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Isle of Palms city, SC

ZIP 29451 — Housing & Real Estate

Source: U.S. Census Bureau ACS 2019–2023 5-Year Estimates. Page data updated 2026-08-02.

Upper Middle ClassLow Snow AreaRemote Work Hub

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 29451

Median Home Value
$1,197,800
Median Rent
$2,736
Affordability Snapshot
$330,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$7,694/mo PITI).

22%
Rent-to-Income Ratio

Below the 30% threshold — generally affordable for median earners.

8.1x
Home Price-to-Income Ratio

Well above the 3-5x guideline — challenging for first-time buyers.

36.5 yrs
Price-to-Rent Ratio

Years to break even buying vs renting at median home value and rent.

To comfortably buy a median-priced home in ZIP 29451 in Isle of Palms city, SC, a household would need roughly $330,000 in annual income under a 20% down, 30-year loan at 6.8% (illustrative), keeping housing costs near 28% of income. Estimated monthly PITI is about $7,694. That is about 123% above the local median household income ($148,285), so the median earner would likely stretch or need a larger down payment. Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Vacancy rate 56% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
90.7%+39% vs US avg
x
Vacancy Rate
56.1%+445% vs US avg
x
Broadband Access
90.5%+4% vs US avg
x
4+ Bedrooms
13.6%-8% vs US avg
x
Built Pre-1939
2.5%-80% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
29.0%-42% vs US avg
x
Mortgage-Free
42.2%+10% vs US avg
x
$1,197,800
Home Value
$2,736
Rent
1986
Year Built
2012
Moved In

Residents have lived here since ~2012 on average

Housing Structure

Census ACS structure types (single-family, multi-unit, etc.).

  • 1-unit detached72.3%
  • 1-unit attached4.2%
  • 2-9 units2.8%
  • 10+ units20.7%
  • Mobile home & other0.0%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$1,197,800
Median rent$2,736
Owner-occupied90.7%
Vacant56.1%
Price-to-income8.1x
Est. income to buy$330,000