29745 — York County, South Carolina Market Snapshot
Housing market data for zip code 29745 in York County, South Carolina. Updated monthly with median prices, days on market, and more.
Market Sales Data
20 sales in 2026 (year to date)
Median Sale Price
$244,250
Days to Sell
83
Homes Sold
20
Inventory
17
Sale-to-List
99.9%
New Listings
19
Price/SqFt
$146
Pending Sales
N/A
Conforming Loan Available
Most homebuyers in 29745 can comfortably use conventional financing. The median home price of $244,250 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 83 days on average, 29745 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 29745 (99.9% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 29745 can comfortably use conventional financing. The median home price of $244,250 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 29745 are set at the county level.
2026 Loan Limits — York 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 29745
To purchase the median home at $244,250 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,021.
Monthly Payment
$2,021
Income Required
$86,630
Principal & Interest
$1,505/mo
Down Payment (5%)
$12,213
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 29745.
Estimated Monthly Payment
$1,662
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