Forgivable loan
Homebuyer Assistance Program
First-time homebuyers · Income limits · Single-family detached, condominium, townhouse, PUD. Per first-mortgage overlays.
Down payment assistance · Berkeley County
Buying a home in Martinsburg, WV
2 Martinsburg programs and 6 statewide.Martinsburg has 2 programs of its own, and 6 statewide. Here is what each one offers, what the local market looks like, and who near you can walk you through it.
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Martinsburg’s own programs
First mortgage
Habitat for Humanity of the Eastern Panhandle Homeownership Program
New construction · Income limits · Single Family
The Martinsburg marketThe Martinsburg housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in Martinsburg
- 54.8% single-familysingle-family
- 15.7% townhousetownhouse
- 10.5% 2–4 units2–4 units
- 18.1% 5+ unitscondo & apartment buildings (5+ units)
- 0.9% mobile & othermobile home & other
Condos count. 1 of Martinsburg’s 2 local and county programs accept condos. Habitat for Humanity of the Eastern Panhandle Homeownership Program lists single family.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Martinsburg’s homes were built
pre-19401970s2020+
55.9%
of Martinsburg homes were built before 1980. Pre-1978 homes come with a federal lead-paint disclosure.of homes were built before 1980. A home built before 1978 comes with a federal lead-paint disclosure, and some programs require an inspection.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25034.
$96,400
County area median income, 4 people (HUD)HUD area median income, Berkeley County, 4-person household (2026)
$59,555
Martinsburg median household incomeMedian household income in Martinsburg (Census, 2024)
9 of the 70 programs here set their income limit as a share of Berkeley County’s area median income, adjusted for household size. See the published limits for Berkeley County
Free help nearbyFree help near Martinsburg
1 HUD-approved counseling agency within 15 miles1 HUD-approved housing counseling agency within 15 miles
2 programs here ask for a homebuyer class first. Create a free account to see who’s near you and pick one.All 2 local programs here ask for a homebuyer class. A HUD-approved counselor teaches it and can walk you through your options. Create a free account to see who’s near you and pick one.
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Across West Virginia and nationwide
68 statewide & federal programs6 statewide programs, plus federal options
Martinsburg questions
Does Martinsburg have its own down payment program?
Yes, 2: Homebuyer Assistance Program and Habitat for Humanity of the Eastern Panhandle Homeownership Program. Each is for homes inside Martinsburg.
Can I use assistance on a condo in Martinsburg?
1 of Martinsburg’s 2 local and county programs accept condos. Habitat for Humanity of the Eastern Panhandle Homeownership Program lists single family. Each program’s page lists the kinds of homes it accepts, and the agency confirms it for the home you choose.
What is the income limit in Berkeley County?
Each program sets its own. 9 of the programs here set theirs as a share of HUD’s area median income for Berkeley County, adjusted for household size. HUD publishes the median each year; the 2026 figure is shown above and on the published limits page.
Where can I take a homebuyer class near Martinsburg?
HUD-approved housing counseling agencies teach homebuyer classes, and 1 agency is within 15 miles of Martinsburg. Create a free account and take the 90-second match to see the ones near you.
ZIP codes
25401 · 25402
Sources
Sources: agency sites (June–July 2026), Census ACS 2024 5-year, HUD FY2026, HUD counseling list. Hey Prescott is not a lender.Programs: Hey Prescott catalog of 2,000+ programs, each verified with its agency (June–July 2026). Market: U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Income: HUD FY2026 income limits. Counselors: HUD list of approved housing counseling agencies. Hey Prescott is not a lender.