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City · 18,904 residents · Berkeley County, West Virginia

Martinsburg , West Virginia

In Martinsburg, a typical home is worth $240,000 and typical rent is $1,150 a month. Compared with all of Berkeley County, typical household income is 26% lower, the typical home value is 10% lower, and the share of households that own their home is 28 points lower.

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  • Typical home value

    $240,000

    10% below the county

    48% above West Virginia

    • Martinsburg
    • Berkeley
    • West Virginia

  • Typical rent

    $1,150a month

    7% below the county

    32% above West Virginia

    • Martinsburg
    • Berkeley
    • West Virginia

  • Typical household income

    $59,555a year

    26% below the county

    About the same as West Virginia

    • Martinsburg
    • Berkeley
    • West Virginia

  • Households that own their home

    48%

    28 points below the county

    27 points below West Virginia

    • Martinsburg
    • Berkeley
    • West Virginia

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

Market now, with Zillow data

Zillow data
Typical home value
$311,434
3.3% more than 12 months ago
Typical rent
$1,648 a month
4.6% more than 12 months ago

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

Martinsburg is in Berkeley County. The FHA loan limit ($541,287 for a one-unit home), the fair market rents and the help on this page are those of all of Berkeley County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Martinsburg apart

What this place has that others do not, from public data, most unusual first.

  1. 48% of households in Martinsburg own their home, against 76% in Berkeley County.

  2. Martinsburg has the 2nd highest typical rent of the 31 cities in West Virginia with more than 5,000 people ($1,150).

  3. The typical household income in Martinsburg is $59,555, 26% less than in Berkeley County as a whole ($80,815).

  4. Nearby, in Morgantown, the typical rent is $937: 19% less than in Martinsburg ($1,150).

Sources: U.S. Census Bureau (Average 2020–2024).

The homes here

Housing in Martinsburg

What homes there are in Martinsburg, 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

The detached house is still the most common home in Martinsburg, but it weighs less than in Berkeley County: 55% against 68%.

Year built

Homes in Martinsburg are smaller: 58% have 3 bedrooms or more; in Berkeley County, 76%.

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
Monthly rent with utilities

HUD's 2-bedroom fair market rent (FMR) for Berkeley County is $1,215: about 57% of rents in Martinsburg are below it.

With a mortgage

$1,455 a month

Berkeley County: $1,521 a month

Without a mortgage

$477 a month

Berkeley County: $425 a month

Owners with a mortgage

68%

Berkeley County: 68%

In Martinsburg, 68% of owners have a mortgage; their typical cost is $1,455 a month, about the same as in Berkeley County.

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

From 2015–2019 to 2020–2024, the typical home value in Martinsburg rose 53%; in Berkeley County, it rose 46%.

Rents in Martinsburg rose at about the same pace as in Berkeley County: 21% since 2015–2019, against 24%.

To compare: typical income in Martinsburg rose 39%; the home, +53%; the rent, +21%.

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

MeasureMartinsburgBerkeley CountyWest VirginiaUnited States
Rental vacancy Unreliable estimateUnreliable estimate6.7%5.5%
Homeowner vacancy Unreliable estimateUnreliable estimate1.2%0.9%
More than one person per room Unreliable estimate2.3%1.3%3.4%
People per household 2.342.522.372.53
Drive alone 71%79%78%69%
Carpool 15%9%9%9%
Public transit Unreliable estimateUnreliable estimate1%3%
Walk or bike Unreliable estimate1%3%3%
Work from home 9%10%9%15%
Other means Unreliable estimate1%1%2%
Typical commute 20 to 29 minutes20 to 29 minutes20 to 29 minutes20 to 29 minutes

On average, a household in Martinsburg has 2.34 people, fewer than in Berkeley County (2.52).

Carpooling is common in Martinsburg: 15% of workers get to work that way, against 9% in Berkeley County.

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 for a home in Martinsburg?

