month; in West Virginia, $1,255. Without one, $425.

Value: what owners think their home is worth. Rent: rent plus utilities, for homes of every size. The FHA limit is the most an FHA loan (Federal Housing Administration) lends for a one-unit home; the fair market rent (FMR) is the one HUD uses for housing vouchers.

Census tables: B25075, B25063, B25088, B25081

How it changed

U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024

Change since 2015–2019

The typical home value in Berkeley County rose 46% since 2015–2019, more than in West Virginia (36%).

Rents in Berkeley County rose faster than in West Virginia: 24% since 2015–2019, against 20%.

The typical household income in Berkeley County rose 29% over that time; home values changed +46% and rent +24%.

Change between two 5-year periods that do not overlap, in each period's dollars, not adjusted for inflation.

Census tables: B25077, B25064, B19013

How people live

U.S. Census Bureau, ACS 5-year, 2020–2024

MeasureBerkeley CountyWest VirginiaUnited States
Rental vacancy Unreliable estimate6.7%5.5%
Homeowner vacancy Unreliable estimate1.2%0.9%
More than one person per room 2.3%1.3%3.4%
People per household 2.522.372.53
Drive alone 79%78%69%
Carpool 9%9%9%
Public transit Unreliable estimate1%3%
Walk or bike 1%3%3%
Work from home 10%9%15%
Other means 1%1%2%
Typical commute 20 to 29 minutes20 to 29 minutes20 to 29 minutes

In Berkeley County, 2.3% of households live with more than one person per room, against 1.3% in West Virginia.

On average, a household in Berkeley County has 2.52 people, more than in West Virginia (2.37).

The car rules in Berkeley County: 79% of workers drive to work alone, and the typical trip takes 20 to 29 minutes.

Vacancy: empty homes offered for rent or for sale. Rooms: every room in the home, not only bedrooms. Commute: the minute range of the typical worker.

Census tables: B25004, B25003, B25014, B25010, B08301, B08303

Do the math

What would you pay each month in Berkeley County?

A typical home is tight for the typical income

We start with a typical home of $266,300, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 31% of the typical household income here, which is $80,815 a year. For that payment to be 28% of income, a household would need to earn about $90,663 a year.

Your numbers

Local data
$

Starts at the typical home value in Berkeley County. Change it to the price you have in mind.

Loan type
Your credit score

Your score changes which loans apply and FHA's minimum down payment. Your real rate also depends on your credit.

Down payment
%

That is $9,321 (3.5% of the price). The usual minimum for this loan is 3.5%.

This week's average ± a quarter or half point.

Term

National average as of November 5, 2026 (Freddie Mac); your rate may be different.

Adjust advanced details

Estimated monthly payment

Local data

$2,116

at 7.18% · 30 years

Loan amount
$261,476
Total interest
$376,203
Paid off in
November 2056

Includes $4,497 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,886 a month

  • Tight

    $1,886 to $2,424 a month

    Your payment · 31%

  • Hard

    more than $2,424 a month

Compared with the typical household income in Berkeley County ($80,815 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$2,116
Principal & interest$1,771
Property tax$115
Home insurance$111
FHA mortgage insurance (MIP)$118

You need at least $9,321 for the down payment, plus closing costs.

Next step

This is an estimate to give you an idea, not a loan offer. Your real payment depends on your rate, your credit, and the insurance and taxes on the home you buy.

Buying a home

Buying a home in Berkeley County

Here you'll see how prices have changed, how Berkeley County compares with West Virginia and the country, and what you'd pay each month with four kinds of loans.

How have home prices changed?

According to the FHFA House Price Index, home prices in Berkeley County rose 90% in the 10 years through 2025. FHFA's index follows the price of the same homes over the years.

Period Here West Virginia United States
In 2025 +5.7% +4.1% +2.9%
5 years (2020–2025) +57% +40% +47%
10 years (2015–2025) +90% +54% +85%
See each year's change

The index follows the prices of the same homes over time (sales and appraisals on loans bought or guaranteed by Fannie Mae and Freddie Mac). It is not the average price of a home. FHFA considers its annual county indexes experimental. Source: FHFA, 2025 data

Berkeley County compared with West Virginia and the United States

Home value, rent and household income, side by side. "Typical" is the median: half are above it and half below.

