29585 — Georgetown County, South Carolina Market Snapshot
Housing market data for zip code 29585 in Georgetown County, South Carolina. Updated monthly with median prices, days on market, and more.
Market Sales Data
103 sales in 2026 (year to date)
Median Sale Price
$714,000
Days to Sell
98
Homes Sold
103
Inventory
145
Sale-to-List
97.1%
New Listings
126
Price/SqFt
$302
Pending Sales
124
Conforming Loan Available
The median home in 29585 at $714,000 falls within the 2026 conforming loan limit of $832,750, but buyers putting less than 5% down may need jumbo financing. This makes down payment strategy especially important in this market.
Market Insights
Market Temperature
With homes sitting for 98 days on average, 29585 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 29585 sells for 2.9% below asking price (97.1% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
The median home in 29585 at $714,000 falls within the 2026 conforming loan limit of $832,750, but buyers putting less than 5% down may need jumbo financing. This makes down payment strategy especially important in this market.
Loan limits in 29585 are set at the county level.
2026 Loan Limits — Georgetown 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 29585
To purchase the median home at $714,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $5,620.
Monthly Payment
$5,620
Income Required
$240,876
Principal & Interest
$4,399/mo
Down Payment (5%)
$35,700
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 29585.
Estimated Monthly Payment
$4,569
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