29403 — Charleston County, South Carolina Market Snapshot
Housing market data for zip code 29403 in Charleston County, South Carolina. Updated monthly with median prices, days on market, and more.
Market Sales Data
74 sales in 2026 (year to date)
Median Sale Price
$975,000
Days to Sell
85
Homes Sold
74
Inventory
97
Sale-to-List
96.2%
New Listings
102
Price/SqFt
$636
Pending Sales
84
Jumbo Loan Likely Needed
The median home in 29403 at $975,000 exceeds the 2026 conforming loan limit of $832,750 by $142,250. 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 85 days on average, 29403 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 29403 sells for 3.8% below asking price (96.2% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
The median home in 29403 at $975,000 exceeds the 2026 conforming loan limit of $832,750 by $142,250. 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 29403 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 29403
To purchase the median home at $975,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $7,620.
Monthly Payment
$7,620
Income Required
$326,577
Principal & Interest
$6,008/mo
Down Payment (5%)
$48,750
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 29403.
Estimated Monthly Payment
$6,184
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