29492 — Berkeley County, South Carolina Market Snapshot
Housing market data for zip code 29492 in Berkeley County, South Carolina. Updated monthly with median prices, days on market, and more.
Market Sales Data
35 sales in 2026 (year to date)
Median Sale Price
$559,990
Days to Sell
124
Homes Sold
35
Inventory
59
Sale-to-List
98.8%
New Listings
42
Price/SqFt
$308
Pending Sales
32
Conforming Loan Available
Most homebuyers in 29492 can comfortably use conventional financing. The median home price of $559,990 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 124 days on average, 29492 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 29492 (98.8% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 29492 can comfortably use conventional financing. The median home price of $559,990 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 29492 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 29492
To purchase the median home at $559,990 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $4,440.
Monthly Payment
$4,440
Income Required
$190,306
Principal & Interest
$3,450/mo
Down Payment (5%)
$28,000
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 29492.
Estimated Monthly Payment
$3,616
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