29576 — Horry County, South Carolina Market Snapshot
Housing market data for zip code 29576 in Horry County, South Carolina. Updated monthly with median prices, days on market, and more.
Market Sales Data
182 sales in 2026 (year to date)
Median Sale Price
$499,732
Days to Sell
89
Homes Sold
182
Inventory
311
Sale-to-List
97.6%
New Listings
251
Price/SqFt
$246
Pending Sales
232
Conforming Loan Available
Most homebuyers in 29576 can comfortably use conventional financing. The median home price of $499,732 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 89 days on average, 29576 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 29576 sells for 2.4% below asking price (97.6% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 29576 can comfortably use conventional financing. The median home price of $499,732 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 29576 are set at the county level.
2026 Loan Limits — Horry County
| Property Units | Conforming Limit | FHA Limit |
|---|---|---|
| 1 Unit | $832,750 | $541,287 |
| 2 Units | $1,066,250 | $693,050 |
| 3 Units | $1,288,800 | $837,700 |
| 4 Units | $1,601,750 | $1,041,125 |
Affordability Snapshot — Zip 29576
To purchase the median home at $499,732 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $3,979.
Monthly Payment
$3,979
Income Required
$170,519
Principal & Interest
$3,079/mo
Down Payment (5%)
$24,987
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 29576.
Estimated Monthly Payment
$3,243
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