29461 — Berkeley County, South Carolina Market Snapshot
Housing market data for zip code 29461 in Berkeley County, South Carolina. Updated monthly with median prices, days on market, and more.
Market Sales Data
23 sales in 2026 (year to date)
Median Sale Price
$274,990
Days to Sell
178
Homes Sold
23
Inventory
63
Sale-to-List
101.7%
New Listings
42
Price/SqFt
$194
Pending Sales
34
Conforming Loan Available
Most homebuyers in 29461 can comfortably use conventional financing. The median home price of $274,990 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 178 days on average, 29461 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 29461 (101.7% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 29461 can comfortably use conventional financing. The median home price of $274,990 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 29461 are set at the county level.
2026 Loan Limits — Berkeley County
| Property Units | Conforming Limit | FHA Limit |
|---|---|---|
| 1 Unit | $832,750 | $690,000 |
| 2 Units | $1,066,250 | $883,300 |
| 3 Units | $1,288,800 | $1,067,750 |
| 4 Units | $1,601,750 | $1,326,950 |
Affordability Snapshot — Zip 29461
To purchase the median home at $274,990 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,257.
Monthly Payment
$2,257
Income Required
$96,724
Principal & Interest
$1,694/mo
Down Payment (5%)
$13,750
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 29461.
Estimated Monthly Payment
$1,852
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