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Georgetown city, SC

ZIP 29440 — 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 29440

Median Home Value
$160,400
Median Rent
$714
Affordability Snapshot
$44,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,030/mo PITI).

16%
Rent-to-Income Ratio

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

2.9x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

18.7 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 29440 in Georgetown city, SC, a household would need roughly $44,000 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 $1,030. That sits below the local median household income ($54,926), 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 23% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
81.8%+25% vs US avg
x
Vacancy Rate
22.9%+123% vs US avg
x
Broadband Access
77.9%-10% vs US avg
x
4+ Bedrooms
5.8%-61% vs US avg
x
Built Pre-1939
3.2%-75% vs US avg
x
Built Post-2014
1.6%-76% vs US avg
x
Rent Burden >30%
16.2%-67% vs US avg
x
Mortgage-Free
57.9%+52% vs US avg
x
$160,400
Home Value
$714
Rent
1983
Year Built
2008
Moved In

Residents have lived here since ~2008 on average

Housing Structure

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

  • 1-unit detached63.3%
  • 1-unit attached2.4%
  • 2-9 units7.3%
  • 10+ units3.3%
  • Mobile home & other23.7%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$160,400
Median rent$714
Owner-occupied81.8%
Vacant22.9%
Price-to-income2.9x
Est. income to buy$44,000