29685 — Pickens County, South Carolina Market Snapshot
Housing market data for zip code 29685 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
$2,775,342
Days to Sell
132
Homes Sold
14
Inventory
58
Sale-to-List
94.0%
New Listings
42
Price/SqFt
$614
Pending Sales
14
Jumbo Loan Likely Needed
The median home in 29685 at $2,775,342 exceeds the 2026 conforming loan limit of $832,750 by $1,942,592. 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
With homes sitting for 132 days on average, 29685 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 29685 sells for 6.0% below asking price (94.0% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
The median home in 29685 at $2,775,342 exceeds the 2026 conforming loan limit of $832,750 by $1,942,592. 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 29685 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 29685
To purchase the median home at $2,775,342 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $21,414.
Monthly Payment
$21,414
Income Required
$917,734
Principal & Interest
$17,101/mo
Down Payment (5%)
$138,767
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 29685.
Estimated Monthly Payment
$17,326
Jumbo loan required. Loan amount exceeds the $832,750 conforming limit for 29685.
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