29127 — Saluda County, South Carolina Market Snapshot
Housing market data for zip code 29127 in Saluda County, South Carolina. Updated monthly with median prices, days on market, and more.
Market Sales Data
41 sales in 2026 (year to date)
Median Sale Price
$525,345
Days to Sell
70
Homes Sold
41
Inventory
51
Sale-to-List
98.1%
New Listings
55
Price/SqFt
$203
Pending Sales
52
Conforming Loan Available
Most homebuyers in 29127 can comfortably use conventional financing. The median home price of $525,345 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, 29127 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 29127 (98.1% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 29127 can comfortably use conventional financing. The median home price of $525,345 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 29127 are set at the county level.
2026 Loan Limits — Saluda 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 29127
To purchase the median home at $525,345 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $4,175.
Monthly Payment
$4,175
Income Required
$178,930
Principal & Interest
$3,237/mo
Down Payment (5%)
$26,267
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 29127.
Estimated Monthly Payment
$3,401
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