US5.com
  1. Home
  2. States
  3. South Carolina
  4. ZIP 29645
  5. Housing & Real Estate
Gray Court town, SC

ZIP 29645 — 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 29645

Median Home Value
$163,700
Median Rent
$676
Affordability Snapshot
$45,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,052/mo PITI).

14%
Rent-to-Income Ratio

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

2.7x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

20.2 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 29645 in Gray Court town, SC, a household would need roughly $45,000 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 $1,052. That sits below the local median household income ($59,643), 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 11% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
79.5%+22% vs US avg
x
Vacancy Rate
11.2%+8% vs US avg
x
Broadband Access
85.6%-2% vs US avg
x
4+ Bedrooms
1.6%-89% vs US avg
x
Built Pre-1939
3.4%-74% vs US avg
x
Built Post-2014
2.5%-64% vs US avg
x
Rent Burden >30%
20.9%-58% vs US avg
x
Mortgage-Free
60.0%+57% vs US avg
x
$163,700
Home Value
$676
Rent
1990
Year Built
2011
Moved In

Residents have lived here since ~2011 on average

Housing Structure

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

  • 1-unit detached57.5%
  • 1-unit attached0.0%
  • 2-9 units1.4%
  • 10+ units0.0%
  • Mobile home & other41.2%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$163,700
Median rent$676
Owner-occupied79.5%
Vacant11.2%
Price-to-income2.7x
Est. income to buy$45,000