Real Estate Investing in Chapmanville, West Virginia (25524)

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

Lincoln County • Population: 2,373 • Data updated: September 2026

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Should you buy in 25524 (Chapmanville, WV)? Our answer, based on the numbers below.

🏠 For Homebuyers
MIXED
Grade C (57/100)

Mixed — values have been flat. OK for long-horizon buyers, less attractive if you may need to sell soon.

📈 For Investors
MIXED
3.0 / 5 (57/100)

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
5 flags
  • High vacancy: 19.3% of homes vacant — above national norms.
  • Declining values: -2.4% 5-year CAGR — values have moved lower.
  • 1-year downturn: Values declined 7.6% in the last year.
  • Elevated poverty: 27.2% poverty rate — can affect rent collection.

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

What’s happening in Chapmanville, WV (25524)?

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3.0/ 5

Investability

Overall investment appeal

1.0/ 5

Appreciation

Long-term value growth

5.0/ 5

Cashflow ROI

Rental yield potential

Avg Home Value $93,123
Avg Monthly Rent $873
1% Rule ✗ Does Not Meet
Median Income $42,083
% Renters 10.5%

Market Analysis: 25524 Chapmanville

ZIP 25524 inside Lincoln County looks affordable on the surface — median value of $93K — but the discount exists for reasons that a careful buyer should understand before committing.

Distressed does not mean uninvestable. It means the margin for error is thinner. ZIP 25524 rewards the prepared, punishes the overconfident, and leaves the math unchanged either way.

Nearby ZIPs in Chapmanville have seen price recovery that 25524 has not matched. Lincoln County data supports the view that the spread is structural rather than temporary.

The demographic picture in 25524 includes headwinds that any investor should price in. Income distribution skews lower than Chapmanville averages, and tenant stability requires active management.

leans the ZIP is not uninvestable, but it is unforgiving. Section 8 landlords, local operators, and specialized value-add funds are the investor types that tend to succeed.

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 Chapmanville:

C Below Average
Buy Confidence Score: 55/100
Affordability
25/25
Appreciation
0/25
Stability
7/20
Timing
8/15
Rental backup
15/15
Affordability
Affordable
Homes cost 2.2× the median income
Value Trend
Declining (-7.6%)
How home values changed in the past year
Rental Backup
Strong
Could rent for $873/mo if you need to move
Market Conditions
BALANCED
Even conditions for buyers and sellers
Bottom Line: This market may be challenging for buyers. Consider your timing and budget carefully.
⚖️
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

Market Trends

Home Value History (with trend line)

$119K$111K$102K$94K$86K$78KFeb 2019Nov 2022Jul 2026

📊 How Does 25524 Compare?

Metric 25524 Chapmanville Charleston, WV West Virginia
Home Value $93,123 $131,987 N/A $169,372
5-Year CAGR N/A 2.3% N/A 6.1%
Avg Rent $873 $813 N/A -
Cap Rate 7.3% 5.1% - -
💡 Why Invest in 25524? 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 25524 (Chapmanville, WV). Anonymous, moderated, never written by AI.

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Investability
Good
Cap Rate
7.3%
Good
5yr Growth
-2.4%
Declining

📉 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 $93,123
Monthly Rent $873
Price-to-Rent 8.9:1
1% Rule ✗ Fails

💰 Return Metrics

Gross Yield 11.3%
Cap Rate 7.3%
5-Year IRR 4.9%

📈 Home Appreciation

1-Year -7.6% ▼
3-Year CAGR -7.0% ▼
5-Year CAGR -2.4% ▼
10-Year CAGR N/A

🏠 Rent Trends

1-Year N/A
3-Year CAGR N/A
5-Year CAGR N/A
Neutral Leverage Cap Rate: 7.3%  |  30yr Rate: 6.8%
Leverage is roughly neutral here.

The current 30-yr mortgage rate (6.8%) is close to the estimated cap rate (7.3%). Financing this market at current rates produces a cash-on-cash return near the cap rate. Appreciation and tax benefits may still support the investment.

⚠️ Risk Signals

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

Vacancy
19.3%
Elevated risk
Landlord Climate
5.0/5
Friendly
Value Trend (5yr)
-2.4%
Declining
Eviction process: Fast Rent control: Favorable

Demographics in 25524

Population: 2,373

💰 Median Household Income
$42,083
This area
$42,083
State
$53,950
USA
$74,580
🏠 Renter Occupied
10.5%
This area
10.5%
State
19.0%
USA
34.0%
💼 Unemployment Rate
8.8%
This area
8.8%
State
-19.8%
USA
3.7%
🎓 College Educated
7.4%
This area
7.4%
State
-9.6%
USA
33.7%
👤 Median Age
44.4 years
This area
44.4 years
State
-3.8 years
USA
38.9 years
🏚️ Vacancy Rate
19.3%
This area
19.3%
State
23.5%
USA
10.5%
👥 Population by Ethnicity
White 98.3%
Other/Mixed 1.7%
👶 Under 18
21.6%
This area
21.6%
USA
22.0%
👴 65 and Over
17.5%
This area
17.5%
USA
17.3%
📊 Poverty Rate
27.2%
This area
27.2%
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 25524

A Avg School Grade
2 Schools
10.6:1 Avg Class Size
$14,829 Avg Per Pupil

Schools in This ZIP Code

A Very Good

Harts Pk-8

📚 Pre-K – 08 School
👥
301 Students
👨‍🏫
10.8:1 Class Size
💰
$14,994 Per Student
B+ Above Average

Hugh Dingess Elementary School

📚 Pre-K – 04 Elementary
👥
97 Students
👨‍🏫
10.5:1 Class Size
💰
$14,663 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

1 Nearby 489 Off-Campus Students
C
Southern West Virginia Community and Technical College
1,461 students · 12.3 mi

Frequently Asked Questions

What price range are homes in Chapmanville, WV?

Expect median prices around $93K in Chapmanville, WV. The market has run at a 0.0% 5-year CAGR, so entry costs have been reliable.

Is Chapmanville, WV a good place for real estate investing?

Chapmanville, WV rates 3.0/5 for investability. With median values at $93K and rents near $873/mo, the market offers reasonable fundamentals for rental investors.

Do landlords face vacancy issues in Chapmanville, WV?

Chapmanville, WV sees elevated vacancy, which is reasonable relative to the broader WV rental market.

What is the best play in Chapmanville, WV?

A careful cash-flow rentals with hands-on management strategy Chapmanville, WV best. The market produces stable results for that approach at the $93K price point.

Is the tenant base reliable in Chapmanville, WV?

Chapmanville, WV draws a predictable base of working renters. Demand at the $873/mo rent level is reasonable for standard single-family and small multi rentals.

You know 25524 now. You don’t know where it ranks.

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How 25524 ranks in Charleston, WV

Every ZIP in this metro, ranked. Free.

Cash Flow → Appreciation → Affordable → 1% Rule →
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