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Columbia city, SC

ZIP 29045 — Housing & Real Estate

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

Middle ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 29045

Median Home Value
$241,200
Median Rent
$1,095
Affordability Snapshot
$66,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,549/mo PITI).

16%
Rent-to-Income Ratio

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

3.0x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

18.4 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 29045 in Columbia city, SC, a household would need roughly $66,000 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 $1,549. That sits below the local median household income ($80,627), 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

Owner-occupied majority; balanced tenure mix.

Heating Fuel
Housing Metrics
Owner Occupied
84.4%+29% vs US avg
x
Vacancy Rate
6.7%-35% vs US avg
x
Broadband Access
94.5%+9% vs US avg
x
4+ Bedrooms
9.5%-36% vs US avg
x
Built Pre-1939
0.2%-99% vs US avg
x
Built Post-2014
4.6%-33% vs US avg
x
Rent Burden >30%
24.6%-50% vs US avg
x
Mortgage-Free
29.4%-23% vs US avg
x
$241,200
Home Value
$1,095
Rent
2003
Year Built
2014
Moved In

Residents have lived here since ~2014 on average

Housing Structure

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

  • 1-unit detached79.3%
  • 1-unit attached0.9%
  • 2-9 units3.8%
  • 10+ units2.6%
  • Mobile home & other13.5%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$241,200
Median rent$1,095
Owner-occupied84.4%
Vacant6.7%
Price-to-income3.0x
Est. income to buy$66,000