CautiousUpdated SEP 1, 2026

Piedmont, OH

ZIP 43983· Belmont County· Wheeling, WV-OH· 651 residents· Leaning Seller

43983 · Piedmont, OH has a HavenScore of 42 — downside-risk signals are what hold the score back.

The buyer/seller gauge leans narrowly toward sellers, and has for 7 months. Typical values were flat over the last 90 days (Zillow ZHVI).

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 $116,467 in Apr 2026 and, after a -9.1% drawdown, is back at that level. Since January 2019 it is +44.1%. The sharpest 12-month move was -0.4%, ending Sep 2019.

Median price
$115,459
+4.02% past 12 mo
Est. monthly payment
$828/ mo
20% down · 30-yr fixed · 6.71% · incl. tax + insurance
CompareShare card
39
HavenScore: higher than 16% of scored ZIPs.
▲ +8 / 90d#25/26 in OHBuyer Score
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
40/100
Risk
32/100
Momentum
57/100
Livability
41/100
Score · trailing 12 mo
52 → 42
-10 points
30-day
+11
90-day
+8
1-yr
-10

Snapshot

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

Median price
$115,459
up+4.0% 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 3% of scored ZIPs.
Twelve-month trend shown as a sparkline; the newest value is $115,459.
Est. monthly payment
$828
At the median value with 20% down, a 30-year fixed at 6.71%, plus property tax and insurance.
Active listings
3
Homes listed for sale right now (Realtor.com). Rising inventory usually favors buyers; falling inventory favors sellers.
Active listings: higher than 1% of scored ZIPs.
Twelve-month trend shown as a sparkline; the newest value is 3.
Days on market
116
How long the typical listing sits before going under contract. Shorter means a tighter market; longer means more room to negotiate.
Days on market: higher than 99% of scored ZIPs.
Twelve-month trend shown as a sparkline; the newest value is 116.
Price cuts
0.00%
Share of active listings that have lowered their asking price. Rising cuts usually precede softening values.
Twelve-month trend shown as a sparkline; the newest value is 0.00%.
Population
651
Current resident estimate. Growth is a demand tailwind; decline is a structural risk.
Twelve-month trend shown as a sparkline; the newest value is 651.
Vacancy
60.6%
Above-average. Share of housing units that are vacant in this ZIP, from the latest US Census ACS 5-year tables.
Owner-occupied
72%
of homes. Share of occupied housing units owned by their occupants (vs. rented), from the US Census ACS.
Denial rate
24.9%
Above-average. Share of mortgage applications denied in this ZIP, from the latest CFPB / FFIEC HMDA disclosures.
Lending activity
994
originations. Mortgage originations recorded in this ZIP in the most recent HMDA reporting year. Higher counts = more active lending market.
Net migration
-5.8%
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
$51k
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 5.3 of 20 · EPA Smart Location Database · Jun 2021 · above 26% of scored ZIPs
Transit accessNo transit data
EPA publishes no stop distance for most block groups
Typical commuteLonger commute than typical
34 minutes one way · US median ZIP 22 · US Census ACS · above 3% of scored ZIPs
Jobs nearbyFew jobs nearby
11 jobs per sq mi · US Census LODES · above 7% of scored ZIPs
Physical riskRelatively Moderate (FEMA)
FEMA National Risk Index composite · Dec 2025 release · above 76% 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 13 scored ZIPs in Belmont County

Everyday prices · BEA Regional Price Parities

Everyday prices in the Wheeling metro run 12% 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 $66,250 buys here.

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

Housing cost burden · US Census ACS
Owners spending over 50% of income8%
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

40/100

Market risk

32/100

Momentum

57/100

Livability

41/100
Walkability
1–20 index · June 2021 vintage·EPA Smart Location Database
5.3
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
11.2

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

Try Haven free for 14 days

Market signals

Tailwinds and headwinds right now

Top 6 of 14 signals
Tailwinds4
  • Strong price appreciation
    +4.0% year-over-year
  • Growing population
    +8.7% annual growth
  • Limited new supply
    Only 0.0 permits per 1,000 — supply constrained
  • Few price reductions
    Only 0% of listings cutting price
Headwinds2
  • Population outflow
    -5.8% net — people leaving
  • Slow-moving market
    116 days on market — homes sitting longer
Buyer / seller gauge

Market conditions

Leaning Seller

The score reads conditions tightening in sellers' favor.

+17
Strong buyerBalancedStrong seller
Trend
Cooling toward buyer
Gauge since Mar 2026Leaning Seller now

Cycle read. Accelerating: prices +4.0% over the trailing year, with the market leaning toward sellers.

