Hagerstown-Martinsburg, MD-WV · West Virginia
Berkeley County
126,165 residents1,172 permits TTM$77,329 median HHI10 ZIP codesUpdated April 16, 2026
Investor first look
Median home value
$248,000
ACS 5-Year
Cap rate proxy
6.0%
FMR × 0.65 ÷ Home Value
Rent-to-income
19.2%
HUD FMR ÷ ACS HHI
Net migration
+2.32%
IRS SOI
Permits (TTM)
1,172
Census BPS
Climate risk
68.3
FEMA NRI (0–100)
ZIP code breakdown10 ZIP codes
| ZIP | Median home value | Rent (FMR 2BR) | Gross yield | Buy Box score ↓ | Section 8 gap |
|---|---|---|---|---|---|
| 25404 | — | — | — | 0.9 | — |
| 25401 | — | — | — | 0.8 | — |
| 25405 | — | — | — | 0.8 | — |
| 25419 | — | — | — | 0.8 | — |
| 25427 | — | — | — | 0.8 | — |
| 25428 | — | — | — | 0.7 | — |
| 25413 | — | — | — | 0.7 | — |
| 25420 | — | — | — | 0.7 | — |
| 25403 | — | — | — | 0.5 | — |
| 25421 | — | — | — | — | — |
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Demographics
Owner-occupied
75.4%
Census ACS
Vacancy rate
6.0%
Census ACS
Bachelor's degree +
24.3%
Census ACS
Rent burdened
43.4%
Census ACS (>30% income)
Median age
38.7
Census ACS
U.S. Census Bureau — American Community Survey 5-Year Estimates
U.S. Census Bureau — Building Permits Survey
U.S. Department of Housing and Urban Development — Fair Market Rents / Small Area Fair Market Rents (SAFMR)
Internal Revenue Service — Statistics of Income Migration Data
FEMA — National Risk Index
Last updated: April 16, 2026