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Columbia city, SC

ZIP 29205 — 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 29205

Median Home Value
$335,200
Median Rent
$899
Affordability Snapshot
$92,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$2,153/mo PITI).

17%
Rent-to-Income Ratio

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

5.4x
Home Price-to-Income Ratio

Well above the 3-5x guideline — challenging for first-time buyers.

31.1 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 29205 in Columbia city, SC, a household would need roughly $92,000 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 $2,153. That is about 48% above the local median household income ($62,197), so the median earner would likely stretch or need a larger down payment. Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Vacancy rate 15% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
52.5%-20% vs US avg
x
Vacancy Rate
14.5%+41% vs US avg
x
Broadband Access
89.9%+3% vs US avg
x
4+ Bedrooms
2.0%-86% vs US avg
x
Built Pre-1939
17.6%+38% vs US avg
x
Built Post-2014
0.3%-96% vs US avg
x
Rent Burden >30%
28.6%-42% vs US avg
x
Mortgage-Free
33.0%-14% vs US avg
x
$335,200
Home Value
$899
Rent
1955
Year Built
2018
Moved In

Residents have lived here since ~2018 on average

Housing Structure

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

  • 1-unit detached61.5%
  • 1-unit attached5.3%
  • 2-9 units26.7%
  • 10+ units5.8%
  • Mobile home & other0.8%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$335,200
Median rent$899
Owner-occupied52.5%
Vacant14.5%
Price-to-income5.4x
Est. income to buy$92,000