29809 — Aiken County, South Carolina Market Snapshot
Housing market data for zip code 29809 in Aiken County, South Carolina. Updated monthly with median prices, days on market, and more.
Market Sales Data
15 sales in 2026 (year to date)
Median Sale Price
$261,828
Days to Sell
77
Homes Sold
15
Inventory
9
Sale-to-List
96.9%
New Listings
21
Price/SqFt
$143
Pending Sales
15
Conforming Loan Available
Most homebuyers in 29809 can comfortably use conventional financing. The median home price of $261,828 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 77 days on average, 29809 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 29809 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 29809 can comfortably use conventional financing. The median home price of $261,828 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 29809 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 29809
To purchase the median home at $261,828 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,156.
Monthly Payment
$2,156
Income Required
$92,402
Principal & Interest
$1,613/mo
Down Payment (5%)
$13,091
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 29809.
Estimated Monthly Payment
$1,770
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