29696 — Oconee County, South Carolina Market Snapshot
Housing market data for zip code 29696 in Oconee County, South Carolina. Updated monthly with median prices, days on market, and more.
Limited Sales Data
Only 2 homes sold in this ZIP code during the selected period. Statistics may not be representative. See the Oconee County county page for broader data.
Market Sales Data
2 sales in 2026 (year to date)
Median Sale Price
$1,005,000
Days to Sell
11
Homes Sold
2
Inventory
N/A
Jumbo Loan Likely Needed
The median home in 29696 at $1,005,000 exceeds the 2026 conforming loan limit of $832,750 by $172,250. 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
29696 is an extremely competitive market with homes selling in just 11 days on average. Buyers need pre-approval letters ready before making offers.
Conforming Loan Feasibility
The median home in 29696 at $1,005,000 exceeds the 2026 conforming loan limit of $832,750 by $172,250. 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 29696 are set at the county level.
2026 Loan Limits — Oconee 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 29696
To purchase the median home at $1,005,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $7,850.
Monthly Payment
$7,850
Income Required
$336,428
Principal & Interest
$6,192/mo
Down Payment (5%)
$50,250
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 29696.
Estimated Monthly Payment
$6,370
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