Typical home value
  • Berkeley $266,300
  • West Virginia $162,600
  • United States $332,700
Typical rent a month
  • Berkeley $1,233
  • West Virginia $872
  • United States $1,413
Typical household income a year
  • Berkeley $80,815
  • West Virginia $59,608
  • United States $80,734
See the full table
Berkeley compared with West Virginia and the United States
MeasureHereWest VirginiaU.S.
Residents129,5141,778,373334,922,499
Typical home value$266,300$162,600$332,700
Typical household income$80,815$59,608$80,734
Typical rent$1,233$872$1,413
Fair Market Rent (2 bedrooms)$1,215$1,039$1,750
Hourly wage to rent a 2-bedroom$23.37$19.98$33.65
Typical property tax$1,398$865$3,119
Effective tax rate0.52%0.53%0.94%
Households that own their home76%75%65%
Renters spending 30% or more on rent48%49%51%
FHA limit (1 unit)*$541,287$541,287$541,287

FHA limit: West Virginia shows the median of its counties; the United States, the national floor. Download CSV

Four ways to pay for a typical home in Berkeley County

For a typical $266,300 home at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, the county's property tax, an example homeowners insurance and mortgage insurance when it applies.

Loan Monthly payment Down payment Loan amount Rate Mortgage insurance Cash to close Minimum score
FHA, 3.5% down $2,115 $9,321 $261,477 7.18% FHA MIP · $118 $17,310 580
Conventional, 5% down $2,067 $13,315 $252,985 7.18% PMI · $126 $21,304 620*
Conventional, 20% down, no PMI $1,670 $53,260 $213,040 7.18% None $61,249 620*
ITIN, 15% down (example) $1,916 $39,945 $226,355 8.18% None $47,934 Set by the lender
  • Cash to close = down payment plus 3% of the price in closing costs (example).
  • Minimum score: FHA requires 580 or higher for the minimum down payment (HUD Handbook 4000.1). * Fannie Mae requires 620 when a loan is underwritten by hand; its automated system has no fixed minimum.
  • The ITIN row is an example with a rate 1 percentage point higher: ITIN loans follow no federal rule and each lender sets its own down payment and rate. Nothing in this table promises an approval.

Everything about buying in Berkeley County: income, limits and help How much house can I afford? Closing costs

Loan limits

FHA loans in Berkeley County use the national floor limit: it isn't a high-cost area. If the loan you need is above these amounts, it doesn't fit FHA or it becomes a "jumbo" loan.

VA loans. If you have full VA entitlement, VA doesn't cap the loan amount. If you've used part of your entitlement, the calculation uses the county limit ($832,750 for one unit). VA loan limits (va.gov)

USDA loans. They're for homes in eligible rural areas and households with incomes within USDA's limit. Check whether the address and your income qualify on the official site. USDA eligibility (usda.gov)

Home type FHA limit Conforming limit
1 unit $541,287 $832,750
2 units $693,050 $1,066,250
3 units $837,700 $1,288,800
4 units $1,041,125 $1,601,750

Source: HUD, 2026 data · Source: FHFA, 2026 data

Taxes and risks

Property tax and flooding in Berkeley County

Two costs that change a lot from place to place and that a house payment does include: property tax and, in risk zones, flood insurance.

Property tax

In Berkeley County, the typical owner pays $1,398 a year: about 0.52% of the home's value. That is close to the rest of West Virginia and less than the national average.

  • Berkeley 0.52%
  • West Virginia 0.53%
  • United States 0.94%

What West Virginia publishes $20,000 homestead exemption for owners 65 or older or disabled (West Virginia Legislature (West Virginia Code))

Exemptions and deadlines in West Virginia

Is there a flood risk?

According to FEMA, in Berkeley County 2% of homes (913) are in a high-risk flood zone. Of those homes, 9.2% have NFIP flood insurance.

  • A high-risk zone (Special Flood Hazard Area) has a 1% or greater chance of flooding each year. (44 CFR 59.1)
  • If the home is in that zone and the loan comes from a regulated lender, federal law requires flood insurance for the life of the loan, in communities that take part in the NFIP. (42 U.S.C. 4012a)
  • Most homeowners insurance does not cover flood damage. (FEMA, FloodSmart)

Source: FEMA, As of August 3, 2026

Look up your address on FEMA’s map

Owning a home here

Owning a home in Berkeley County

The natural hazards FEMA measures in Berkeley County, a maintenance plan for your climate and what the trades earn in your area.

