Real Estate Investing in Saint Stephen, South Carolina (29479)
Everything the listing leaves out — vacancy, rent trend, cap rate, landlord climate. All free.
Should you buy in 29479 (Saint Stephen, SC)? Our answer, based on the numbers below.
Proceed carefully. Weak appreciation or affordability makes this a harder case for most buyers.
A cash-flow market — rent-to-price math works from day one, though value growth is modest. Great for income-focused investors.
- High vacancy: 17.7% of homes vacant — above national norms.
- Elevated poverty: 26.5% poverty rate — can affect rent collection.
- Lower household income: $39,839 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 Saint Stephen, SC (29479)?
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Market Analysis: 29479 Saint Stephen
ZIP 29479 in Saint Stephen, SC carries a durable set of headwinds. Home values near $214K and rents of $1,170/mo sit inside a market where underwriting has to be tight.
Rent of $1,170/mo on a $214K basis reads well until vacancy, delinquency, and capex enter the model. The honest cap rate in 29479 sits below the stated 0.0% once reality is priced in.
Statewide comparisons place 29479 among SC's softer markets. That context does not make the ZIP uninvestable, but it does raise the bar for due diligence.
Employment concentration in 29479 leans toward sectors with higher volatility. The demographic consequence is income fluctuation that investors need to factor into their pro forma.
Distressed ZIPs reward experience. significant returns are possible in 29479, but they flow to investors who already understand how to operate in soft markets.
Here's what matters if you're considering buying a home in Saint Stephen:
Market Trends
Home Value History (with trend line)
📊 How Does 29479 Compare?
| Metric | 29479 | Saint Stephen | Charleston-North Charleston, SC | South Carolina |
|---|---|---|---|---|
| Home Value | $213,998 | $213,998 | N/A | $299,690 |
| 5-Year CAGR | 1.9% | 1.9% | N/A | 7.3% |
| Avg Rent | $1,170 | $1,170 | N/A | - |
| Cap Rate | 4.3% | 4.3% | - | - |
Similar ZIPs Within 25 Miles
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Landlord Ground Truth
Real numbers from people who own or manage rentals in ZIP 29479 (Saint Stephen, SC). Anonymous, moderated, never written by AI.
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📊 Market Snapshot
| Home Value | $213,998 |
| Monthly Rent | $1,170 |
| Price-to-Rent | 15.2:1 |
| 1% Rule | ✗ Fails |
💰 Return Metrics
| Gross Yield | 6.6% |
| Cap Rate | 4.3% |
| 5-Year IRR | 6.2% |
📈 Home Appreciation
| 1-Year | +7.2% ▲ |
| 3-Year CAGR | +1.9% ▲ |
| 5-Year CAGR | +1.9% ▲ |
| 10-Year CAGR | +5.5% ▲ |
🏠 Rent Trends
| 1-Year | N/A |
| 3-Year CAGR | N/A |
| 5-Year CAGR | N/A |
The current 30-yr mortgage rate (6.8%) exceeds the estimated cap rate (4.3%). 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.
Demographics in 29479
Population: 6,287
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 29479
Schools in This ZIP Code
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 type of investing works in Saint Stephen, SC?
A careful cash-flow rentals with hands-on management strategy Saint Stephen, SC best. The market produces measured results for that approach at the $214K price point.
Are landlord laws favorable in Saint Stephen, SC?
Saint Stephen, SC operates under SC law, which is landlord-friendly overall for landlords. Expect measured treatment in typical lease and eviction cases.
How do home values compare in Saint Stephen, SC?
In Saint Stephen, SC the median home value sits at $214K. Against the broader SC market, that reads as reasonable for most investors.
Can I live-in-and-rent in Saint Stephen, SC?
House hacking in Saint Stephen, SC is a challenging. With home values around $214K and rents at $1,170/mo, owner-occupants can offset a meaningful share of PITI.
How qualified is the tenant pool in Saint Stephen, SC?
Expect a solid tenant pool in Saint Stephen, SC. The rental market absorbs $1,170/mo rents without meaningful friction.
You know 29479 now. You don’t know where it ranks.
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How 29479 ranks in Charleston-North Charleston, SC
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