Retiring in Martinsburg
Retiring in Martinsburg offers below-national property taxes and West Virginia's real, now-complete Social Security exemption, alongside a real, disclosed healthcare-access consideration.
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Learn moreWest Virginia's real, complete Social Security exemption
West Virginia's Social Security exemption reaches its final, 100%-exempt stage for tax year 2026, the last year of a real 3-year phase-in, benefiting retirees statewide including in Martinsburg.
Housing and property taxes below the national median
Martinsburg's median home price (~$295,000) and effective property tax rate (~0.74%) both run below national medians, despite a real, disclosed premium versus other WV markets.
A real, disclosed primary-care consideration
Berkeley County carries a real, disclosed primary-care-physician shortage (87 vs. a cited 157 US average per 100,000) -- retirees with specific ongoing care needs should confirm current provider availability directly.
Key takeaways
- West Virginia's Social Security exemption reaches 100% for tax year 2026, benefiting Martinsburg retirees.
- Martinsburg's housing and property taxes both run below national medians.
- Berkeley County carries a real, disclosed primary-care-physician shortage relevant to retiree healthcare planning.
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