29118 — Calhoun County, South Carolina Market Snapshot
Housing market data for zip code 29118 in Calhoun County, South Carolina. Updated monthly with median prices, days on market, and more.
Market Sales Data
43 sales in 2026 (year to date)
Median Sale Price
$254,900
Days to Sell
107
Homes Sold
43
Inventory
54
Sale-to-List
96.3%
New Listings
47
Price/SqFt
$153
Pending Sales
55
Conforming Loan Available
Most homebuyers in 29118 can comfortably use conventional financing. The median home price of $254,900 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 107 days on average, 29118 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 29118 sells for 3.7% below asking price (96.3% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 29118 can comfortably use conventional financing. The median home price of $254,900 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 29118 are set at the county level.
2026 Loan Limits — Calhoun 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 29118
To purchase the median home at $254,900 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,103.
Monthly Payment
$2,103
Income Required
$90,127
Principal & Interest
$1,571/mo
Down Payment (5%)
$12,745
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 29118.
Estimated Monthly Payment
$1,728
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