29577 — Horry County, South Carolina Market Snapshot
Housing market data for zip code 29577 in Horry County, South Carolina. Updated monthly with median prices, days on market, and more.
Market Sales Data
108 sales in 2026 (year to date)
Median Sale Price
$477,500
Days to Sell
112
Homes Sold
108
Inventory
255
Sale-to-List
96.9%
New Listings
156
Price/SqFt
$244
Pending Sales
129
Conforming Loan Available
Most homebuyers in 29577 can comfortably use conventional financing. The median home price of $477,500 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 112 days on average, 29577 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 29577 sells for 3.1% below asking price (96.9% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 29577 can comfortably use conventional financing. The median home price of $477,500 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 29577 are set at the county level.
2026 Loan Limits — Horry 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 29577
To purchase the median home at $477,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $3,808.
Monthly Payment
$3,808
Income Required
$163,219
Principal & Interest
$2,942/mo
Down Payment (5%)
$23,875
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 29577.
Estimated Monthly Payment
$3,105
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