Market Overview
Home Prices in Harpers Ferry, WV
The median home value in Harpers Ferry, WV is $414,230 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's up 5.7% compared to a year ago and up 4.9% from two years prior.
Compared to the U.S. national median of $410,000, homes in Harpers Ferry are priced1% above average. Harpers Ferry is part of the Washington-Arlington-Alexandria, DC-VA-MD-WV metro area.
Over the past five years, Harpers Ferry home values have risen by approximately34.9%, reflecting strong long-term appreciation in this market.
Price History
Harpers Ferry Home Price Trend
City Comparison
Harpers Ferry vs. National Median
At $414,230, homes in Harpers Ferry cost 1% above the national median of $410,000. Buyers in Harpers Ferry should expect to pay a premium compared to most U.S. markets.
Affordability
What Does It Cost to Buy in Harpers Ferry?
20% Down Payment
$82,846
on $414,230
Monthly P&I
$2,160/mo
30-yr @ 6.8%
Total Monthly Est.
~$2,743/mo
incl. taxes & insurance
Income Needed
$109,720
gross annual (30% rule)
10% Down Option
$41,423
+ PMI applies
Loan Amount (20% dn)
$331,384
at current rates
Estimates assume a 30-year fixed mortgage at 6.8%. Monthly total includes estimated property taxes and homeowner's insurance. Actual costs vary.
FAQ
Frequently Asked Questions
What is the average home price in Harpers Ferry, WV?
The median home value in Harpers Ferry is $414,230 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's up 5.7% year-over-year.
How much have home prices changed in Harpers Ferry?
Over the past year, home values in Harpers Ferry have increased by 5.7%. Over five years, prices have risen approximately 34.9%.
How much do I need to earn to buy a home in Harpers Ferry?
To comfortably afford the median home price of $414,230 with a 20% down payment ($82,846) at today's rates (6.8%), you'd need a gross annual income of approximately $109,720. This assumes keeping total housing costs at or below 30% of gross income.
How does Harpers Ferry compare to the national average home price?
The national median home value is approximately $410,000. At $414,230, homes in Harpers Ferry are 1% above the national average.
What metro area is Harpers Ferry part of?
Harpers Ferry is part of the Washington-Arlington-Alexandria, DC-VA-MD-WV metropolitan area. Home prices and market conditions can vary across the broader metro region.