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St. Charles CDP, SC

ZIP 29104 — 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 29104

Median Home Value
$108,000
Median Rent
$423
Affordability Snapshot
$30,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$694/mo PITI).

9%
Rent-to-Income Ratio

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

2.0x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

21.3 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 29104 in St. Charles CDP, SC, a household would need roughly $30,000 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 $694. That sits below the local median household income ($54,583), 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 26% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
62.8%-4% vs US avg
x
Vacancy Rate
26.4%+156% vs US avg
x
Broadband Access
75.4%-13% vs US avg
x
4+ Bedrooms
2.5%-83% vs US avg
x
Built Pre-1939
0.8%-94% vs US avg
x
Built Post-2014
1.4%-80% vs US avg
x
Rent Burden >30%
26.5%-47% vs US avg
x
Mortgage-Free
52.9%+38% vs US avg
x
$108,000
Home Value
$423
Rent
1984
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 detached56.8%
  • 1-unit attached0.0%
  • 2-9 units0.0%
  • 10+ units0.0%
  • Mobile home & other43.2%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$108,000
Median rent$423
Owner-occupied62.8%
Vacant26.4%
Price-to-income2.0x
Est. income to buy$30,000