CautiousUpdated SEP 1, 2026

Clendenin, WV

ZIP 25111· Clay County· Charleston, WV· 211 residents· Leaning Buyer

25111 · Clendenin, WV has a HavenScore of 34 — growth is the soft spot — population, income, and price trends point the wrong way.

The buyer/seller gauge leans narrowly toward buyers, and has for 7 months. Typical values moved higher over the last 90 days (Zillow ZHVI). The cautious band reflects the longer-run affordability and risk picture; the buyer lean is the near-term negotiating climate, and the two can differ.

Saved ZIPs on Haven get an email when the score moves 5+ points as monthly data lands, when the market gauge flips between buyers and sellers, when its valuation read moves against the model value, or when distress jumps in a week.

Zillow ZHVI peaked at $135,604 in Aug 2022; the latest value is -16.8% from that peak, 47 months on. The sharpest 12-month move was -15.3%, ending Jul 2025.

Median price
$112,865
+3.82% past 12 mo
Est. monthly payment
$684/ mo
20% down · 30-yr fixed · 6.71% · incl. tax + insurance
CompareShare card
34

The typical ZIP scores 50 — this one sits below it

HavenScore: higher than 1% of scored ZIPs.
▲ +4 / 90d#72/75 in WVHavenScore
Rank

This ZIP has fewer than 5,000 residents, so it isn’t ranked against larger markets. The HavenScore is shown for reference.

Switch perspective

Buyer view active — Leans harder on affordability and downside risk.

Score inputs below recompute for this view

Affordability
—/100
Growth
30/100
Risk
45/100
Momentum
—/100
Livability
17/100
Score · trailing 12 mo
42 → 34
-8 points
30-day
+2
90-day
+4
1-yr
-8

Snapshot

Numbers at a glance, with a year of history under each

Median price
$112,865
up+3.8% 12 mo
Typical home value across the middle tier of homes here — a smoothed Zillow index, steadier than individual sale prices.
Median price: higher than 2% of scored ZIPs.
Twelve-month trend shown as a sparkline; the newest value is $112,865.
Est. monthly payment
$684
At the median value with 20% down, a 30-year fixed at 6.71%, plus property tax and insurance.
Population
211
Current resident estimate. Growth is a demand tailwind; decline is a structural risk.
Twelve-month trend shown as a sparkline; the newest value is 211.
Vacancy
33.1%
Above-average. Share of housing units that are vacant in this ZIP, from the latest US Census ACS 5-year tables.
Owner-occupied
95%
of homes. Share of occupied housing units owned by their occupants (vs. rented), from the US Census ACS.
Denial rate
23.1%
Above-average. Share of mortgage applications denied in this ZIP, from the latest CFPB / FFIEC HMDA disclosures.
Lending activity
110
originations. Mortgage originations recorded in this ZIP in the most recent HMDA reporting year. Higher counts = more active lending market.
Net migration
-57.9%
net outflow. Net migration as a share of population, from IRS SOI county-to-county migration data. Positive = more people moving in than out.
Income inflow
$46k
average. Average gross income of households moving INTO this ZIP, from IRS SOI data. Higher = ZIP attracting higher-income households.

Place

What it is like to live here, and what could flood or burn

Place profile
WalkabilityLeast walkable
EPA index 3.9 of 20 · EPA Smart Location Database · Jun 2021 · above 5% of scored ZIPs
Transit accessNo transit data
EPA publishes no stop distance for most block groups
Typical commuteLonger commute than typical
37 minutes one way · US median ZIP 22 · US Census ACS · above 2% of scored ZIPs
Jobs nearbyFew jobs nearby
4 jobs per sq mi · US Census LODES · above 1% of scored ZIPs
Physical riskRelatively Moderate (FEMA)
FEMA National Risk Index composite · Dec 2025 release · above 54% of scored ZIPs

Bands are each source’s own · tick marks the national median ZIP · not blended into the score

Hazard ledger · FEMA National Risk Index

Tract-level rolled up to ZIP · not a property-level rating · no future-year projection · refreshed annually (Dec 2025 release) · county tick = median of 8 scored ZIPs in Clay County

Everyday prices · BEA Regional Price Parities

Everyday prices in the Charleston metro run 11% below the US average (BEA Regional Price Parities, 2024).

