Saint Stephen, SC—29479
Real Estate Data & Market Trends
Key Metrics at a Glance
Home Price Trends — Saint Stephen, SC
As of Oct '25, the median home price in Saint Stephen, SC is $198,000, with a year-over-year change of -5.1%. This indicates that home prices in Saint Stephen, SC are decreasing. According to Zillow, the 1-year price projection is 2.1%, suggesting an increase housing market in the next year.
Cost per Home Type
| Home Type | Median Home Value | YoY % Change |
|---|---|---|
All Homes | $198,000 | -5.1% |
| Single Family | $198,000 | -4.3% |
| Condos | N/A | N/A |
Cost per Home Size
| Home Size | Median Home Value | YoY % Change |
|---|---|---|
1 Bed | N/A | N/A |
2 Bed | N/A | N/A |
3 Bed | $251,000 | 0.0% |
4 Bed | N/A | N/A |
| 5 Bed | N/A | N/A |
% of Housing Stock
Rental Trends — Saint Stephen, SC
Saint Stephen, SC lacks sufficient rental market data for analysis.
| Type | Median Rent | Average Rent |
|---|---|---|
| Average Rent | $1,800 | $1,800 |
| Studio Rent | N/A | N/A |
| 1 Bed Rent | N/A | N/A |
| 2 Bed Rent | N/A | N/A |
| 3 Bed Rent | $1,800 | $1,800 |
| 4 Bed Rent | N/A | N/A |
% of Rental Stock
Property Listings — Saint Stephen, SC
As of Oct '25, Realtor.com reports that the median days on market for a home in Saint Stephen, SC is 96. This is a decrease of -2.0% from last year, suggesting that homes are sitting on the market shorter than last year. The percentage of listed homes with a reduced price is 15.0%, representing a small inventory and little supply pressure on home prices.
| Metric | Zip Code Average | Year over Year % Change |
|---|---|---|
Median Listing Price | $230,000 | -37.0% |
Listing Count | 26 | 77.0% |
| Listings as % of Homes | 0.4% | 77.0% |
Days on Market | 96 | -2.0% |
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.
| Metric | Latest Census | YoY % 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% |
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
| Metric | Latest Census | 5-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% |
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
| Metric | Zip 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% |
Loan Activity
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 Size | HUD Premium | Market Rent | Max HUD Rent |
|---|---|---|---|
| 1 Bedroom | N/A | N/A | $1,290 |
| 2 Bedroom | N/A | N/A | $1,440 |
| 3 Bedroom | -$10 | $1,800 | $1,790 |
| 4 Bedroom | N/A | N/A | $2,170 |
Affordability — Saint Stephen, SC
Home Price to Income Ratio
| Metric | Zip Code Average |
|---|---|
| Home Price to Income Ratio | 4.2 |
| Median Home Price | $198,000 |
| Median Household Income | $48,200 |