AccessibleUpdated MAY 20, 2026

Columbia, SC

ZIP 29209·Richland County·Columbia, SC·37,314 residents·Median income $58,854·Leaning Buyer

29209 · Columbia, SC has a HavenScore of 61 — population, income, and price trajectory all line up on the growth side.

Compare
61
▲ +5 / 90d#20/44 in SCHavenScore
Rank

Ranked #849 of 13,130 nationally · #462 of 6,756 mid-size ZIPs

Switch perspective

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

Sub-scores below recompute with these weights

Affordability
63/100
Growth
69/100
Risk
46/100
Momentum
57/100
Livability
76/100
Score · trailing 12 mo
56 → 61
+5 points
30-day
+3
90-day
+5
1-yr
+5

Snapshot

Numbers at a glance

Median price
$225,403
Typical home value
YoY change
+1.39%
12-mo trailing
Price-to-income
3.8×
healthy <4.0×
Est. monthly
$1,342
PITI · 20% · 6.51%
Active listings
115
current count
Days on market
41
median DOM
Vacancy
10.0%
Average
Owner-occupied
59%
of homes
Denial rate
26.2%
Above-average
Lending activity
8,592
originations
Net migration
+5.7%
net inflow
Income inflow
$62k
average
Walkability
9.6
Below-average
Risk rating
Relatively High
FEMA NRI

Composition

Pillars behind the score

Affordability

35% of score
63/100
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
69/100
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

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Signals

What's driving this score

Top 4 of 14 signals
Tailwinds2
  • Strong migration inflow
    +5.7% net — people moving in
  • Growing population
    +2.2% annual growth
Headwinds2
  • Potentially overvalued
    60% above historical price-to-income
  • Widespread price cuts
    22% of listings cutting price
Buyer / seller gauge

Market conditions

Leaning Buyer

Conditions easing in buyers' favor. Sign in to save this ZIP and track how the score moves.

-24
Strong buyerBalancedStrong seller
Trend
Heating toward seller

Pulse

What's changed in the last 90 days

🔒 Haven
Steady

Median price

1.0%$225k
🔒 Haven
Falling

Inventory

−8.7%115

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

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Metrics

The raw numbers

Median Home Value

$225,403

▲ +1.39% YoY
Median Rent

$1,484

▲ +4.80% YoY
Active Inventory

115

Days on Market

41 days

Price Cuts

+21.88%

Price-to-Income

3.8×

Median Income

$58,854

Population

37,314

Overvaluation

+60.25%

Trend

Where it's been

Historical Trends

Updated May 2026

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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

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—————
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.

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Payment

What you'd owe each month

Est. monthly payment
$1,342/ mo

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

Principal$163
Interest$978
Property tax$107
Insurance$94
Rent vs buy
Median rent
$1,484
/ mo
Own (PITI)
$1,342
/ mo
Monthly gap
$142owning is at or below rent today

Decide

Run the numbers

Cost of ownership over time

Cumulative housing cost, interest paid, and equity built · 10% down · ZIP median income $58,854

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%

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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
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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 Report29209Market AnalysisGENERATED FOR PRO MEMBERS78PILLAR BREAKDOWNHAVENSCORE.APP · PRO REPORT🔒 Pro
  • Branded PDF with all metrics
  • Includes forecast + scorecards
  • Suitable for client presentations
  • Unlimited exports
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Comparable ZIPs

Same shape, lower entry

ZIPs the score groups near 29209 on Affordability and Growth — sorted by lowest median value.

ZIP 44902
Mansfield
OH
55
$70,021+8.30%
ZIP 29052
Gadsden
SC
59
$102,549-4.45%
ZIP 29044
29044
SC
61
$104,011-8.40%
ZIP 58053
Lidgerwood
ND
55
$123,737-13.86%

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

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