29860 — Edgefield County, South Carolina Market Snapshot
Housing market data for zip code 29860 in Edgefield County, South Carolina. Updated monthly with median prices, days on market, and more.
Market Sales Data
118 sales in 2026 (year to date)
Median Sale Price
$346,900
Days to Sell
110
Homes Sold
118
Inventory
44
Sale-to-List
98.5%
New Listings
135
Price/SqFt
$162
Pending Sales
108
Conforming Loan Available
Most homebuyers in 29860 can comfortably use conventional financing. The median home price of $346,900 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 110 days on average, 29860 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 29860 (98.5% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 29860 can comfortably use conventional financing. The median home price of $346,900 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 29860 are set at the county level.
2026 Loan Limits — Edgefield 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 29860
To purchase the median home at $346,900 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,808.
Monthly Payment
$2,808
Income Required
$120,336
Principal & Interest
$2,137/mo
Down Payment (5%)
$17,345
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 29860.
Estimated Monthly Payment
$2,297
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