29401 — Charleston County, South Carolina Market Snapshot
Housing market data for zip code 29401 in Charleston County, South Carolina. Updated monthly with median prices, days on market, and more.
Market Sales Data
11 sales in 2026 (year to date)
Median Sale Price
$2,040,000
Days to Sell
90
Homes Sold
11
Inventory
17
Sale-to-List
96.1%
New Listings
16
Price/SqFt
$896
Pending Sales
8
Jumbo Loan Likely Needed
The median home in 29401 at $2,040,000 exceeds the 2026 conforming loan limit of $832,750 by $1,207,250. Most buyers here will need jumbo loans, which typically require higher credit scores, larger down payments, and come with different rate pricing.
Market Insights
Market Temperature
With homes sitting for 90 days on average, 29401 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 29401 sells for 3.9% below asking price (96.1% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
The median home in 29401 at $2,040,000 exceeds the 2026 conforming loan limit of $832,750 by $1,207,250. Most buyers here will need jumbo loans, which typically require higher credit scores, larger down payments, and come with different rate pricing.
Loan limits in 29401 are set at the county level.
2026 Loan Limits — Charleston 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 29401
To purchase the median home at $2,040,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $15,780.
Monthly Payment
$15,780
Income Required
$676,278
Principal & Interest
$12,570/mo
Down Payment (5%)
$102,000
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 29401.
Estimated Monthly Payment
$12,775
Jumbo loan required. Loan amount exceeds the $832,750 conforming limit for 29401.
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