Risks to your home

FEMA, National Risk Index 1.20.0 (December 2025)

According to FEMA, the natural hazard risk in Berkeley County is relatively low.

FEMA builds that rating from three parts: expected loss, social vulnerability and community resilience.

The loss FEMA expects each year in Berkeley County from all natural hazards is $35.2 million, counting buildings, people and crops.

Of all the hazards, FEMA expects inland flooding to do the most damage to buildings: about $25 million a year.

Loss FEMA expects each year to homes and buildings, by hazard
  1. Inland floodingRelatively moderate $25 million a year
  2. HurricaneRelatively low $2.4 million a year
  3. EarthquakeRelatively low $671,600 a year
  4. TornadoRelatively low $605,792 a year
  5. Winter weatherRelatively moderate $51,793 a year

What it means for your home

The ratings are FEMA's own. FEMA says its data is meant for planning and does not replace a local study. Drought is not shown: FEMA counts its loss in crops only.

National Risk Index, version 1.20.0 (December 2025), retrieved November 6, 2026

FEMA notice: This product uses the Federal Emergency Management Agency's National Risk Index dataset API or downloadable datasets but is not endorsed by FEMA. The Federal Government or FEMA cannot vouch for the data or analyses derived from these data after the data have been retrieved from the Agency's website(s).

Climate and upkeep

Department of Energy (PNNL), 2021 IECC zones

Berkeley County is climate zone 4A in the home energy code (IECC): mixed and humid.

The zone's number says how hot or cold it gets; the letter says how humid: A is moist, B is dry and C is marine.

  • Spring

    • Book the air conditioner's check-up before the heat: ENERGY STAR advises checking the cooling system in the spring, because contractors get busy once summer comes. ENERGY STAR (EPA)
    • Clean and repair the roof gutters. EPA

  • Summer

    • Keep indoor humidity below 60 % (ideally between 30 % and 50 %). A humidity meter is inexpensive and sold at hardware stores. EPA
    • Keep the air conditioner's drip pan clean and its drain line flowing: a plugged drain can cause water damage in the house. ENERGY STAR (EPA)

  • Fall

    • Book the heating check-up in the fall. If it runs on gas or oil, the technician should check the connections: faulty ones are a fire hazard. ENERGY STAR (EPA)
    • Look for drafts at windows and doors: close the window on a piece of paper; if it moves back and forth easily, it needs thicker weather stripping. ENERGY STAR (EPA)

  • Winter

    • Get the house ready for the cold with insulation, caulking and weather stripping, and learn how to keep pipes from freezing. Ready.gov (FEMA)
    • Seal the air ducts that run through the attic, crawlspace, basement or garage with duct mastic or foil tape, then wrap them in insulation. ENERGY STAR (EPA)

All year

  • Check the air filter every month, especially in heavy-use months. If it looks dirty, change it; change it at least every 3 months. ENERGY STAR (EPA)
  • Test the smoke alarms every month and replace their batteries at least once a year. USFA (FEMA)

Each task comes from the official page beside it. The spring air-conditioning and fall heating check-ups are the timing ENERGY STAR advises; the rest is a suggested order.

Climate zones by county, 2021 IECC

What the trades charge here

BLS, wages for May 2025

TradeTypical hourly wage8 in 10 earn between
Electricians$29.96$21.81 and $45.21
Plumbers, pipefitters and steamfitters$26.50$18.04 and $42.25
Heating, air conditioning and refrigeration mechanics$28.08$18.29 and $42.21
Carpenters$27.21$18.46 and $33.92
Painters, construction and maintenance$20.71$15.75 and $30.82
Maintenance and repair workers, general$22.94$15.01 and $35.74

In the Hagerstown-Martinsburg, MD-WV area, half of electricians earn more than $29.96 an hour and half earn less; for a plumber, the typical figure is $26.50.

These are workers' hourly wages, not the price of a job.

BLS publishes no wages for roofers in this area.

Need help paying for a repair?

Renting

Renting in Berkeley County

The typical rent in Berkeley County is $1,233 a month. HUD also publishes a “fair market rent” by unit size: it's the one programs like Section 8 use.

48% of renter households in Berkeley County spend 30% or more of their income on housing. 21% spend half or more.

Fair market rent by size

To pay the fair market rent without spending more than 30% of income, working full time (40 hours a week).

