29729 — Chester County, South Carolina Market Snapshot
Housing market data for zip code 29729 in Chester County, South Carolina. Updated monthly with median prices, days on market, and more.
Market Sales Data
34 sales in 2026 (year to date)
Median Sale Price
$317,500
Days to Sell
80
Homes Sold
34
Inventory
35
Sale-to-List
99.1%
New Listings
41
Price/SqFt
$176
Pending Sales
N/A
Conforming Loan Available
Most homebuyers in 29729 can comfortably use conventional financing. The median home price of $317,500 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 80 days on average, 29729 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 29729 (99.1% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 29729 can comfortably use conventional financing. The median home price of $317,500 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 29729 are set at the county level.
2026 Loan Limits — Chester 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 29729
To purchase the median home at $317,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,583.
Monthly Payment
$2,583
Income Required
$110,682
Principal & Interest
$1,956/mo
Down Payment (5%)
$15,875
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 29729.
Estimated Monthly Payment
$2,115
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