29439 — Charleston County, South Carolina Market Snapshot
Housing market data for zip code 29439 in Charleston County, South Carolina. Updated monthly with median prices, days on market, and more.
Market Sales Data
12 sales in 2026 (year to date)
Median Sale Price
$1,213,200
Days to Sell
199
Homes Sold
12
Inventory
35
Sale-to-List
93.8%
New Listings
24
Price/SqFt
$701
Pending Sales
21
Jumbo Loan Likely Needed
The median home in 29439 at $1,213,200 exceeds the 2026 conforming loan limit of $832,750 by $380,450. Most buyers here will need jumbo loans, which typically require higher credit scores, larger down payments, and come with different rate pricing.
Market Insights
Market Temperature
With homes sitting for 199 days on average, 29439 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
The average home in 29439 sells for 6.2% below asking price (93.8% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
The median home in 29439 at $1,213,200 exceeds the 2026 conforming loan limit of $832,750 by $380,450. Most buyers here will need jumbo loans, which typically require higher credit scores, larger down payments, and come with different rate pricing.
Loan limits in 29439 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 29439
To purchase the median home at $1,213,200 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $9,445.
Monthly Payment
$9,445
Income Required
$404,792
Principal & Interest
$7,475/mo
Down Payment (5%)
$60,660
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 29439.
Estimated Monthly Payment
$7,658
Jumbo loan required. Loan amount exceeds the $832,750 conforming limit for 29439.
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