Saint Stephen, SC—29479

As of Aug '25, the median home price in Saint Stephen, SC is $195,000, 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 1.6%, suggesting an increase housing market in the next year.

As of Aug '25 and according to Realtor.com, the median days on market for a home in Saint Stephen, SC is 85. This is an decrease of -21.0% from last year. This indicates that homes are sitting on the market shorter than last year. The percentage of listed homes with a reduced price is 47.0%. This is a large percentage of inventory, suggesting a lot of supply pressure on home prices.

According to the latest data from the U.S. Department of Housing and Urban Development (HUD) as of 2023, the number of mortgages originated in Saint Stephen, SC in that year was 93. 59.0% of all primary home loans were conventional, the remainder were government-backed loans, such as FHA loans. The average loan-to-value for all loans was 82.0%. Of those, 57.0% were >90% loan to value. This is considered very high, suggesting that mortgage risk is large in Saint Stephen, SC. Investor activity in Saint Stephen, SC is low, as 2.0% of all loans are originated by investors. In 2023, 6.0% of all loans were cash-out refinances, suggesting few homeowners are actively tapping their home's equity.