Size Fair rent a month Hourly wage Income needed per year
Studio $884 $17.00 $35,360
1 bedroom $949 $18.25 $37,960
2 bedrooms $1,215 $23.37 $48,600
3 bedrooms $1,682 $32.35 $67,280
4 bedrooms $1,913 $36.79 $76,520

Includes basic utilities. It isn't the lowest or highest rent: it's a reference point. Source: HUD, Fiscal year 2027

Free help in Berkeley County

Programs and counseling in Berkeley County

There is 1 HUD-approved housing counseling agency in Berkeley County. They can help you get ready to buy, with your credit, with rent, or if you've fallen behind on payments.

Official programs for the down payment and loans for buyers. Check which ones you might qualify for with your income and your county.

A family roasts marshmallows over a campfire at a forest campsite.

HUD counseling is free or low-cost

West Virginia down payment programs

  1. Low Down Home Loan

    West Virginia state fund loan of up to $12,000 for the down payment and closing costs, over 15 years at 2% interest, only with the Homeownership Program mortgage

    The source does not say whether you must be a first-time buyer. Run by West Virginia Housing Development Fund (WVHDF).

    Repayable Verified November 5, 2026

Which programs do I qualify for? See all West Virginia programs

Help in Spanish in Berkeley County

1 of the 1 agencies on this list says it serves in Spanish.

Ask for service in Spanish

When you call, say “Spanish, please” or ask if someone speaks Spanish. If not, ask whether they offer an interpreter.

Public housing agencies

They run public housing and Section 8 vouchers (Housing Choice Vouchers) in this county.

  • Housing Authority of the City of Martinsburg Public housing and Section 8 vouchers (304) 263-8891

Free legal help

If you have a problem with your landlord, an eviction notice or a scam, the Legal Services Corporation (LSC) search shows the free legal aid offices that serve your area.

Find legal aid (lsc.gov)

Housing counseling nearby

These agencies have an office in Berkeley County. The full list is on the West Virginia counselors page. Official HUD list. Confirm hours and fees with the agency before you go.

  • Telamon Corporation - Martinsburg Branch

    67 Aikens Ctr, Martinsburg · Spanish

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 9 more
    (304) 263-0916
See every agency in West Virginia

Places

Cities in Berkeley County

This site has no city pages of Berkeley County. The neighboring counties are below.

See all 1 cities of Berkeley County

Nearby counties

Each row compares its typical value, typical rent and FHA limit with Berkeley County.

Read next

Guides that help here

We picked them by this county's numbers: what weighs most here is what's worth understanding first.

Frequently asked questions

What is the FHA loan limit in Berkeley County in 2026?

Berkeley County has an FHA limit of $541,287 for a one-unit home. For 2 units it's $693,050, for 3 it's $837,700 and for 4 it's $1,041,125. It's the national floor limit.

What is the conforming loan limit in Berkeley County?

Berkeley County has a conforming limit of $832,750 for one-unit conventional loans in 2026. A bigger loan is a “jumbo” loan.

How much does a typical home cost in Berkeley County?

The typical home value in Berkeley County is $266,300 (Average 2020–2024, U.S. Census). Across West Virginia it's $162,600.

How much does it cost to rent in Berkeley County?

Berkeley County has a typical rent of $1,233 a month (Average 2020–2024, U.S. Census). HUD's fair market rent for a 2-bedroom apartment is $1,215 (Fiscal year 2027).

How much do you need to earn to rent a 2-bedroom apartment in Berkeley County?

About $23.37 an hour working full time (2,080 hours a year), or $48,600 a year, so the fair market rent of $1,215 stays under 30% of income.

Sources: American Community Survey (Average 2020–2024); FHA mortgage limits (2026 data); Conforming loan limits (2026 data); Fair Market Rents (Fiscal year 2027); Income Limits (Fiscal year 2026); HUD-approved housing counseling agencies (Retrieved November 6, 2026); Public Housing Agencies (Retrieved November 6, 2026); Freddie Mac Primary Mortgage Market Survey (As of November 5, 2026); FHFA House Price Index (2025 data); Homes with flood insurance (As of August 3, 2026); National Risk Index (2025 data); IECC climate zones by county (2021 data); Occupational Employment and Wage Statistics (2025 data); Census Bureau cartographic boundary files (2024 data).