29406 — Charleston County, South Carolina Market Snapshot
Housing market data for zip code 29406 in Charleston County, South Carolina. Updated monthly with median prices, days on market, and more.
Market Sales Data
87 sales in 2026 (year to date)
Median Sale Price
$300,000
Days to Sell
71
Homes Sold
87
Inventory
114
Sale-to-List
98.6%
New Listings
121
Price/SqFt
$208
Pending Sales
113
Conforming Loan Available
Most homebuyers in 29406 can comfortably use conventional financing. The median home price of $300,000 is well below the 2026 conforming loan limit of $832,750, meaning buyers can put as little as 3-5% down without hitting jumbo loan territory.
Market Insights
Market Temperature
With homes sitting for 71 days on average, 29406 favors buyers. There may be opportunities to negotiate below asking price or request seller concessions for closing costs or rate buydowns.
Sale-to-List Ratio
Homes are selling very close to asking price in 29406 (98.6% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 29406 can comfortably use conventional financing. The median home price of $300,000 is well below the 2026 conforming loan limit of $832,750, meaning buyers can put as little as 3-5% down without hitting jumbo loan territory.
Loan limits in 29406 are set at the county level.
2026 Loan Limits — Charleston County
| Property Units | Conforming Limit | FHA Limit |
|---|---|---|
| 1 Unit | $832,750 | $690,000 |
| 2 Units | $1,066,250 | $883,300 |
| 3 Units | $1,288,800 | $1,067,750 |
| 4 Units | $1,601,750 | $1,326,950 |
Affordability Snapshot — Zip 29406
To purchase the median home at $300,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,449.
Monthly Payment
$2,449
Income Required
$104,936
Principal & Interest
$1,849/mo
Down Payment (5%)
$15,000
Based on 30-year fixed at 6.75%, 1.8% property tax, $1,800/yr insurance, 28% DTI guideline.
Mortgage Calculator
Estimate your monthly payment for a home in 29406.
Estimated Monthly Payment
$2,007
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