29666 — Saluda County, South Carolina Market Snapshot
Housing market data for zip code 29666 in Saluda 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
$620,000
Days to Sell
82
Homes Sold
14
Inventory
48
Sale-to-List
96.9%
New Listings
29
Price/SqFt
$239
Pending Sales
15
Conforming Loan Available
Most homebuyers in 29666 can comfortably use conventional financing. The median home price of $620,000 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 82 days on average, 29666 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 29666 sells for 3.1% below asking price (96.9% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 29666 can comfortably use conventional financing. The median home price of $620,000 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 29666 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 29666
To purchase the median home at $620,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $4,900.
Monthly Payment
$4,900
Income Required
$210,010
Principal & Interest
$3,820/mo
Down Payment (5%)
$31,000
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 29666.
Estimated Monthly Payment
$3,987
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