Berkeley County, WV Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Berkeley County, WV distress report, 2026: 12 ZIPs scored in Berkeley, WV, Berkeley, WV average 20/100; the top Berkeley, WV ZIP is 25401 at 21/100; Berkeley, WV market phase peak, Berkeley, WV prices +0.3% year over year.
- Berkeley, WV ranks #2,103 nationally (opportunity index); Berkeley, WV #42 in West Virginia; Berkeley, WV index 27.3.
- Berkeley, WV ninety-day mortgage delinquency 1.3% in December 2025; Berkeley, WV twelve-month change -0.1%.
- Berkeley, WV ZIP phases: 10 peak, 2 expansion.
- Berkeley, WV residential listings tracked: 349 across 10 ZIPs; Berkeley, WV candidate listings 58.
- Berkeley, WV HUD assisted properties: 7 with 610 units.
- Berkeley, WV lenders on watch: 4; largest Berkeley, WV footprint City Nb Of West Virginia (4 branches).
- Berkeley, WV most distressed ZIP: 25401 at 21/100.
Berkeley, WV figures: DLRadar distress index; Berkeley, WV inputs: CFPB, FHFA, HUD, FDIC; Berkeley, WV rebuilt as sources refresh.
| Rank | Berkeley, WV ZIP | Score |
|---|---|---|
| 1 | 25401 | 21/100 |
| 2 | 25403 | 21/100 |
| 3 | 25404 | 21/100 |
| 4 | 25405 | 21/100 |
| 5 | 25413 | 21/100 |
| 6 | 25419 | 21/100 |
| 7 | 25420 | 21/100 |
| 8 | 25421 | 21/100 |
| 9 | 25428 | 21/100 |
| 10 | 25427 | 20/100 |
| 11 | 25430 | 18/100 |
| 12 | 25443 | 18/100 |
Most distressed Berkeley, WV ZIPs (0-100, 2026)
Mortgage delinquency in Berkeley, WV
1.3% of Berkeley, WV mortgages were ninety-plus days late (Berkeley, WV, December 2025); Berkeley, WV thirty-to-eighty-nine days late: 4.2%; Berkeley, WV twelve-month change -0.1%; Berkeley, WV peak since 2008: 5.5% (February 2011); West Virginia overall 1.1%. Berkeley, WV ninety-day series: Dec 24 1.4, Jan 25 1.4, Feb 25 1.5 (Berkeley, WV), Mar 25 1.3, Apr 25 1.5, May 25 1.4 (Berkeley, WV), Jun 25 1.2, Jul 25 1.1, Aug 25 0.7 (Berkeley, WV), Sep 25 0.9, Oct 25 1.2, Nov 25 1.1 (Berkeley, WV), Dec 25 1.3.
Opportunity index: Berkeley, WV
Berkeley, WV index 27.3, Berkeley, WV phase weak; Berkeley, WV primary driver bank institutional, Berkeley, WV second driver listings discount. Berkeley, WV components: property stress 9.3, foreclosure pressure 6.9, listing discounts 41.4, bank stress 58.1, insurance 0.0; Berkeley, WV pulse 27.4; Berkeley, WV capital opportunity 27.1; Berkeley, WV seven-day change +0.2%.
ZIP market phases inside Berkeley, WV
12 Berkeley, WV ZIPs carry a price-cycle phase; Berkeley, WV ZIPs by phase (Berkeley, WV), deepest drawdown first: peak, +0.3% YoY, 2.9% off peak (Berkeley, WV): 25401, 25403, 25404, 25405, Berkeley, WV 25413, 25419, 25420, 25421, Berkeley, WV 25427, 25428; expansion, +5.4% YoY, 0.3% off peak (Berkeley, WV): 25443; expansion, +5.5% YoY, 0.3% off peak (Berkeley, WV): 25430.
Residential listings by Berkeley, WV ZIP
Berkeley, WV ZIPs with the most tracked Berkeley, WV residential listings: 25427 74 listings, 18 candidates, bank pressure 59; 25419 68 listings, 18 candidates, bank pressure 61; 25428 59 listings, 4 candidates, bank pressure 61; 25403 45 listings, 1 candidates, bank pressure 61 (Berkeley, WV); 25404 36 listings, 5 candidates, bank pressure 61; 25401 28 listings, 6 candidates, bank pressure 61; 25405 24 listings, 3 candidates, bank pressure 61; 25413 12 listings, 1 candidates, bank pressure 61. Berkeley, WV totals: 349 listings; Berkeley, WV candidates 58; active ZIPs 9.
HUD assisted housing in Berkeley, WV
7 assisted properties with 610 units sit in Berkeley, WV; largest Berkeley, WV properties: Martin's Landing Apartments And Timberleaf Estates (Martinsburg) 262 units; Oak Tree Village (Martinsburg) 132 units, 51 assisted; Senior Towers (Martinsburg) 94 units, 93 assisted in Berkeley, WV; Courthouse Apartments (Martinsburg) 84 units; Nar Roberts, Jr. (Martinsburg) 24 units, 24 assisted; Hoffmaster Houses (Martinsburg) 14 units, 12 assisted.
Lenders with branches in Berkeley, WV
Berkeley, WV lenders by branch count: City Nb Of West Virginia (Berkeley, WV): stress 49, 4 branches low in Berkeley, WV; Cnb Bank Inc (Berkeley, WV): stress 75, 3 branches low in Berkeley, WV; Jefferson Security Bank (Berkeley, WV): stress 81, 2 branches low in Berkeley, WV; Potomac Bank (Berkeley, WV): stress 64, 2 branches low in Berkeley, WV.
Vacancy and permits, Berkeley, WV
2,798 of 53,819 Berkeley, WV housing units are vacant; Berkeley, WV permits, twelve months: 106 multifamily units in Berkeley, WV, 1,142 one-to-four unit units.
Work Berkeley, WV at the parcel level
Every Berkeley, WV parcel carries owner and address; every Berkeley, WV parcel carries APN; Berkeley, WV distress scores sit on the Berkeley, WV live board.
Berkeley, WV figures refresh with each source.
Berkeley, WV questions
Most distressed ZIP code in Berkeley County, WV?
ZIP 25401 leads Berkeley, WV at 21/100; next in Berkeley, WV: 25403 at 21/100; the Berkeley, WV average is 20/100.
Where does Berkeley County, WV rank for investment opportunity?
Berkeley, WV is #2,103 among all ranked counties, #42 in West Virginia; the Berkeley, WV driver is bank institutional; Berkeley, WV moved up 686 places.
How many mortgages are delinquent in Berkeley County, WV?
1.3% of Berkeley, WV mortgages were ninety-plus days late in December 2025; the Berkeley, WV peak since 2008 was 5.5%.
Which banks lend in Berkeley County, WV?
4 watched lenders hold Berkeley, WV branches; the largest Berkeley, WV footprints are City Nb Of West Virginia (4), Cnb Bank Inc (3), Jefferson Security Bank (2).
More on Berkeley, WV
Berkeley County, WV distress report: public-record figures for Berkeley, WV; not legal advice for Berkeley, WV; not tax or investment advice; verify every Berkeley, WV record before acting.