Real Estate Investing in Alum Creek, West Virginia (25202)

Everything the listing leaves out — vacancy, rent trend, cap rate, landlord climate. All free.

Lincoln County • Population: 1,408 • Data updated: September 2026

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Should you buy in 25202 (Alum Creek, WV)? Our answer, based on the numbers below.

🏠 For Homebuyers
GOOD FIT
Grade B (72/100)

Solid choice — values are growing steadily and the market is stable enough to buy with confidence.

📈 For Investors
MIXED
3.0 / 5 (52/100)

A middle-of-the-road market. Workable, but the best opportunities may be nearby ZIPs rather than this one.

⚠️ Risks to Know
1 flag
  • High vacancy: 20.2% of homes vacant — above national norms.

• Modeled rent — no observed market rent for this ZIP; the figure is estimated from HUD fair-market rent.

What’s happening in Alum Creek, WV (25202)?

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3.0/ 5

Investability

Overall investment appeal

3.0/ 5

Appreciation

Long-term value growth

4.0/ 5

Cashflow ROI

Rental yield potential

Avg Home Value $162,198
Avg Monthly Rent $864
1% Rule ✗ Does Not Meet
Median Income $93,125
% Renters 13.4%

Market Analysis: 25202 Alum Creek

This part of Lincoln County is not an easy win. The 25202 ZIP sits at softness in key indicators, and the playbook that works in cleaner markets often stalls here.

Distressed does not mean uninvestable. It means the margin for error is thinner. ZIP 25202 rewards the prepared, punishes the overconfident, and leaves the math unchanged either way.

Statewide comparisons place 25202 among WV's softer markets. That context does not make the ZIP uninvestable, but it does raise the bar for due diligence.

Demographically, 25202 is a market where tenant selection matters more than unit finishes. Operators who understand that tend to do fine; those who do not tend to learn why the ZIP trades at a discount.

New investors are better served looking at Alum Creek's stable or hybrid ZIPs before stepping into 25202. The learning curve here is expensive when the lesson is wrong.

Explore the Data — Click a Tab Below
🏦 Current 30-yr Fixed Mortgage Rate: 6.76% as of Sep 10 Source: Freddie Mac PMMS

Here's what matters if you're considering buying a home in Alum Creek:

B Good
Buy Confidence Score: 77/100
Affordability
25/25
Appreciation
22/25
Stability
7/20
Timing
8/15
Rental backup
15/15
Affordability
Affordable
Homes cost 1.7× the median income
Value Trend
Rising (+7.1%)
How home values changed in the past year
Rental Backup
Strong
Could rent for $864/mo if you need to move
Market Conditions
BALANCED
Even conditions for buyers and sellers
Bottom Line: Mixed signals in this market. Research specific properties carefully and be prepared to negotiate.
⚖️
BALANCED MARKET
Charleston, WV Metro Area
Even conditions for buyers and sellers
41 days
Average time to sell
Average
7.8%
Listings with price cuts
Few Cuts
0.0%
Sale price vs asking
Below Ask
0.0%
Income needed for mortgage
Affordable
📅 Market conditions as of August 29, 2026 — updated weekly from Charleston, WV metro data
🏠

Property Strategy for 25202

Which property type performs best in this market?

Best for Cash Flow
2BR
6.4% cap rate
Best for Appreciation
2BR
+7.4% 5yr CAGR
Best Overall Value
3BR
$53,068/bedroom
📊 Compare All Property Types →
Type Median Value Est. Rent Cap Rate 5yr CAGR $/Bedroom
2BR $108,206 $960 6.4% +7.4% $54,103
3BR $159,204 $1,240 5.6% +5.7% $53,068

Market Trends

Home Value History (with trend line)

$167K$154K$140K$127K$114K$101KFeb 2019Nov 2022Jul 2026

📊 How Does 25202 Compare?

Metric 25202 Alum Creek Charleston, WV West Virginia
Home Value $162,198 $129,758 N/A $169,372
5-Year CAGR 5.9% 3.5% N/A 6.1%
Avg Rent $864 $834 N/A -
Cap Rate 4.2% 5.3% - -
💡 Why Invest in 25202? Click to expand

With a 3/5 investability rating, this ZIP shows solid fundamentals for buy-and-hold investors.

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Landlord Ground Truth

Real numbers from people who own or manage rentals in ZIP 25202 (Alum Creek, WV). Anonymous, moderated, never written by AI.

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Investability
Good
Cap Rate
4.2%
Fair
5yr Growth
+5.9%
Moderate

📉 Market Crash Risk Index

Based on Charleston, WV metro

2/10
Low Risk
Price YoY
0/3
N/A
Rent YoY
0/2
N/A
Below List
1/3
58%
Days Pending
1/2
41 days

View all metro crash risk rankings →

📊 Market Snapshot

Home Value $162,198
Monthly Rent $864
Price-to-Rent 15.6:1
1% Rule ✗ Fails

💰 Return Metrics

Gross Yield 6.4%
Cap Rate 4.2%
5-Year IRR 10.1%

📈 Home Appreciation

1-Year +7.1% ▲
3-Year CAGR +3.8% ▲
5-Year CAGR +5.9% ▲
10-Year CAGR N/A

🏠 Rent Trends

1-Year N/A
3-Year CAGR N/A
5-Year CAGR N/A
Negative Leverage — IRR / Tax Play Cap Rate: 4.2%  |  30yr Rate: 6.8%
Leverage reduces cash returns at current rates.

