29707 — Lancaster County, South Carolina Market Snapshot
Housing market data for zip code 29707 in Lancaster County, South Carolina. Updated monthly with median prices, days on market, and more.
Market Sales Data
223 sales in 2026 (year to date)
Median Sale Price
$485,000
Days to Sell
72
Homes Sold
223
Inventory
309
Sale-to-List
98.6%
New Listings
326
Price/SqFt
$215
Pending Sales
N/A
Conforming Loan Available
Most homebuyers in 29707 can comfortably use conventional financing. The median home price of $485,000 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 72 days on average, 29707 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 29707 (98.6% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 29707 can comfortably use conventional financing. The median home price of $485,000 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 29707 are set at the county level.
2026 Loan Limits — Lancaster 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 29707
To purchase the median home at $485,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $3,866.
Monthly Payment
$3,866
Income Required
$165,682
Principal & Interest
$2,988/mo
Down Payment (5%)
$24,250
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 29707.
Estimated Monthly Payment
$3,152
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