29458 — Charleston County, South Carolina Market Snapshot
Housing market data for zip code 29458 in Charleston County, South Carolina. Updated monthly with median prices, days on market, and more.
Market Sales Data
13 sales in 2026 (year to date)
Median Sale Price
$685,000
Days to Sell
131
Homes Sold
13
Inventory
15
Sale-to-List
97.4%
New Listings
13
Price/SqFt
$365
Pending Sales
10
Conforming Loan Available
The median home in 29458 at $685,000 falls within the 2026 conforming loan limit of $832,750, but buyers putting less than 5% down may need jumbo financing. This makes down payment strategy especially important in this market.
Market Insights
Market Temperature
With homes sitting for 131 days on average, 29458 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 29458 sells for 2.6% below asking price (97.4% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
The median home in 29458 at $685,000 falls within the 2026 conforming loan limit of $832,750, but buyers putting less than 5% down may need jumbo financing. This makes down payment strategy especially important in this market.
Loan limits in 29458 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 29458
To purchase the median home at $685,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $5,398.
Monthly Payment
$5,398
Income Required
$231,354
Principal & Interest
$4,221/mo
Down Payment (5%)
$34,250
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 29458.
Estimated Monthly Payment
$4,389
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