The current 30-yr mortgage rate (6.8%) exceeds the estimated cap rate (4.2%). Financing reduces your cash-on-cash return below the cap rate. Markets like this may still make sense as IRR plays — factoring in appreciation, depreciation, and a future refinance when rates drop.

Run an IRR Analysis →

⚠️ Risk Signals

Composite view of factors that can impact a ZIP's stability and your downside risk.

Vacancy
20.2%
Elevated risk
Landlord Climate
5.0/5
Friendly
Value Trend (5yr)
+5.9%
Stable
Eviction process: Fast Rent control: Favorable

Demographics in 25202

Population: 1,408

💰 Median Household Income
$93,125
This area
$93,125
State
$53,950
USA
$74,580
🏠 Renter Occupied
13.4%
This area
13.4%
State
19.0%
USA
34.0%
💼 Unemployment Rate
1.5%
This area
1.5%
State
-19.8%
USA
3.7%
🎓 College Educated
17.3%
This area
17.3%
State
-9.6%
USA
33.7%
👤 Median Age
41.9 years
This area
41.9 years
State
-3.8 years
USA
38.9 years
🏚️ Vacancy Rate
20.2%
This area
20.2%
State
23.5%
USA
10.5%
👥 Population by Ethnicity
White 98.1%
Hispanic/Latino 1.6%
Other/Mixed 1.6%
Asian 0.3%
👶 Under 18
23.7%
This area
23.7%
USA
22.0%
👴 65 and Over
12.5%
This area
12.5%
USA
17.3%
📊 Poverty Rate
4.2%
This area
4.2%
USA
11.5%

Crime & Safety

🚧

Crime & Safety Data Coming Soon

We're integrating comprehensive crime statistics including violent crime rates, property crime, and safety scores to help you make informed investment decisions.

Expected: Q1 2025

🎓 Schools in 25202

A Avg School Grade
1 Schools
14.5:1 Avg Class Size
$17,075 Avg Per Pupil

Schools in This ZIP Code

A Very Good

Andrews Heights Elementary School

📚 Pre-K – 05 Elementary
👥
261 Students
👨‍🏫
14.5:1 Class Size
💰
$17,075 Per Student
About Repit School Scores

Traditional school ratings rely heavily on standardized test scores, which often reflect family income more than school quality. Repit takes a different approach.

We evaluate schools based on factors that research shows actually impact educational outcomes:

  • Class Size — Smaller classes mean more individual attention
  • School Funding — Resources available for programs, staff, and facilities
  • Community Factors — Neighborhood characteristics that influence student success
  • School Environment — Size, type, and structure

Scores are updated annually using federal education data.

🎓 Nearby Colleges & Universities

8 Nearby 1,505 Off-Campus Students
C+
Ben Franklin Career Center
99 students · 6.5 mi
C+
West Virginia State University
3,458 students · 6.6 mi
C
West Virginia Junior College-Charleston
317 students · 8.2 mi
C
BridgeValley Community & Technical College
1,793 students · 8.8 mi
C
Strayer University-West Virginia
395 students · 10.4 mi
C
University of Charleston
2,758 students · 12.9 mi
C
Mountain State School of Massage
33 students · 14.9 mi
C+
Boone Career and Technical Center
85 students · 14.9 mi

Investor Insight: With 1,505 students living off-campus nearby, this area has strong rental demand from the college population.

Frequently Asked Questions

What is the median home value in Alum Creek, WV?

Expect median prices around $162K in Alum Creek, WV. The market has run at a 0.0% 5-year CAGR, so entry costs have been steady.

What is the smart move for investors in Alum Creek, WV?

Most investors in Alum Creek, WV run a careful cash-flow rentals with hands-on management strategy. It aligns with the 3.0/5 investability profile and the market fundamentals.

What is the typical renter like in Alum Creek, WV?

Tenant quality in Alum Creek, WV ranks as solid. Landlords generally report consistent occupancy at market rents of $864/mo.

Can I house hack in Alum Creek, WV?

Alum Creek, WV is a a challenging market for house hackers. FHA or conventional owner-occupant buyers find the $162K price point reasonable to enter.

Is WV a landlord-friendly state?

Landlord-friendliness in Alum Creek, WV is landlord-friendly. Eviction timelines and lease enforcement are considered reasonable by most property managers.

You know 25202 now. You don’t know where it ranks.

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How 25202 ranks in Charleston, WV

Every ZIP in this metro, ranked. Free.

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