Real Estate Investing in Winnsboro, South Carolina (29180)

Everything the listing leaves out — vacancy, rent trend, cap rate, landlord climate. All free.

Fairfield County • Population: 11,862 • Data updated: September 2026

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Should you buy in 29180 (Winnsboro, SC)? Our answer, based on the numbers below.

🏠 For Homebuyers
CAUTION
Grade D (46/100)

Proceed carefully. Weak appreciation or affordability makes this a harder case for most buyers.

📈 For Investors
MIXED
3.0 / 5 (52/100)

A cash-flow market — rent-to-price math works from day one, though value growth is modest. Great for income-focused investors.

⚠️ Risks to Know
4 flags
  • High vacancy: 21.3% of homes vacant — above national norms.
  • Declining values: -0.1% 5-year CAGR — values have moved lower.
  • Elevated poverty: 22.3% poverty rate — can affect rent collection.
  • Lower household income: $36,654 median — tenant affordability is tighter.

• Modeled rent — no observed market rent for this ZIP; the figure is estimated from HUD fair-market rent.

What’s happening in Winnsboro, SC (29180)?

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3.0/ 5

Investability

Overall investment appeal

1.0/ 5

Appreciation

Long-term value growth

4.0/ 5

Cashflow ROI

Rental yield potential

Avg Home Value $162,189
Avg Monthly Rent $1,053
1% Rule ✗ Does Not Meet
Median Income $36,654
% Renters 29.8%

Market Analysis: 29180 Winnsboro

The 29180 ZIP in Winnsboro, SC is a local-operator market. Outside capital chasing a $162K entry has to pair deep knowledge with the discount.

The 29180 ZIP can work — but only with a tight operating hand. Remote landlords and passive investors tend to struggle here more than the underwriting suggests.

Within SC, ZIP 29180 trails on several market indicators that neighboring Fairfield County submarkets outperform. The gap is real and notable enough to shape underwriting.

The demographic picture in 29180 includes headwinds that any investor should price in. Income distribution skews lower than Winnsboro averages, and tenant stability requires active management.

The 29180 ZIP fits a narrow investor profile — hands-on, patient, and willing to accept that the cap rate on paper is not the cap rate in reality.

Explore the Data — Click a Tab Below
🏦 Current 30-yr Fixed Mortgage Rate: 6.76% as of Sep 10 Source: Freddie Mac PMMS

Here's what matters if you're considering buying a home in Winnsboro:

C Below Average
Buy Confidence Score: 56/100
Affordability
15/25
Appreciation
5/25
Stability
11/20
Timing
10/15
Rental backup
15/15
Affordability
Moderate
Homes cost 4.4× the median income
Value Trend
Rising (+11.0%)
How home values changed in the past year
Rental Backup
Strong
Could rent for $1,053/mo if you need to move
Market Conditions
COOL
More inventory, negotiating room for buyers
Bottom Line: This market may be challenging for buyers. Consider your timing and budget carefully.
❄️
COOL MARKET
Columbia, SC Metro Area
More inventory, negotiating room for buyers
59 days
Average time to sell
Average
11.6%
Listings with price cuts
Few Cuts
0.0%
Sale price vs asking
Below Ask
0.0%
Income needed for mortgage
Affordable
📅 Market conditions as of August 29, 2026 — updated weekly from Columbia, SC metro data
🏠

Property Strategy for 29180

Which property type performs best in this market?

Best for Cash Flow
2BR
6.9% cap rate
Best for Appreciation
4BR
+10.0% 5yr CAGR
Best Overall Value
2BR
$60,695/bedroom
📊 Compare All Property Types →
Type Median Value Est. Rent Cap Rate 5yr CAGR $/Bedroom
2BR $121,390 $1,170 6.9% +7.6% $60,695
3BR $195,108 $1,500 5.5% +8.5% $65,036
4BR $295,890 $1,800 4.4% +10.0% $73,973

Market Trends

Home Value History (with trend line)

$177K$164K$150K$137K$123K$110KJul 2006Jul 2016Jul 2026

📊 How Does 29180 Compare?

Metric 29180 Winnsboro Columbia, SC South Carolina
Home Value $162,189 $162,189 N/A $299,690
5-Year CAGR N/A N/A N/A 7.3%
Avg Rent $1,053 $1,053 N/A -
Cap Rate 5.1% 5.1% - -
💡 Why Invest in 29180? Click to expand

With a 3/5 investability rating, this ZIP shows solid fundamentals for buy-and-hold investors.

📊 See where this ZIP ranks in our Best-of lists →
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Landlord Ground Truth

Real numbers from people who own or manage rentals in ZIP 29180 (Winnsboro, SC). Anonymous, moderated, never written by AI.

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Investability
Good
Cap Rate
5.1%
Fair
5yr Growth
-0.1%
Declining

📉 Market Crash Risk Index

Based on Columbia, SC metro

2/10
Low Risk
Price YoY
0/3
N/A
Rent YoY
0/2
N/A
Below List
1/3
52%
Days Pending
1/2
59 days

View all metro crash risk rankings →

📊 Market Snapshot

Home Value $162,189
Monthly Rent $1,053
Price-to-Rent 12.8:1
1% Rule ✗ Fails

💰 Return Metrics

Gross Yield 7.8%
Cap Rate 5.1%
5-Year IRR 5.0%

📈 Home Appreciation

1-Year +11.0% ▲
3-Year CAGR +1.0% ▲
5-Year CAGR -0.1% ▼
10-Year CAGR +3.2% ▲

🏠 Rent Trends

1-Year N/A
3-Year CAGR N/A
5-Year CAGR N/A
Negative Leverage — IRR / Tax Play Cap Rate: 5.1%  |  30yr Rate: 6.8%
Leverage reduces cash returns at current rates.