A typical home costs more than the typical income allows

We start with a typical home in Martinsburg, worth $240,000, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 39% of the typical household income in Martinsburg, which is $59,555 a year. For that payment to be 28% of income, a household would need to earn about $82,738 a year.

The calculator's FHA and conventional loan limits are those of all of Berkeley County.

Your numbers

Local data
$

Starts at the typical home value in Martinsburg. 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 $8,400 (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

$1,931

at 7.18% · 30 years

Loan amount
$235,653
Total interest
$339,049
Paid off in
November 2056

Includes $4,053 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,390 a month

  • Tight

    $1,390 to $1,787 a month

  • Hard

    more than $1,787 a month

    Your payment · 39%

Compared with the typical household income in Martinsburg ($59,555 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$1,931
Principal & interest$1,596
Property tax$128
Home insurance$100
FHA mortgage insurance (MIP)$106

You need at least $8,400 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.

The city and its county

Martinsburg and Berkeley County

Martinsburg is in Berkeley County, West Virginia. The U.S. Census Bureau publishes its own numbers for the city: home values, rent, household income, how many households own their home and the property tax. They are American Community Survey estimates (average 2020–2024).

Martinsburg's own numbers

Typical home value
$240,000
Typical monthly rent
$1,150
Typical yearly household income
$59,555
Households that own their home
48%
Effective property tax rate
0.64%

U.S. Census Bureau, American Community Survey (average 2020–2024).

Numbers for all of Berkeley County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,215
Price change over 5 years (FHFA)
+57%
Homes in a high flood-risk zone
2%

HUD, FHFA and FEMA don't publish these numbers by city.

Other numbers are not published by city, only for the whole county: FHA and conventional loan limits, HUD’s fair market rents, FHFA’s price index and FEMA’s flood data. On this page, those numbers always say they are for all of Berkeley County.

Everything about Berkeley County

Buying

Buying a home in Martinsburg

A typical home in Martinsburg is worth $240,000: 10% below the county and 48% above West Virginia. With the typical household income in Martinsburg ($59,555 a year), a typical home costs 4.0 times what the household earns in a year.

Years of income to pay for a typical home

The typical home value divided by the typical household income for one year. The lower it is, the less buying weighs.

  • Martinsburg 4.0 years
  • Berkeley 3.3 years
  • West Virginia 2.7 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Berkeley County

According to FHFA’s house price index, home prices in Berkeley County rose 90% in the 10 years through 2025.

FHFA does not publish this index by city: these are the numbers for all of Berkeley County.

Period County West Virginia U.S.
Last year (2025) +5.7% +4.1% +2.9%
5 years (2020–2025) +57% +40% +47%
10 years (2015–2025) +90% +54% +85%

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

Martinsburg next to Berkeley County, West Virginia and the U.S.

Three numbers side by side. “Typical” means the median: half are above it and half below.

Typical home value
  • Martinsburg $240,000
  • Berkeley $266,300
  • West Virginia $162,600
  • United States $332,700
Typical monthly rent
  • Martinsburg $1,150
  • Berkeley $1,233
  • West Virginia $872
  • United States $1,413
Typical yearly household income
  • Martinsburg $59,555
  • Berkeley $80,815
  • West Virginia $59,608
  • United States $80,734
See the full table
Martinsburg next to Berkeley County and West Virginia
Measure Martinsburg Berkeley County West Virginia U.S.
Typical home value $240,000 $266,300 $162,600 $332,700
Typical monthly rent $1,150 $1,233 $872 $1,413
Typical yearly household income $59,555 $80,815 $59,608 $80,734
Households that own their home 48% 76% 75% 65%
Typical yearly property tax $1,529 $1,398 $865 $3,119
Effective property tax rate 0.64% 0.52% 0.53% 0.94%
Renters with high rent for their income 54% 48% 49% 51%

“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Berkeley County. “High rent” is the Census measure: renter households that pay 30% or more of their income in rent.

