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ZIP 26587 · Rachel, WV · 191 residents · September 2026

Rachel 26587: the market leans toward buyers.

Conditions easing in buyers' favor. Typical home value $75K, −15.2% over 12 months.

Sources beside every figure · Zillow, August 2026 · Realtor.com, September 2026 · Census ACS 2023 · FEMA NRI

Market balanceSeptember 2026

BuyersSellersEven
Leaning buyer−24

In Mar 2026: −34

Typical value$75K−15.2% over 12 months · Zillow, Aug 2026
Days on market—No reading this month · Realtor.com
Listings with a price cut—No reading this month · Realtor.com
Fair market rent$910/moHUD fair market rent, 2 bedrooms, FY 2026
Active listings—No reading this month · Realtor.com
Sale-to-list100.0%0% sold above list · Redfin, May 2026
HavenScore63of 100

Higher than 96% of scored ZIPs

Affordability82
Growth31
Risk70
Momentum—
Livability48

Five parts, weighted. How the score works →

The reading

Where the balance sits this month and what moved it.

Month by month, since the gauge began

  1. Mar 2026−34
  2. Apr 2026−45
  3. May 2026−45
  4. Jun 2026−76
  5. Jul 2026−56
  6. Aug 2026—no reading on record
  7. Sep 2026−24

Each block is one month’s reading, −100 (buyers) to +100 (sellers). The series starts in March 2026. A dashed block has no reading on record. How the balance is measured →

What is pulling the needle

  • Sale-to-list 100.0%homes close at asking · Redfin, May 2026

Blue pulls toward buyers, orange toward sellers. Realtor.com, September 2026; Redfin, May 2026.

Softening: prices −15.2% over the trailing year, with the market leaning toward buyers.

Asking price vs sale price
Typical value (index)$75,339Zillow ZHVI · Aug 2026
Median sale price$390,000Redfin · May 2026
Sale-to-list100.0%Redfin · May 2026
Sold above list0.0%Redfin · May 2026

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

Distress

This ZIP's distress reading is high this week.

Signals: prices −15.2% over 12 months · homes closing below asking · the decline forecast to continue · credit tightening. How distress is measured →

The distress score and its weekly trend are part of Pro.
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Last 90 days

How the typical value and the listings moved over the last three months.

Typical valueHavenMay → Aug · Zillow
The 90-day changes for this ZIP are part of Haven.
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Prices

Typical home value since 2019, and how far it moved over each window.

1 year−15.2%
3 years−12.9%
5 years−4.0%
10 years—
From peak−19.4%

Zillow Home Value Index · ZIP 26587 · monthly, through August 2026

The listings, days on market and market heat series on this chart are part of Haven.With the % change view and the state and U.S. reference lines.
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Zillow ZHVI peaked at $92,561 in November 2024; the latest value is −18.6% from that peak, 21 months on. The sharpest 12-month move was −16.6%, ending June 2026.

Zillow's typical home value here, $75K in August 2026, is 74% below the median U.S. ZIP's $289K. Over the 12 months to August 2026, Zillow's typical home value moved −15.2% here and +2.8% in the median U.S. ZIP.

Price tiers and bedrooms
Middle tier$75K
Top tier$138K
Single-family$75K

Zillow typical values by price tier, home type and bedrooms, August 2026.

How it ranks

Appreciation by window

WindowChangePer yearU.S. rankWest Virginia rank
1 year−15.2%−15.2%/yrHigher than 1% nationallyHigher than 1% in West Virginia
3 years−12.9%−4.5%/yrHigher than 2% nationallyHigher than 1% in West Virginia
5 years−4.0%−0.8%/yrHigher than 4% nationallyHigher than 1% in West Virginia
Since 2019+36.8%+4.3%/yr——

Zillow ZHVI · rank among scored ZIPs

This time of year Haven
The seasonal chart for this ZIP is part of Haven.With the reading of which months run highest and lowest here.
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Cycle position Pro
Where prices sit in the cycle is part of Pro.Prices against the model's value estimate, and the payment's share of income against five years ago.
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Forecast

Where the typical value is likely to be over the next 3 to 12 months, with the range the model has earned, and up to 36 months with Pro.

