Hagerstown-Martinsburg, MD-WV · West Virginia
Berkeley County
ZIP 25420
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 25420
Median home value
—
Gross yield
—
Buy Box score
0.7
Section 8 gap
—
Affordability
P/I: 4.4R/I: —
Section 8 detail
SAFMR: —Rent: —Gap: —
ZIP code breakdown10 ZIP codes
| ZIP | Median home value | Rent (FMR 2BR) | Gross yield | Cap rate ↓ | Rent gap |
|---|---|---|---|---|---|
| 25404 | — | — | — | 7.3% | — |
| 25405 | — | — | — | 7.1% | — |
| 25427 | — | — | — | 6.9% | — |
| 25419 | — | — | — | 6.8% | — |
| 25401 | — | — | — | 6.5% | — |
| 25421 | — | — | — | 6.0% | — |
| 25403 | — | — | — | 5.5% | — |
| 25428 | — | — | — | 4.7% | — |
| 25413 | — | — | — | 4.6% | — |
| 25420 | — | — | — | 4.4% | — |
Sort by any column. Click a ZIP for detail. Rent gap: green = HUD FMR above market rent.
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