Compare Martinsburg, WV mortgage rates and fees from top lenders. Review free, personalized mortgage rates based on your specifc loan amount, program and other factors. Easily compare APRs, closing costs and monthly payments to find the lowest mortgage rates in Martinsburg.
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August 17, 2025
Below we provide helpful information on the real estate market, home prices and housing affordability in Martinsburg. Understand how much you need to earn to afford a home in Martinsburg, including the mortgage you need to qualify for. Review the monthy payment so you can determine if owning a house in Martinsburg fits your budget. This information is based on proprietary analysis you can only find on FREEandCLEAR and we offer it to help you decide if living in Martinsburg is right for you.
The median home value for Martinsburg, WV (Berkeley County) is $246,464
Based on current mortgage rates and a 10% down payment, you need to make $51,416 per year to buy the median priced home in Martinsburg
With this income, you could qualify for a $221,818 mortgage, assuming your monthly debt expense is reasonable
Based on this loan amount, the monthly mortgage payment required to buy the median priced home in Martinsburg is $1,191
The median household income for Martinsburg, WV (Berkeley County) is $72,780
Based on this income, you can afford a home valued at approximately $348,872
The home price you can afford to buy based on household income in Martinsburg is 142% of the median home value which means housing prices are average. Martinsburg (Berkeley County) ranks 50 out of 55 counties in West Virginia and 2,097 out of 3,142 counties in the United States for housing affordability.
According to the FREEandCLEAR Housing Affordability Index, the housing market in Martinsburg, WV is average
Mortgage limits affect your loan terms, mortgage program eligibility and what price home you can afford. Review the loan limits for Martinsburg (Berkeley County) below.
Conforming loan limits for Martinsburg, WV
FHA loan limits for Martinsburg, WV