Berkeley County, WV Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Berkeley County, West Virginia? DLRadar grades every Berkeley County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 21/100. Here is the 2026 Berkeley County breakdown.
- Berkeley County's most distressed ZIP is 25401 at 21/100.
- 12 ZIP codes tracked in Berkeley County, averaging 21/100 distress.
- Berkeley County reads peak — home values up 0.3% year over year, 2.9% off peak.
- Vacancy runs 5.9% across Berkeley County's tracked ZIPs, with a 9.4% poverty rate.
- The typical Berkeley County home is worth about $285,255 against a ~$80,773 median income.
- Lending headwind in Berkeley County sits at 40/100 — a forward read on distressed supply.
Based on DLRadar's public-record distress index, updated every month. Free to cite with attribution to DLRadar (dlradar.com).
| Rank | ZIP | Composite distress |
|---|---|---|
| 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 | 19/100 |
| 12 | 25443 | 19/100 |
Most distressed ZIP codes in Berkeley County (composite distress 0-100, 2026)
What is driving Berkeley County distress
Berkeley County sits inside DLRadar's nationwide distress index, built entirely from public records. Its ZIPs average 21/100 composite distress. Every figure traces to a public source — FHFA HPI, CFPB mortgage delinquency, county recorder foreclosure and tax-lien filings, FEMA/NFIP for insurance, and Census ACS for demographics.
Berkeley County market phase and pricing
Berkeley County reads peak — home prices rose 0.3% over the last year and are 2.9% off their peak. When prices ease, days-on-market stretch out, surfacing more motivated sellers.
See the distressed properties behind the data in Berkeley County
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Common questions
Which ZIP code leads Berkeley County on distress?
ZIP 25401 leads Berkeley County at 21/100, recomputed monthly from public records.
Where is Berkeley County in the housing cycle?
FHFA price-index movement places Berkeley County in peak; prices are up 0.3% over twelve months.
Can the Berkeley County figures be verified?
Public records only: FHFA for prices, CFPB for mortgage performance, the county recorder for filings, FEMA/NFIP for flood, Census ACS for demographics. The 12 Berkeley County ZIP codes are scored exactly as every other county is, which is what makes cross-market comparison valid.
How much do distress scores vary between Berkeley County ZIP codes?
One county number flattens a wide range. Across the Berkeley County ZIPs DLRadar ranks, scores run from 21/100 in 25401 down to 19/100 in 25443, against a Berkeley County average of 21/100. With 2 points between best and worst, county-level targeting in Berkeley County wastes effort.
What do Berkeley County home values and vacancy say about distressed supply?
The typical Berkeley County home carries about $285,255 of value against a median household income near $80,773. Vacancy across Berkeley County's tracked ZIPs runs 5.9% and the poverty rate is 9.4%. Stretched affordability and standing vacancy are what turn a missed payment into a listing, which is why DLRadar reads them alongside Berkeley County's foreclosure and tax-lien filings and its 40/100 lending headwind.
Related
Distress scoring is deterministic and public-record based. It is research material, not investment, legal or financial advice. Updated monthly.