Four ways to pay for a typical home in Martinsburg

For a typical $240,000 home in Martinsburg, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Martinsburg's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $1,931a month

    Least cash to close
    Down payment
    $8,400
    Cash to close
    $15,600
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $106

  • Conventional, 5% down $1,887a month

    Down payment
    $12,000
    Cash to close
    $19,200
    Rate
    7.18%
    Mortgage insurance
    PMI · $114

  • Conventional, 20% down, no PMI $1,529a month

    Down payment
    $48,000
    Cash to close
    $55,200
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $1,751a month

    Down payment
    $36,000
    Cash to close
    $43,200
    Rate
    8.18%
    Mortgage insurance
    None

The option that asks for the least cash to close is FHA, 3.5% down.

  • 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.

How much house can I afford? Estimate closing costs

Taxes and floods

Two costs that change from place to place

Property tax and flood insurance raise or lower what you pay each month. Here are the numbers for Martinsburg and for Berkeley County.

Property tax

Effective rate in Martinsburg

0.64%of the home’s value each year

$1,529 a year for the typical owner in Martinsburg.

  • Martinsburg 0.64%
  • Berkeley 0.52%
  • West Virginia 0.53%

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

Flood risk in Berkeley County

FEMA does not publish these numbers by city: they are for all of Berkeley County.

Homes in the high-risk zone
2%
913
Of those, with NFIP insurance
9.2%
County West Virginia U.S.
Homes in the high-risk zone 2% 8.1% 3.5%
Of those, with NFIP insurance 9.2% 10% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Martinsburg

Typical rent in Martinsburg is $1,150 a month: 7% below the county. In Martinsburg, 54% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Berkeley County, by unit size. To pay the 2-bedroom one ($1,215 a month) without spending more than 30% of your income, you would need to earn $23.37 an hour working full time.

HUD fair market rent for all of Berkeley County

What you need to earn to pay it without spending more than 30% of income, working full time.

Size Fair rent a month Hourly wage Yearly income
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

By ZIP code

Fair market rent by ZIP code in Martinsburg

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Martinsburg has 3 ZIP codes with their own.

For 2 bedrooms it runs from $1,110 in 25401 to $1,310 in 25403.

2 of the 3 are above the fair market rent for Berkeley County ($1,215).

  • 25401 $1,110$1,540
  • 25403 $1,310$1,810
  • 25404 $1,220$1,690

3 of these ZIP codes cross the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Martinsburg when at least 50% of its land is inside the city or it covers at least 15% of the city (Census 2020 boundaries). Source: Small Area Fair Market Rents (HUD) Fiscal year 2027 Small Area Fair Market Rents (HUD) Source: Census Bureau ZCTA-to-place relationship file Data from 2020 data Census Bureau ZCTA-to-place relationship file

Is your rent high for your ZIP?

Low-income apartments

Low-income apartments in Martinsburg

HUD lists 22 buildings with rents for lower incomes in Martinsburg. These are the largest.

  • Martinsburg Housing 300 Silver Ln, Martinsburg 25401 327 low-income homes · Run by Housing Authority of the City of Martinsburg · Average payment: $369 a month · Average wait: 27 months (304) 263-8891
  • Martin's Landing Apartment Homes and Timberleaf Estates 2100 Martins Landing Cir, Martinsburg 25401 257 low-income homes · 2 bd: 102 · 3 bd: 101 · 4 bd: 54 · In service since 2015 · For families
  • Martins Landing Phase I 2101 Martins Landing Cir, Martinsburg 25401 164 low-income homes · 2 bd: 82 · 3 bd: 82 · In service since 1997
  • Cottages of Martinsburg 17 Cottage Rd, Martinsburg 25404 120 low-income homes · 2 bd: 60 · 3 bd: 60 · In service since 1997
  • Capital Heights Townhouses 16 Boarman Pl, Martinsburg 25401 110 low-income homes · For families (304) 263-1801

See all 26 buildings in Berkeley County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Martinsburg

You do not have to do this alone. A HUD-approved housing counseling agency helps for free or at low cost: getting ready to buy, understanding your credit, or solving a problem with your rent.

