29851 — Aiken County, South Carolina Market Snapshot
Housing market data for zip code 29851 in Aiken County, South Carolina. Updated monthly with median prices, days on market, and more.
Market Sales Data
18 sales in 2026 (year to date)
Median Sale Price
$260,450
Days to Sell
56
Homes Sold
18
Inventory
19
Sale-to-List
99.1%
New Listings
26
Price/SqFt
$158
Pending Sales
19
Conforming Loan Available
Most homebuyers in 29851 can comfortably use conventional financing. The median home price of $260,450 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
29851's market is balanced with homes taking an average of 56 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
Homes are selling very close to asking price in 29851 (99.1% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 29851 can comfortably use conventional financing. The median home price of $260,450 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 29851 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 29851
To purchase the median home at $260,450 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,145.
Monthly Payment
$2,145
Income Required
$91,949
Principal & Interest
$1,605/mo
Down Payment (5%)
$13,023
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 29851.
Estimated Monthly Payment
$1,762
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