29803 — Aiken County, South Carolina Market Snapshot
Housing market data for zip code 29803 in Aiken County, South Carolina. Updated monthly with median prices, days on market, and more.
Market Sales Data
196 sales in 2026 (year to date)
Median Sale Price
$369,610
Days to Sell
67
Homes Sold
196
Inventory
254
Sale-to-List
97.7%
New Listings
288
Price/SqFt
$175
Pending Sales
243
Conforming Loan Available
Most homebuyers in 29803 can comfortably use conventional financing. The median home price of $369,610 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 67 days on average, 29803 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 29803 sells for 2.3% below asking price (97.7% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 29803 can comfortably use conventional financing. The median home price of $369,610 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 29803 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 29803
To purchase the median home at $369,610 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,982.
Monthly Payment
$2,982
Income Required
$127,793
Principal & Interest
$2,277/mo
Down Payment (5%)
$18,481
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 29803.
Estimated Monthly Payment
$2,437
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