Hagerstown-Martinsburg, MD-WV · West Virginia
Berkeley County
126,165 residents1,172 permits TTM$77,329 median HHI10 ZIP codesUpdated April 28, 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 | Cap rate | Rent gap |
|---|---|---|---|---|---|
| 25421 | — | — | — | 6.0% | -28.8% |
| 25405 | — | — | — | 7.0% | -89.9% |
| 25419 | — | — | — | 7.0% | -92.4% |
| 25404 | — | — | — | 7.0% | -71.9% |
| 25401 | — | — | — | 6.6% | -44.2% |
Ranked by composite score
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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 28, 2026