ZIP Code Market Report · Updated May 2026
Is 29201 a Buyer's
or Seller's Market?
📍 Columbia, South Carolina · SC
63
🔵 COOLING
Buyer has leverage
34 days avg on market · Tax rate: 0.52%/yr
Mortgage Breakdown — 29201
Median Price$260,000
20% Down$52,000
Loan Amount$208,000
Rate (~6.7%)$1,342/mo P&I
Property Tax$112/mo
Total PITI$1,562/mo
Income Needed$52,066/yr
Educational purposes only. Market data is estimated. Not financial advice. Always verify with a licensed professional.
The other half of the answer
Prices tell you what a house costs here. They do not tell you whether a lender will approve the loan — and that varies more than almost anyone realises.
20.7%
of FHA applications denied in Columbia, SC, 2025 · national 22.1%
VANDERBILT MORTGAGE AND FINANCE, INC
1.9% GUILD MORTGAGE COMPANY
9.5% FREEDOM MORTGAGE CORPORATION
16.0% United Wholesale Mortgage
25.2% A 25.1-point spread between the busiest FHA lenders in this metro.
Loans under $150K denied at 40.6% versus 18.2% above $250K.
CFPB HMDA 2025, computed by FinanceRateCalc. Covers the highest-volume lenders published for this market, not all lenders. Rates reflect applicant mix as well as lender practice — historical observations, not predictions. CC BY 4.0, not independently reproduced.
The Denial Dispatch
One finding a week from the federal mortgage record.
One chart, three paragraphs, every Saturday. Measured, not assumed.
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