29805 — Aiken County, South Carolina Market Snapshot
Housing market data for zip code 29805 in Aiken County, South Carolina. Updated monthly with median prices, days on market, and more.
Market Sales Data
11 sales in 2026 (year to date)
Median Sale Price
$434,850
Days to Sell
75
Homes Sold
11
Inventory
22
Sale-to-List
99.1%
New Listings
25
Price/SqFt
$202
Pending Sales
14
Conforming Loan Available
Most homebuyers in 29805 can comfortably use conventional financing. The median home price of $434,850 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 75 days on average, 29805 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 29805 (99.1% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 29805 can comfortably use conventional financing. The median home price of $434,850 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 29805 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 29805
To purchase the median home at $434,850 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $3,482.
Monthly Payment
$3,482
Income Required
$149,215
Principal & Interest
$2,679/mo
Down Payment (5%)
$21,743
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 29805.
Estimated Monthly Payment
$2,841
Connect with a LoanGraphs Loan Officer
Get expert guidance for zip code 29805. Tell us what you're looking for.