Rents in the index run 49% below the US average.

$75,000 at US-average prices buys what $66,550 buys here.

Metro-level index, US = 100 · 2024 · the Charleston metro, not this ZIP alone

Housing cost burden · US Census ACS
Owners spending over 50% of income0%
US median ZIP 6%
Renters spending over 30% of income0%
US median ZIP 45%

What drives the score

Five pillars, each scored 0–100

Affordability

—/100

Growth momentum

30/100

Market risk

45/100

Momentum

—/100

Livability

17/100
Walkability
1–20 index · June 2021 vintage·EPA Smart Location Database
3.9
Transit access
Ranked against every scored ZIP·EPA Smart Location Database
—
Job density
Jobs per square mile, ranked against every scored ZIP·US Census LODES
4.4

See every input behind the pillars, with its value and source

Inside: Affordability: Price-to-income, Property tax rate, Median income · Growth momentum: 12-month price change, 12-month rent change, Population · Market risk: Overvaluation, Active listings, Price cuts · Momentum: Days on market, Buyer / seller gauge, Demand dial

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Market signals

Tailwinds and headwinds right now

Top 4 of 14 signals
Tailwinds2
  • Strong price appreciation
    +3.8% year-over-year
  • Limited new supply
    Only 0.1 permits per 1,000 — supply constrained
Headwinds2
  • Population outflow
    -57.9% net — people leaving
  • Elevated unemployment
    8.5% unemployment rate
Buyer / seller gauge

Market conditions

Leaning Buyer

Conditions are easing in buyers' favor. The score reads more negotiation room than balanced.

-2
Strong buyerBalancedStrong seller
Trend
Heating toward seller
Gauge since Mar 2026Leaning Buyer now

Cycle read. Cooling: prices +3.8% over the trailing year, with the market leaning toward buyers.

Asking vs closed
Typical value (index)
$112,865
Zillow ZHVI · Sep 2026
Median sale price
$60,000
Redfin · Sep 2026
Sale-to-list
87.0%
Redfin · Sep 2026
Sold above list
0.0%
Redfin · Sep 2026

The Zillow figure is a smoothed index of typical value, not a list price; the Redfin figures are closed sales for the month shown.

Momentum check

What's changed in the last 90 days

🔒 Haven
Locked

Median price

——

Change vs. prior 90 days · arrow shows direction, not whether it’s good or bad

Pulse signals unlock with Haven, plus a one-line market interpretation.

The 90-day numbers behind each tile open with Haven

Trend

Where it's been

Peak
$135,604
Aug 2022
From peak
-16.8%
47 mo ago
Worst 12 mo
-15.3%
to Jul 2025
Best 12 mo
+38.0%
since 2018

Zillow ZHVI peaked at $135,604 in Aug 2022; the latest value is -16.8% from that peak, 47 months on. The sharpest 12-month move was -15.3%, ending Jul 2025.

Cycle position — prices vs the model’s value estimate and the payment’s share of income vs five years ago — opens with Pro

Appreciation by window

Zillow ZHVI · rank among scored ZIPs
WindowChangePer yearUS rankWest Virginia rank
1 yearup+3.8%+3.8%/yrHigher than 73% nationallyHigher than 61% in West Virginia
3 yearsdown-10.1%-3.5%/yrHigher than 2% nationallyHigher than 1% in West Virginia
5 yearsdown-3.6%-0.7%/yrHigher than 3% nationallyHigher than 1% in West Virginia
Since 2019up+32.5%+3.9%/yr——

Starter homes vs the top tier

Zillow ZHVI tiers · Jul 2026
Bottom third (starter homes)
$62,504
down-5% 5Y—
Middle third
$112,865
down-2% 5Y—
Top third
$195,575
up+4% 5Y—

Starter homes here fell 5% in five years while top-tier homes rose 4% (Zillow ZHVI tiers) — the top of the market outpaced the bottom.

