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Saint Stephen, SC—29479

Real Estate Data & Market Trends

Key Metrics at a Glance

Median Home Value
$198,000
4.4% YoY Growth
Household Income
$48,200
46.6% YoY Growth
Days on Market
93
65.0% Longer YoY
Home Price Forecast
2.5%
Median Rent
$1,800
N/A
1-Bed Rent
N/A
N/A
2-Bed Rent
N/A
N/A
3-Bed Rent
$1,800
N/A
  • Home Price Trends
  • Rental Trends
  • Property Listings
  • Demographics
  • Mortgage and Risk

Home Price Trends — Saint Stephen, SC

As of Dec '25, the median home price in Saint Stephen, SC is $198,000, with a year-over-year change of -4.4%. This indicates that home prices in Saint Stephen, SC are decreasing. According to Zillow, the 1-year price projection is 2.5%, suggesting an increase housing market in the next year.

Cost per Home Type

Home TypeMedian Home ValueYoY % Change
All Homes
$198,000-4.4%
Single Family $198,000-3.4%
Condos N/AN/A

Cost per Home Size

Home SizeMedian Home ValueYoY % Change
1 Bed
  • Affordability
  • Rentals and Section 8
    • N/A
    N/A
    2 Bed
    		N/AN/A
    3 Bed
    		$254,0001.2%
    4 Bed
    		N/AN/A
    5 Bed N/AN/A
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    % of Housing Stock

    Studio
    0.1%
    1 Bedroom
    3.4%
    2 Bedrooms
    22.4%
    3 Bedrooms
    49.0%
    4 Bedrooms
    19.1%
    5+ Bedrooms
    6.0%

    Rental Trends — Saint Stephen, SC

    Saint Stephen, SC lacks sufficient rental market data for analysis.

    TypeMedian RentAverage Rent
    Average Rent$1,800$1,800
    Studio Rent N/AN/A
    1 Bed Rent N/AN/A
    2 Bed Rent N/AN/A
    3 Bed Rent $1,800$1,800
    4 Bed Rent N/AN/A
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    % of Rental Stock

    Studio
    0.6%
    1 Bedroom
    6.3%
    2 Bedrooms
    27.9%
    3 Bedrooms
    48.4%
    4 Bedrooms
    5.9%
    5+ Bedrooms
    10.9%

    Property Listings — Saint Stephen, SC

    As of Dec '25, Realtor.com reports that the median days on market for a home in Saint Stephen, SC is 105. This is a increase of 37.0% from last year, suggesting that homes are sitting on the market longer than last year. The percentage of listed homes with a reduced price is 0.0%, representing a small inventory and little supply pressure on home prices.

    MetricZip Code AverageYear over Year % Change
    Median Listing Price
    		$272,000-25.0%
    Listing Count
    		2998.0%
    Listings as % of Homes0.4%98.0%
    Days on Market
    		9365.0%
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    Demographics — Saint Stephen, SC

    As of the latest ACS Survey released in 2023, Saint Stephen, SC has a population of 6,290, which has decreased by -7.0% over the past 5 years. Saint Stephen, SC is a popular place for families, as children make up 25.7% of the population. The area has a poorly educated workforce, with 12.9% of adult residents holding a bachelor’s degree or higher. There are few residents working remotely, with 7.3% reporting working from home.

    MetricLatest CensusYoY % Change
    Population
    		6,290-7.0%
    % Under 18
    		25.7%13.7%
    % Seniors
    		21.1%37.0%
    % WFH
    		7.3%121.2%
    % w/ College Degree
    		12.9%34.4%
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    As of the latest ACS Survey released in 2023, Saint Stephen, SC is a predominantly black area, with 44.5% of the population identifying as black. The black population has shrunk by 28.3% in the last 5 years. The second most common race or ethnicity in Saint Stephen, SC is white, making up 42.0% of the population. Foreign-born residents account for 1.5% of the population in Saint Stephen, SC, and this percentage has decreased by 16.7% as of the ACS Survey 5 years prior, suggesting fewer immigrants are calling the area home.

    Race and Ethnicity

    MetricLatest Census5-Year % Change
    % White
    		42.0%20.3%
    % Black
    		44.5%-28.3%
    % Hispanic
    		11.2%1,144.4%
    % Asian
    		0.0%-100.0%
    % Foreign Born
    		1.5%-16.7%
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    Mortgage and Risk — Saint Stephen, SC

    According to HUD data as of 2023, there were 93 mortgage originations in Saint Stephen, SC, of which 59.0% of loans were conventional mortgages. The average loan-to-value was 82.0%, with 57.0% above 90% LTV (very high). This implies large mortgage risk in Saint Stephen, SC. Investor activity is low, as 2.0% of loans were by investors. 6.0% of loans were cash-out refinances, suggesting few homeowners are tapping equity.

    Mortgages

    MetricZip Code Average
    Total Loan Originations
    		93
    % Conventional Loans
    		59.0%
    % Government Loans
    		41.0%
    % Investor Loans
    		2.0%
    % Second Loans
    		1.0%
    % Cash Out Refinance
    		6.0%
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    Rentals and Section 8 — Saint Stephen, SC

    Saint Stephen, SC lacks sufficient Section 8 program data for analysis.

    Section 8 Market Size

    Total Units under HUD
    		113
    Total Units Section 8
    		64
    % Rentals under Section 8
    		12.1%
    % Occupied Section 8
    		92.5%

    Section 8 Opportunity

    Home SizeHUD PremiumMarket RentMax HUD Rent
    1 BedroomN/AN/A$1,290
    2 BedroomN/AN/A$1,440
    3 Bedroom-$10$1,800$1,790
    4 BedroomN/AN/A$2,170

    Affordability — Saint Stephen, SC

    Home Price to Income Ratio

    MetricZip Code Average
    Home Price to Income Ratio4.2
    Median Home Price$198,000
    Median Household Income$48,200

    Saint Stephen, SC — ZIP Code Boundary Map

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    Nearby ZIP Codes

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    29431

    Pineville, SC

    29468

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    29461

    Cordesville, SC

    29434

    Moncks Corner, SC

    29469

    Frequently Asked Questions