29630 — Pickens County, South Carolina Market Snapshot
Housing market data for zip code 29630 in Pickens County, South Carolina. Updated monthly with median prices, days on market, and more.
Market Sales Data
37 sales in 2026 (year to date)
Median Sale Price
$322,900
Days to Sell
56
Homes Sold
37
Inventory
60
Sale-to-List
97.9%
New Listings
60
Price/SqFt
$176
Pending Sales
44
Conforming Loan Available
Most homebuyers in 29630 can comfortably use conventional financing. The median home price of $322,900 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
29630's market is balanced with homes taking an average of 56 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
The average home in 29630 sells for 2.1% below asking price (97.9% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 29630 can comfortably use conventional financing. The median home price of $322,900 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 29630 are set at the county level.
2026 Loan Limits — Pickens 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 29630
To purchase the median home at $322,900 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,624.
Monthly Payment
$2,624
Income Required
$112,455
Principal & Interest
$1,990/mo
Down Payment (5%)
$16,145
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 29630.
Estimated Monthly Payment
$2,148
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