Rent, inventory, days on market, Zillow’s market heat, the % view and state and US reference lines open with Haven

Forecast

Where it's heading

The HavenScore Forecast Model (v1) projects this ZIP’s median value at 3-, 6-, and 12-month horizons, with 80% prediction intervals; Pro adds 24- and 36-month horizons.

Price Forecast

3-month projection · 80% range

🔒 Haven
—————
3-month shown  |  6 & 12 months with Haven →
3-month
$106,624
-5.5%
80% range $99.7K–$115.2K
6-month
🔒 Haven
12-month
🔒 Haven

Of the 3-month ranges we published since December 2025, 60% contained the actual price. Track record →

6- and 12-month projections, their 80% ranges, and what moves the forecast unlock with Haven.

Zillow's own published forecast has this ZIP's typical value rise 0.3% over the twelve months from July 2026 (Zillow Home Value Forecast).

Forecasts are the model’s projection, not a prediction. Actuals will differ.

See the 6- and 12-month price ranges for this ZIP and what moves the forecast

Haven · 14-day free trial · then from $8/mo

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Monthly cost

What you'd owe each month

Est. monthly payment
$684/ mo

20% down · 30-yr fixed · 6.71% · tax 0.57%

Principal$78
Interest$505
Property tax$54
Insurance$47
Rent vs buy

Rent data isn’t published for this ZIP, so we can’t compute a rent-vs-buy gap.

Insurance is assumed at 0.5% of the home's value a year; Treasury's Federal Insurance Office did not publish a premium for this ZIP.

Run the numbers

Your price, rate, down payment and income

Cost of ownership over time

Cumulative housing cost, interest paid, and equity built · 20% down · standard assumptions

See the 1-, 5-, and 30-year cost of owning here

Inside: Total housing cost · Interest paid · Principal paid · Equity built

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Equity assumes flat home value; real appreciation could push it higher · Rate 6.71%

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Comparable ZIPs

Same shape, lower entry

ZIPs the score groups near 25111 on Affordability and Growth — sorted by lowest median value. Each tile names what the lower price trades: commute (ACS), walkability band (EPA) and hazard rating (FEMA).

ZIP 62824
Clay City
IL
44
  • Saves $11k
  • Shorter commute (−11 min)
  • Similar walkability
  • Higher hazard risk
$101,529+10.49%
ZIP 25043
Clay
WV
25
  • Saves $8k
  • Similar commute
  • Similar walkability
  • Higher hazard risk
$104,775-1.51%
ZIP 24850
Jolo
WV
40
  • Saves $68k
  • Similar walkability
  • Lower hazard risk
$44,810-8.72%
ZIP 24873
Paynesville
WV
36
  • Saves $67k
  • Similar walkability
  • Lower hazard risk
$46,277-10.59%

Sources

Every number, traced

Every metric above is sourced from public datasets, normalized against the national ZIP distribution. Home values and rents refresh monthly; demographics refresh annually.

Zillow Research
Home values, rents, inventory, transactions
Realtor.com
Inventory, days on market, price-cut share
Redfin
Sale prices, transaction volume
US Census ACS
Income, population, vacancy, cost burden
Freddie Mac PMMS
Current 30-year fixed mortgage rates
FHFA HPI
Long-term price trends
HUD Small Area FMR
Per-ZIP fair market rents (rural fallback)
BEA & IRS
Personal income growth, net migration
Lending & accessibility
Lending and neighborhood-access signals
Research the restNo crime or school rating here — why. The primary sources:GreatSchools→NCES School Search→FBI Crime Data Explorer→

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