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Columbia city, SC

ZIP 29044 — Housing & Real Estate

Source: U.S. Census Bureau ACS 2019–2023 5-Year Estimates. Page data updated 2026-08-02.

Working ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 29044

Median Home Value
$112,600
Median Rent
$708
Affordability Snapshot
$31,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$723/mo PITI).

16%
Rent-to-Income Ratio

Below the 30% threshold — generally affordable for median earners.

2.1x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

13.3 yrs
Price-to-Rent Ratio

Years to break even buying vs renting at median home value and rent.

To comfortably buy a median-priced home in ZIP 29044 in Columbia city, SC, a household would need roughly $31,000 in annual income under a 20% down, 30-year loan at 6.8% (illustrative), keeping housing costs near 28% of income. Estimated monthly PITI is about $723. That sits below the local median household income ($53,709), suggesting the typical household income is closer to a workable buy-in level under these assumptions. Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Vacancy rate 22% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
83.9%+28% vs US avg
x
Vacancy Rate
21.8%+112% vs US avg
x
Broadband Access
81.3%-7% vs US avg
x
4+ Bedrooms
3.1%-79% vs US avg
x
Built Pre-1939
5.0%-61% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
34.8%-30% vs US avg
x
Mortgage-Free
40.7%+7% vs US avg
x
$112,600
Home Value
$708
Rent
1986
Year Built
2009
Moved In

Residents have lived here since ~2009 on average

Housing Structure

Census ACS structure types (single-family, multi-unit, etc.).

  • 1-unit detached60.7%
  • 1-unit attached0.2%
  • 2-9 units2.5%
  • 10+ units0.1%
  • Mobile home & other36.5%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$112,600
Median rent$708
Owner-occupied83.9%
Vacant21.8%
Price-to-income2.1x
Est. income to buy$31,000