The current 30-yr mortgage rate (6.8%) exceeds the estimated cap rate (5.1%). Financing reduces your cash-on-cash return below the cap rate. Markets like this may still make sense as IRR plays — factoring in appreciation, depreciation, and a future refinance when rates drop.

Run an IRR Analysis →

⚠️ Risk Signals

Composite view of factors that can impact a ZIP's stability and your downside risk.

Vacancy
21.3%
Elevated risk
Landlord Climate
5.0/5
Friendly
Value Trend (5yr)
-0.1%
Flat
Eviction process: Fast Rent control: Favorable

Demographics in 29180

Population: 11,862

💰 Median Household Income
$36,654
This area
$36,654
State
$58,636
USA
$74,580
🏠 Renter Occupied
29.8%
This area
29.8%
State
26.9%
USA
34.0%
💼 Unemployment Rate
4.4%
This area
4.4%
State
-1.4%
USA
3.7%
🎓 College Educated
14.2%
This area
14.2%
State
14.2%
USA
33.7%
👤 Median Age
44.3 years
This area
44.3 years
State
22.7 years
USA
38.9 years
🏚️ Vacancy Rate
21.3%
This area
21.3%
State
17.5%
USA
10.5%
👥 Population by Ethnicity
Black/African American 56.0%
White 38.5%
Other/Mixed 5.0%
Asian 0.6%
Hispanic/Latino 0.4%
👶 Under 18
21.9%
This area
21.9%
USA
22.0%
👴 65 and Over
18.9%
This area
18.9%
USA
17.3%
📊 Poverty Rate
22.3%
This area
22.3%
USA
11.5%

Crime & Safety

🚧

Crime & Safety Data Coming Soon

We're integrating comprehensive crime statistics including violent crime rates, property crime, and safety scores to help you make informed investment decisions.

Expected: Q1 2025

🎓 Schools in 29180

A+ Avg School Grade
7 Schools
11.5:1 Avg Class Size
$23,032 Avg Per Pupil

Schools in This ZIP Code

A+ Excellent

Fairfield Central High

📚 09 – 12 High School
👥
629 Students
👨‍🏫
11.2:1 Class Size
💰
$23,713 Per Student
A+ Excellent

Fairfield Elementary

📚 Pre-K – 06 School
👥
450 Students
👨‍🏫
11.3:1 Class Size
💰
$23,713 Per Student
A+ Excellent

Fairfield Middle

📚 07 – 08 Middle
👥
350 Students
👨‍🏫
10.0:1 Class Size
💰
$23,713 Per Student
A+ Excellent

Fairfield Magnet for Math and Science

📚 Pre-K – 06 School
👥
205 Students
👨‍🏫
10.3:1 Class Size
💰
$23,713 Per Student
A+ Excellent

Kelly Miller Elementary

📚 Pre-K – 06 School
👥
201 Students
👨‍🏫
12.6:1 Class Size
💰
$23,713 Per Student
A Very Good

Midlands STEM Institute

📚 Pre-K – 12 K-12 Charter
👥
247 Students
👨‍🏫
13.9:1 Class Size
💰
$18,946 Per Student
B Good

Fairfield Career and Technology Center

📚 09 – 12 High School Limited Data
💰
$23,713 Per Student
About Repit School Scores

Traditional school ratings rely heavily on standardized test scores, which often reflect family income more than school quality. Repit takes a different approach.

We evaluate schools based on factors that research shows actually impact educational outcomes:

  • Class Size — Smaller classes mean more individual attention
  • School Funding — Resources available for programs, staff, and facilities
  • Community Factors — Neighborhood characteristics that influence student success
  • School Environment — Size, type, and structure

Scores are updated annually using federal education data.

Frequently Asked Questions

What are vacancy rates like in Winnsboro, SC?

Vacancy in Winnsboro, SC is elevated, which keeps landlord downtime on reasonable timelines. Most properties lease within the standard window at $1,053/mo.

Are tenants stable in Winnsboro, SC?

Working renters make up the core of the Winnsboro, SC tenant base. The pool is reasonable for investors targeting long-term holds.

How much do tenants pay in Winnsboro, SC?

Rent in Winnsboro, SC is around $1,053/mo. The resulting rent-to-value relationship with $162K pricing is reasonable for most investor models.

How should investors approach Winnsboro, SC?

In Winnsboro, SC the significant play is typically careful cash-flow rentals with hands-on management. The combination of $162K prices and $1,053/mo rents suits that approach.

Is Winnsboro in SC worth investing in?

Our data puts Winnsboro, SC at 3.0/5 for investability. Home prices of $162K and rents around $1,053/mo create a solid backdrop for investor activity.

You know 29180 now. You don’t know where it ranks.

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How 29180 ranks in Columbia, SC

Every ZIP in this metro, ranked. Free.

Cash Flow → Appreciation → Affordable →
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