Harpers Ferry, WV—25425
Real Estate Data & Market Trends
Key Metrics at a Glance
Home Price Trends — Harpers Ferry, WV
As of Oct '25, the median home price in Harpers Ferry, WV is $380,000, with a year-over-year change of 3.7%. This indicates that home prices in Harpers Ferry, WV are increasing. According to Zillow, the 1-year price projection is 0.4%, suggesting a relatively flat housing market in the next year.
Cost per Home Type
| Home Type | Median Home Value | YoY % Change |
|---|---|---|
All Homes | $380,000 | 3.7% |
| Single Family | $380,000 | 3.8% |
| Condos | N/A | N/A |
Cost per Home Size
| Home Size | Median Home Value | YoY % Change |
|---|---|---|
1 Bed | $202,000 | 0.0% |
2 Bed | $268,000 | 3.5% |
3 Bed | $382,000 | 4.1% |
4 Bed | $520,000 | 4.8% |
| 5 Bed | $578,000 | 3.4% |
% of Housing Stock
Rental Trends — Harpers Ferry, WV
As of July '25, Rentcast reports the average rent in Harpers Ferry, WV is $1,720, with a year-over-year rent change of 0.0%. Per bedroom, the median rent as of July '25 in Harpers Ferry, WV is 1-bedrooms: $1,170, 2-bedrooms: $1,720, 3-bedrooms: $2,160, 4-bedrooms: $2,600. The most common rental property sizes in Harpers Ferry, WV are 2-bedroom and 1-bedroom, accounting for 33.6% and 27.8% of the rental stock.
| Type | Median Rent | Average Rent |
|---|---|---|
| Average Rent | $1,900 | $1,720 |
| Studio Rent | N/A | N/A |
| 1 Bed Rent | $1,200 | $1,170 |
| 2 Bed Rent | $1,900 | $1,720 |
| 3 Bed Rent | $2,200 | $2,160 |
| 4 Bed Rent | $2,450 | $2,600 |
% of Rental Stock
Property Listings — Harpers Ferry, WV
As of Oct '25, Realtor.com reports that the median days on market for a home in Harpers Ferry, WV is 55. This is a increase of 14.0% from last year, suggesting that homes are sitting on the market longer than last year. The percentage of listed homes with a reduced price is 35.0%, representing a large inventory and a lot of supply pressure on home prices.
| Metric | Zip Code Average | Year over Year % Change |
|---|---|---|
Median Listing Price | $435,000 | 2.0% |
Listing Count | 69 | 17.0% |
| Listings as % of Homes | 0.6% | 17.0% |
Days on Market | 55 | 14.0% |
Demographics — Harpers Ferry, WV
As of the latest ACS Survey released in 2023, Harpers Ferry, WV has a population of 13,400, which has decreased by -1.4% over the past 5 years. Harpers Ferry, WV is a moderately popular place for families, as children make up 21.0% of the population. The area has a moderately educated workforce, with 32.7% of adult residents holding a bachelor’s degree or higher. There are some residents working remotely, with 16.7% reporting working from home.
| Metric | Latest Census | YoY % Change |
|---|---|---|
Population | 13,400 | -1.4% |
% Under 18 | 21.0% | -9.1% |
% Seniors | 18.9% | 47.7% |
% WFH | 16.7% | 203.6% |
% w/ College Degree | 32.7% | 16.4% |
As of the latest ACS Survey released in 2023, Harpers Ferry, WV is a predominantly white area, with 84.3% of the population identifying as white. The white population has shrunk by 7.5% in the last 5 years. The second most common race or ethnicity in Harpers Ferry, WV is hispanic, making up 7.0% of the population. Foreign-born residents account for 4.2% of the population in Harpers Ferry, WV, and this percentage has increased by 68.0% as of the ACS Survey 5 years prior, suggesting more immigrants are calling the area home.
Race and Ethnicity
| Metric | Latest Census | 5-Year % Change |
|---|---|---|
% White | 84.3% | -7.5% |
% Black | 2.1% | 31.2% |
% Hispanic | 7.0% | 45.8% |
% Asian | 1.4% | 180.0% |
% Foreign Born | 4.2% | 68.0% |
Mortgage and Risk — Harpers Ferry, WV
According to HUD data as of 2023, there were 342 mortgage originations in Harpers Ferry, WV, of which 73.0% of loans were conventional mortgages. The average loan-to-value was 64.0%, with 33.0% above 90% LTV (very high). This implies large mortgage risk in Harpers Ferry, WV. Investor activity is low, as 2.0% of loans were by investors. 13.0% of loans were cash-out refinances, suggesting many homeowners are tapping equity.
Mortgages
| Metric | Zip Code Average |
|---|---|
Total Loan Originations | 342 |
% Conventional Loans | 73.0% |
% Government Loans | 27.0% |
% Investor Loans | 2.0% |
% Second Loans | 3.0% |
% Cash Out Refinance | 13.0% |
Loan Activity
Rentals and Section 8 — Harpers Ferry, WV
As of 2024, the percent of homes in Harpers Ferry, WV under the Section 8 program is 0.7%. This is considered low, suggesting that the neighborhood is sparsely composed of Section 8 homes. Section 8 opportunity is good when HUD pays more than market rent. In Harpers Ferry, WV, none of the tracked home sizes currently have HUD payment amounts above market rent, suggesting limited Section 8 opportunity.
Section 8 Market Size
Total Units under HUD | 7 |
Total Units Section 8 | 7 |
% Rentals under Section 8 | 0.7% |
% Occupied Section 8 | N/A |
Section 8 Opportunity
| Home Size | HUD Premium | Market Rent | Max HUD Rent |
|---|---|---|---|
| 1 Bedroom | -$120 | $1,200 | $1,080 |
| 2 Bedroom | -$480 | $1,900 | $1,420 |
| 3 Bedroom | -$210 | $2,200 | $1,990 |
| 4 Bedroom | -$70 | $2,450 | $2,380 |
Affordability — Harpers Ferry, WV
Home Price to Income Ratio
| Metric | Zip Code Average |
|---|---|
| Home Price to Income Ratio | 3.6 |
| Median Home Price | $380,000 |
| Median Household Income | $90,100 |