Last three years, then the forecast band

HavenScore Forecast Model (v1) · run October 1, 2026
$70K$80K$90K$100K$77K202420252026$70K$80K$90K$100K$77K202420252026
3 months$77K+2.7% · $74K–$82KMedium confidence
6 monthsHaven
12 monthsHaven
24 monthsPro
36 monthsPro
The 6- and 12-month ranges are part of Haven.The 3-month reading is free. Haven adds what moves the forecast.
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A forecast is a range, not a promise; the confidence word says how wide it is. How the forecast works →

Of the 3-month ranges we published since December 2025, 54% contained the actual price.

Zillow's own published forecast has this ZIP's typical value rise 0.5% over the twelve months from August 2026 (Zillow Home Value Forecast).

Payment

What a typical home here costs each month, against the typical income.

Monthly payment

$6068% of the median household income here ($88,125)
Principal and interest$445
Property tax$36
Insurance$83
Mortgage insurance$42

Inside the 28% line lenders use for housing costs. Rate is the Freddie Mac average for September 2026; tax is the state's statutory rate.

Insurance uses the average homeowners premium insurers reported for this ZIP in 2022, $994 a year (Treasury Federal Insurance Office).

Fair market rent, 2 bedrooms$910
vs
Payment on a typical purchase$606

Buying costs $304 a month less than the HUD fair market rent for a 2-bedroom here (FY 2026), before tax effects and maintenance.

Price-to-income ladder

Median home value ÷ median household income · Zillow ZHVI, Census ACS · under 4× has historically been comfortable

Cost of owning over time Haven
The 1-, 5- and 30-year cost of owning here is part of Haven.
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The place

What it costs to own here beyond the price, and what the neighborhood is like.

Median household income$88,125Census ACS
Price to income0.8×long-run average 0.8×
Property tax0.57%statutory, state
Insurance$994/yrtypical premium
Commute—median, one way
Walkability—EPA index
Hazard ratingRelatively ModerateFEMA NRI · wildfire 59 · flood 89
Population change−9.2% a year2018–2023, Census ACS
Median year built1941Census ACS
Owner-occupied100%Census ACS

Typical homes cost 0.8× the median household income here, against 3.0× in the median WV ZIP and 4.3× in the median U.S. ZIP (Zillow, August 2026; Census ACS 2023). Median household income is $88,125 here, against $71,388 in the median U.S. ZIP (Census ACS 2023).

Hazard ledger
Overall riskRelatively Moderatescore 59 of 100 · county median 71
Flood89 of 100county median 91
Wildfire59 of 100county median 66
Hurricane50 of 100county median 52

FEMA National Risk Index, December 2025 release, refreshed annually · tract-level rolled up to ZIP · not a property-level rating · no future-year projection · the tick is the median of 9 scored ZIPs in Marion County.

Housing cost burden
Owners spending over 50% of income0%U.S. median ZIP 5%

Census ACS 2023 five-year estimates · the tick is the U.S. median ZIP.

Behind the score

The inputs behind each of the five parts, against the U.S. median ZIP.

Affordability

82

Growth

31

Risk

70

Momentum

—
Haven
See every input behind the five parts, with its value and source
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Livability

48
Walkability—EPA Smart Location Database
Transit access—EPA Smart Location DatabaseNo transit data
Job density20 jobs per sq miCensus LODESFew jobs nearby

Nearby

15 scored West Virginia ZIPs within 12 miles; the ones below score within ten points and cost less.

Sources and freshness

Every figure on this page, where it came from and when.

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ZillowHome values, rents, price tiersAugust 2026
Realtor.comListings, days on market, price cutsSeptember 2026
RedfinSale-to-list, sold above listMay 2026
Census ACSIncome, commute, population, housing stock2023 five-year
FEMA National Risk IndexHazard ratingsDecember 2025 release
EPAWalkability—
HUDFair market rent, 2 bedroomsFY 2026
Freddie MacMortgage rateSeptember 2026, monthly average
HavenScoreScore, balance, forecastScored October 1, 2026

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