29440 — Williamsburg County, South Carolina Market Snapshot
Housing market data for zip code 29440 in Williamsburg County, South Carolina. Updated monthly with median prices, days on market, and more.
Market Sales Data
92 sales in 2026 (year to date)
Median Sale Price
$398,749
Days to Sell
105
Homes Sold
92
Inventory
216
Sale-to-List
96.8%
New Listings
149
Price/SqFt
$205
Pending Sales
118
Conforming Loan Available
Most homebuyers in 29440 can comfortably use conventional financing. The median home price of $398,749 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 105 days on average, 29440 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 29440 sells for 3.2% below asking price (96.8% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 29440 can comfortably use conventional financing. The median home price of $398,749 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 29440 are set at the county level.
2026 Loan Limits — Williamsburg 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 29440
To purchase the median home at $398,749 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $3,205.
Monthly Payment
$3,205
Income Required
$137,361
Principal & Interest
$2,457/mo
Down Payment (5%)
$19,937
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 29440.
Estimated Monthly Payment
$2,618
Connect with a LoanGraphs Loan Officer
Get expert guidance for zip code 29440. Tell us what you're looking for.