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Smoaks town, SC

ZIP 29481 — Housing & Real Estate

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

Working ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 29481

Median Home Value
$103,000
Median Rent
$399
Affordability Snapshot
$28,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$662/mo PITI).

10%
Rent-to-Income Ratio

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

2.2x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

21.5 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 29481 in Smoaks town, SC, a household would need roughly $28,000 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 $662. That sits below the local median household income ($46,380), suggesting the typical household income is closer to a workable buy-in level under these assumptions. Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Vacancy rate 19% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
81.2%+24% vs US avg
x
Vacancy Rate
18.9%+83% vs US avg
x
Broadband Access
77.7%-11% vs US avg
x
4+ Bedrooms
0.8%-95% vs US avg
x
Built Pre-1939
5.5%-57% vs US avg
x
Built Post-2014
3.5%-49% vs US avg
x
Rent Burden >30%
14.9%-70% vs US avg
x
Mortgage-Free
60.5%+58% vs US avg
x
$103,000
Home Value
$399
Rent
1991
Year Built
2005
Moved In

Residents have lived here since ~2005 on average

Housing Structure

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

  • 1-unit detached41.1%
  • 1-unit attached1.0%
  • 2-9 units0.0%
  • 10+ units0.0%
  • Mobile home & other57.9%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$103,000
Median rent$399
Owner-occupied81.2%
Vacant18.9%
Price-to-income2.2x
Est. income to buy$28,000