There is 1 HUD-approved agency with an office in Berkeley County; 1 says it serves in Spanish.

A grandmother smiles, seated at home.

HUD counseling is free or low-cost

Assistance programs in Martinsburg

No down payment, repair or rent-help program on our list is for Martinsburg or Berkeley County. The ones below are statewide in West Virginia: they work in Martinsburg the same as in the rest of the state.

Which programs do I qualify for? All programs in West Virginia

  • Low Down Home Loan

    Statewide in West Virginia

    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. Offered by West Virginia Housing Development Fund (WVHDF).

    Repayable

    See the program Official page

Housing counselors near Martinsburg

The HUD-approved agencies closest to the center of Martinsburg, in a straight line, nearest first. If one says it serves in Spanish, its card says so.

  • Telamon Corporation - Martinsburg Branch

    67 Aikens Ctr, Martinsburg · 2 miles away · Spanish

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 9 more
    (304) 263-0916

  • Homeownership Center, Inc.

    2276 Randolph Ave, Elkins · 105 miles away

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 7 more
    (304) 636-9115

  • The Fairmont-Morgantown Housing Authority

    103 12th St, Fairmont · 116 miles away

    • Mortgage delinquency and default
    • Home improvement and repairs
    • and 5 more
    (304) 363-0860

Every agency in Berkeley County All counseling agencies in West Virginia

Help in Spanish near Martinsburg

1 of the 3 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.

Housing authorities of Martinsburg

HUD’s record names them for Martinsburg or Berkeley County. They run public housing or Section 8 vouchers. Ask whether their waiting list is open.

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

All housing agencies in West Virginia Source: HUD

Cities

Nearby cities

The cities closest to Martinsburg, with the typical home value.

Everything about Berkeley County Housing in West Virginia

Neighboring counties

If Berkeley County is out of reach, look next door. Each number is that county's own.

Keep going

Guides for your next step

Short explanations, in plain language and with official sources, for buying or renting in Martinsburg.

All guides
A father holds his baby and his young son by a white picket fence.

Questions

Housing questions about Martinsburg

Short answers with the numbers for Martinsburg and all of Berkeley County. If your case is different, a HUD-approved counseling agency can guide you for free or at low cost.

How much does a typical home cost in Martinsburg?

The typical home value in Martinsburg is $240,000, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Berkeley County it is $266,300.

How much does it cost to rent in Martinsburg?

Typical rent in Martinsburg is $1,150 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Berkeley County is $1,215.

What is the FHA loan limit in Martinsburg?

Martinsburg uses the FHA limit for all of Berkeley County (2026): $541,287 for a one-unit home and $1,041,125 for a four-unit home.

How much property tax do owners pay in Martinsburg?

The typical homeowner in Martinsburg pays $1,529 a year, according to the U.S. Census Bureau. That is 0.64% of the home’s value; in Berkeley County, the rate is 0.52%.

Where can I find free help to buy or rent in Martinsburg?

There is 1 HUD-approved counseling agency with an office in Berkeley County. 1 says it serves in Spanish. They can help you get ready to buy, with your credit, or with rent.

Sources: American Community Survey (ACS) 5-year estimates (Average 2020–2024); FHA mortgage limits (HUD) (2026 data); Conforming loan limits (FHFA) (2026 data); Fair Market Rents (HUD) (Fiscal year 2027); Small Area Fair Market Rents (HUD) (Fiscal year 2027); Census Bureau ZCTA-to-place relationship file (2020 data); HUD-approved housing counseling agencies (Retrieved November 6, 2026); Public Housing Agencies (HUD) (Retrieved November 6, 2026); Freddie Mac Primary Mortgage Market Survey (PMMS) (As of November 5, 2026); FHFA House Price Index (HPI) (2025 data); Homes with flood insurance (NFIP, FEMA) (As of August 3, 2026).