29640 — Pickens County, South Carolina Market Snapshot
Housing market data for zip code 29640 in Pickens County, South Carolina. Updated monthly with median prices, days on market, and more.
Market Sales Data
14 sales in 2026 (year to date)
Median Sale Price
$225,900
Days to Sell
70
Homes Sold
14
Inventory
18
Sale-to-List
99.1%
New Listings
21
Price/SqFt
$147
Pending Sales
19
Conforming Loan Available
Most homebuyers in 29640 can comfortably use conventional financing. The median home price of $225,900 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
With homes sitting for 70 days on average, 29640 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 29640 (99.1% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 29640 can comfortably use conventional financing. The median home price of $225,900 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 29640 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 29640
To purchase the median home at $225,900 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $1,881.
Monthly Payment
$1,881
Income Required
$80,604
Principal & Interest
$1,392/mo
Down Payment (5%)
$11,295
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 29640.
Estimated Monthly Payment
$1,548
Connect with a LoanGraphs Loan Officer
Get expert guidance for zip code 29640. Tell us what you're looking for.