FairUpdated MAY 20, 2026

Winnsboro, SC

ZIP 29180·Fairfield County·Columbia, SC·11,862 residents·Median income $41,604·Buyer's Market

29180 · Winnsboro, SC has a HavenScore of 51 — momentum signals are loosening in buyers' favor versus three months ago.

Compare
51
▼ -4 / 90d#39/44 in SCHavenScore
Rank

Ranked #6,222 of 13,130 nationally · #2,615 of 5,378 small market ZIPs

Switch perspective

Overall view active — Equal weight across affordability, growth, risk, momentum.

Sub-scores below recompute with these weights

Affordability
53/100
Growth
52/100
Risk
46/100
Momentum
57/100
Livability
38/100
Score · trailing 12 mo
55 → 51
-4 points
30-day
-1
90-day
-4
1-yr
-4

Snapshot

Numbers at a glance

Median price
$160,581
Typical home value
YoY change
-0.60%
12-mo trailing
Price-to-income
3.9×
healthy <4.0×
Est. monthly
$956
PITI · 20% · 6.51%
Active listings
31
current count
Days on market
90
median DOM
Vacancy
22.2%
Above-average
Owner-occupied
70%
of homes
Denial rate
42.0%
Above-average
Lending activity
284
originations
Net migration
+6.0%
net inflow
Income inflow
$60k
average
Walkability
4.2
Least walkable
Risk rating
Relatively Moderate
FEMA NRI

Composition

Pillars behind the score

Affordability

35% of score
53/100
Price-to-income
Healthy under 4×·ACS · ZHVI
🔒 Haven
Property tax rate
Annual, as % of value·Tax Foundation 2024
🔒 Haven
Median income
Household·Census ACS
🔒 Haven

Growth momentum

25% of score
52/100
12-month price change
Trailing year·Zillow ZHVI
🔒 Haven
12-month rent change
Trailing year·Zillow ZORI
🔒 Haven
Population
Estimated residents·Census ACS
🔒 Haven

Market risk

20% of score
46/100
Overvaluation
vs fundamentals·HavenScore composite
🔒 Haven
Active listings
Raw count — lower is tighter supply·Realtor.com
🔒 Haven
Price cuts
Share of listings·Realtor.com
🔒 Haven

Momentum

20% of score
57/100
Days on market
Median listing age·Realtor.com
🔒 Haven
Buyer / seller gauge
Market balance·HavenScore composite
🔒 Haven
Demand dial
Composite demand signal·HavenScore composite
🔒 Haven

Sign up free to open every signal driving the score for this ZIP

Free account · no card needed

Sign up free

Signals

What's driving this score

Top 4 of 14 signals
Tailwinds1
  • Strong migration inflow
    +6.0% net — people moving in
Headwinds3
  • Elevated unemployment
    5.5% unemployment rate
  • Widespread price cuts
    34% of listings cutting price
  • Slow-moving market
    90 days on market — homes sitting longer
Buyer / seller gauge

Market conditions

Buyer's Market

Buyers hold the leverage. Listings sit longer and often close below asking. Sign in to save this ZIP and track how the score moves.

-51
Strong buyerBalancedStrong seller
Trend
Heating toward seller

Pulse

What's changed in the last 90 days

🔒 Haven
Rising

Median price

+1.6%$161k
🔒 Haven
Falling

Inventory

−26.2%31

Change vs. prior 90 days · arrow shows direction, not whether it’s good or bad

Pulse signals unlock with Haven, plus a one-line market interpretation.

Sign up free to open the full 90-day pulse and how the score reads it

Free account · no card needed

Sign up free

Metrics

The raw numbers

Median Home Value

$160,581

▼ -0.60% YoY
Median Rent

—

Active Inventory

31

Days on Market

90 days

Price Cuts

+34.15%

Price-to-Income

3.9×

Median Income

$41,604

Population

11,862

Overvaluation

+11.88%

Trend

Where it's been

Historical Trends

Updated May 2026

🔒 Haven
—————
← Haven · 5 yrs  |  Free · 12 mo →
5-year history + cycle context unlocks with Haven · last 12 months shown free

Sign up free to open 5 years of price history with cycle context

Free account · no card needed

Sign up free

Forecast

Where it's heading

The HavenScore Forecast Model (v1) projects this ZIP’s median value at 3-, 6-, and 12-month horizons, with 80% prediction intervals.

