29801 — Aiken County, South Carolina Market Snapshot
Housing market data for zip code 29801 in Aiken County, South Carolina. Updated monthly with median prices, days on market, and more.
Market Sales Data
126 sales in 2026 (year to date)
Median Sale Price
$297,700
Days to Sell
90
Homes Sold
126
Inventory
178
Sale-to-List
97.4%
New Listings
190
Price/SqFt
$150
Pending Sales
159
Conforming Loan Available
Most homebuyers in 29801 can comfortably use conventional financing. The median home price of $297,700 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 90 days on average, 29801 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 29801 sells for 2.6% below asking price (97.4% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 29801 can comfortably use conventional financing. The median home price of $297,700 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 29801 are set at the county level.
2026 Loan Limits — Aiken 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 29801
To purchase the median home at $297,700 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,431.
Monthly Payment
$2,431
Income Required
$104,181
Principal & Interest
$1,834/mo
Down Payment (5%)
$14,885
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 29801.
Estimated Monthly Payment
$1,992
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