Asking vs closed
Typical value (index)
$115,459
Zillow ZHVI · Sep 2026
Median sale price
$220,323
Redfin · Sep 2026
Sale-to-list
90.8%
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

——
🔒 Haven
Locked

Inventory

——
🔒 Haven
Locked

Days on market

——

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
$116,467
Apr 2026
From peak
-0.9%
3 mo ago
Since Jan 2019
+44.1%
Worst 12 mo
-0.4%
to Sep 2019
Best 12 mo
+18.3%
since 2018

Zillow ZHVI peaked at $116,467 in Apr 2026 and, after a -9.1% drawdown, is back at that level. Since January 2019 it is +44.1%. The sharpest 12-month move was -0.4%, ending Sep 2019.

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 rankOhio rank
1 yearup+4.0%+4.0%/yrTop 25% nationallyHigher than 58% in Ohio
3 yearsup+11.1%+3.6%/yrHigher than 50% nationallyHigher than 13% in Ohio
5 yearsup+17.9%+3.4%/yrHigher than 25% nationallyHigher than 7% in Ohio
10 yearsup+54.2%+4.4%/yrHigher than 13% nationallyHigher than 3% in Ohio
Since 2009up+106.0%+4.4%/yr——

Starter homes vs the top tier

Zillow ZHVI tiers · Jul 2026
Bottom third (starter homes)
$56,013
up+2% 5Yup+55% 10Y
Middle third
$115,459
up+17% 5Yup+53% 10Y
Top third
$229,142
up+14% 5Yup+47% 10Y

Starter homes here rose 2% in five years while top-tier homes rose 14% (Zillow ZHVI tiers) — the top of the market outpaced the bottom.

3-bedroom homes here run 34% above 2-bedrooms (Zillow ZHVI by bedroom); the OH median premium is 38%.

The historical reading — which months run highest and lowest here — opens with Haven

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
$114,478
-0.8%
80% range $111.9K–$116.9K
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 fall 0.6% 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

Try Haven free

Monthly cost

What you'd owe each month

Est. monthly payment
$828/ mo

20% down · 30-yr fixed · 6.71% · tax 1.59%

Principal$80
Interest$516
Property tax$153
Insurance$78
Rent vs buy

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

Insurance uses the average homeowners premium insurers reported for this ZIP in 2022, $941 a year (Treasury Federal Insurance Office).

Run the numbers

Your price, rate, down payment and income

Like for like: a 3-bedroom here rents for about $1,400 a month (HUD Small Area Fair Market Rent, FY2026) against a typical 3-bedroom value of $162k (Zillow ZHVI by bedroom) — a 10.4% gross rent yield.

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

Try Haven free for 14 days

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

Not subscribing? The four-page report for ZIP 43983 is $19 once, no subscription. Haven is $12/mo while you hunt — cancel when you close.

Pro featurefrom $25/mo

Take the full report for this ZIP with you.

A four-page editorial PDF: market summary, full pillar breakdown, 5-year history with forecast, alternatives, and a 30-year cost-of-ownership table.

HavenScore Report43983Market AnalysisGENERATED FOR PRO MEMBERS78PILLAR BREAKDOWNHAVENSCORE.APP · PRO REPORT🔒 Pro

Not subscribing? Get this ZIP's report for $19, once — no subscription.

  • Branded PDF with all metrics
  • Includes forecast + scorecards
  • Suitable for client presentations
  • Unlimited exports
Try Pro free for 14 daysCompare plans

Comparable ZIPs

Same shape, lower entry

ZIPs the score groups near 43983 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 43977
Piedmont
OH
51
  • Saves $14k
  • Shorter commute (−10 min)
  • Similar walkability
  • Lower hazard risk
$101,605-2.42%
ZIP 43604
Toledo
OH
47
  • Saves $51k
  • Shorter commute (−18 min)
  • More walkable
  • Lower hazard risk
$64,267-6.07%
ZIP 44902
Mansfield
OH
51
  • Saves $43k
  • Shorter commute (−13 min)
  • More walkable
  • Lower hazard risk
$72,050+8.40%
ZIP 45760
Middleport
OH
52
  • Saves $35k
  • Similar commute
  • Similar walkability
  • Higher hazard risk
$80,182+5.36%

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→

Get the HavenScore Weekly

Data-driven market takes and the week's biggest ZIP movers, every Tuesday. Want this ZIP specifically? Save it to your account — saved ZIPs get a monthly digest of what changed.

Optional — tells us which markets readers care about.

Free. Unsubscribe anytime.