Price Forecast

12-month projection · 80% calibrated interval

🔒 Haven
—————
Free · 3 mo  |  Haven · 12 mo →
3-month
🔒 Haven
6-month
🔒 Haven
12-month
🔒 Haven
12-month forecast + confidence intervals + AI-explained drivers unlock with Haven

Forecasts are the model’s projection, not a prediction. Actuals will differ.

Sign up free to open the 12-month HavenScore Forecast Model (v1) projection and intervals

Free account · no card needed

Sign up free

Payment

What you'd owe each month

Est. monthly payment
$956/ mo

20% down · 30-yr fixed · 6.51% · tax 0.57%

Principal$116
Interest$697
Property tax$76
Insurance$67
Rent vs buy

Rent data isn’t published for this ZIP, so we can’t compute a rent-vs-buy gap.

Decide

Run the numbers

Cost of ownership over time

Cumulative housing cost, interest paid, and equity built · 10% down · ZIP median income $41,604

1-year
Total housing cost
🔒 Haven
Interest paid
🔒 Haven
Principal paid
🔒 Haven
Equity built
🔒 Haven
5-year
Total housing cost
🔒 Haven
Interest paid
🔒 Haven
Principal paid
🔒 Haven
Equity built
🔒 Haven
30-year
Total housing cost
🔒 Haven
Interest paid
🔒 Haven
Principal paid
🔒 Haven
Equity built
🔒 Haven

Equity assumes flat home value; real appreciation could push it higher · Rate 6.51%

Sign up free to open the year 1 / 5 / 30 cost-of-ownership math for this ZIP

Free account · no card needed

Sign up free
Haven featurefrom $8/mo

The score has more to say about this ZIP.

A list-timing recommendation for sellers — buyer/seller gauge, recent signals, and a polished PDF. Switch to Seller view to generate it.

Report sections · Haven

Buyer / Seller gauge🔒 Haven
Market state callout🔒 Haven
Recent direction in seller-relevant signals🔒 Haven
Net proceeds estimator🔒 Haven
Methodology summary🔒 Haven
  • List-timing recommendation
  • Metro and ZIP context
  • Polished PDF layout
  • Refreshed monthly
Sign up free — preview unlocks instantlyCompare plans
Pro featurefrom $25/mo

The score has more to say about this ZIP.

A four-page editorial PDF: market summary, full pillar breakdown, 5-year history with forecast, alternatives, and a 30-year cost-of-ownership table.

HavenScore Report29180Market AnalysisGENERATED FOR PRO MEMBERS78PILLAR BREAKDOWNHAVENSCORE.APP · PRO REPORT🔒 Pro
  • Branded PDF with all metrics
  • Includes forecast + scorecards
  • Suitable for client presentations
  • Unlimited exports
Sign up free — preview unlocks instantlyCompare plans

Comparable ZIPs

Same shape, lower entry

ZIPs the score groups near 29180 on Affordability and Growth — sorted by lowest median value.

ZIP 29015
Blair
SC
51
$154,912+0.68%
ZIP 29810
Allendale
SC
53
$68,479-6.29%
ZIP 29828
Gloverville
SC
53
$74,046-7.03%
ZIP 29570
McColl
SC
52
$76,118-13.01%

Sources

Every number, traced

Every metric above is sourced from public datasets, normalized against the national ZIP distribution. Home values and rents refresh monthly; demographics refresh annually.

Zillow Research
Home values, rents, inventory, transactions
Realtor.com
Inventory, days on market, price-cut share
Redfin
Sale prices, transaction volume
US Census ACS
Income, population, vacancy, cost burden
Freddie Mac PMMS
Current 30-year fixed mortgage rates
FHFA HPI
Long-term price trends
HUD Small Area FMR
Per-ZIP fair market rents (rural fallback)
BEA & IRS
Personal income growth, net migration
Lending & accessibility
Lending and neighborhood-access signals

Get monthly updates on this ZIP

Join HavenScore Weekly for data-driven takes and top movers across every scored ZIP.

Free. Unsubscribe anytime.

CookiesCookies keep you signed in and help us see what’s slow. Privacy.