29108 — Newberry County, South Carolina Market Snapshot
Housing market data for zip code 29108 in Newberry County, South Carolina. Updated monthly with median prices, days on market, and more.
Market Sales Data
21 sales in 2026 (year to date)
Median Sale Price
$163,300
Days to Sell
74
Homes Sold
21
Inventory
46
Sale-to-List
94.0%
New Listings
47
Price/SqFt
$129
Pending Sales
24
Conforming Loan Available
Most homebuyers in 29108 can comfortably use conventional financing. The median home price of $163,300 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 74 days on average, 29108 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 29108 sells for 6.0% below asking price (94.0% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 29108 can comfortably use conventional financing. The median home price of $163,300 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 29108 are set at the county level.
2026 Loan Limits — Newberry 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 29108
To purchase the median home at $163,300 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $1,401.
Monthly Payment
$1,401
Income Required
$60,049
Principal & Interest
$1,006/mo
Down Payment (5%)
$8,165
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 29108.
Estimated Monthly Payment
$1,161
Connect with a LoanGraphs Loan Officer
Get expert guidance for zip code 29108. Tell us what you're looking for.