Real Estate Investing in Cottageville, West Virginia (25264)

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

Mason County • Population: 583 • Data updated: September 2026

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Should you buy in 25264 (Cottageville, WV)? Our answer, based on the numbers below.

🏠 For Homebuyers
GOOD FIT
Grade B (71/100)

Solid choice — stable market with a reasonable entry point and good rental backup if you ever need to move.

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

A cash-flow market — rent-to-price math works from day one, though value growth is modest. Great for income-focused investors.

⚠️ Risks to Know
1 flag
  • Elevated vacancy: 8.1% vacancy may signal weakening demand.

• Limited market data — this is a very small market; averages are built from few observations and can swing widely. • Modeled rent — no observed market rent for this ZIP; the figure is estimated from HUD fair-market rent.

What’s happening in Cottageville, WV (25264)?

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3.0/ 5

Investability

Overall investment appeal

2.0/ 5

Appreciation

Long-term value growth

4.0/ 5

Cashflow ROI

Rental yield potential

Avg Home Value $167,612
Avg Monthly Rent $1,062
1% Rule ✗ Does Not Meet
Median Income $60,039
% Renters 37.1%

Market Analysis: 25264 Cottageville

ZIP 25264 inside Mason County looks affordable on the surface — median value of $168K — but the discount exists for reasons that a careful buyer should understand before committing.

The 25264 ZIP can work — but only with a tight operating hand. Remote landlords and passive investors tend to struggle here more than the underwriting suggests.

Within WV, ZIP 25264 trails on several market indicators that neighboring Mason County submarkets outperform. The gap is real and impressive enough to shape underwriting.

The 25264 ZIP's population of 583 has faced economic pressure over the last decade. That pressure shows up in rent delinquency patterns that sits at the need for careful underwriting.

Distressed ZIPs reward experience. notable returns are possible in 25264, but they flow to investors who already understand how to operate in soft markets.

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 Cottageville:

C+ Average
Buy Confidence Score: 66/100
Affordability
20/25
Appreciation
18/25
Stability
7/20
Timing
6/15
Rental backup
15/15
Affordability
Affordable
Homes cost 2.8× the median income
Value Trend
Rising (+3.9%)
How home values changed in the past year
Rental Backup
Strong
Could rent for $1,062/mo if you need to move
Market Conditions
WARM
Seller-favorable conditions, steady activity
Bottom Line: Mixed signals in this market. Research specific properties carefully and be prepared to negotiate.
☀️
WARM MARKET
Point Pleasant, WV-OH Metro Area
Seller-favorable conditions, steady activity
0 days
Average time to sell
Very Fast
7.1%
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 Point Pleasant, WV-OH metro data

Market Trends

Home Value History (with trend line)

$177K$163K$149K$135K$121K$107KFeb 2019Nov 2022Jul 2026

📊 How Does 25264 Compare?

Metric 25264 Cottageville Point Pleasant, WV-OH West Virginia
Home Value $167,612 $175,557 N/A $169,372
5-Year CAGR 3.5% 4.0% N/A 6.1%
Avg Rent $1,062 $1,071 N/A -
Cap Rate 4.9% 4.8% - -
💡 Why Invest in 25264? Click to expand

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

A healthy rental market with 37% renter-occupied households ensures tenant availability.

📊 See where this ZIP ranks in our Best-of lists →
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Landlord Ground Truth

Real numbers from people who own or manage rentals in ZIP 25264 (Cottageville, WV). Anonymous, moderated, never written by AI.

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Investability
Good
Cap Rate
4.9%
Fair
5yr Growth
+3.5%
Moderate

📊 Market Snapshot

Home Value $167,612
Monthly Rent $1,062
Price-to-Rent 13.2:1
1% Rule ✗ Fails

💰 Return Metrics

Gross Yield 7.6%
Cap Rate 4.9%
5-Year IRR 8.4%

📈 Home Appreciation

1-Year +3.9% ▲
3-Year CAGR +3.8% ▲
5-Year CAGR +3.5% ▲
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: 4.9%  |  30yr Rate: 6.8%
Leverage reduces cash returns at current rates.

The current 30-yr mortgage rate (6.8%) exceeds the estimated cap rate (4.9%). 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
8.1%
Moderate risk
Landlord Climate
5.0/5
Friendly
Value Trend (5yr)
+3.5%
Stable
Eviction process: Fast Rent control: Favorable

Demographics in 25264

Population: 583

💰 Median Household Income
$60,039
This area
$60,039
State
$53,950
USA
$74,580
🏠 Renter Occupied
37.1%
This area
37.1%
State
19.0%
USA
34.0%
💼 Unemployment Rate
1.7%
This area
1.7%
State
-19.8%
USA
3.7%
🎓 College Educated
26.7%
This area
26.7%
State
-9.6%
USA
33.7%
👤 Median Age
61.9 years
This area
61.9 years
State
-3.8 years
USA
38.9 years
🏚️ Vacancy Rate
8.1%
This area
8.1%
State
23.5%
USA
10.5%
👥 Population by Ethnicity
White 100.0%
👶 Under 18
14.1%
This area
14.1%
USA
22.0%
👴 65 and Over
32.8%
This area
32.8%
USA
17.3%
📊 Poverty Rate
13.5%
This area
13.5%
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

Frequently Asked Questions

Is vacancy a concern in Cottageville, WV?

Expect elevated vacancy in Cottageville, WV. Rents at $1,062/mo are absorbed by the tenant base without meaningful lag.

Is Cottageville, WV a friendly market for rental owners?

For rental operators, Cottageville, WV rates as landlord-friendly. The regulatory environment standard buy-and-hold operations.

What kind of market is Cottageville, WV for investors?

Our data puts Cottageville, WV at 3.0/5 for investability. Home prices of $168K and rents around $1,062/mo create a solid backdrop for investor activity.

Is Cottageville, WV good for house hacking?

The house hack math a challenging in Cottageville, WV. Owner-occupant buyers benefit from the $1,062/mo rents and $168K home values.

What is the typical rental rate in Cottageville, WV?

The typical rental in Cottageville, WV commands about $1,062/mo monthly. That rent profile stable cash flow against the $168K purchase basis.

You know 25264 now. You don’t know where it ranks.

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How 25264 ranks in Point Pleasant, WV-OH

Every ZIP in this metro, ranked. Free.

Cash Flow → Appreciation → Affordable →
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