Oconee County, SC Average Home Price (2026)
The average home price in Oconee County, South Carolina is about $294,500 (the 2026 median across 10 ZIP codes, at ~$250/sq ft) — 25% more expensive than the South Carolina median and 2% more expensive than the typical U.S. home.
How Oconee County compares
Oconee County is about average for housing nationally: its typical home costs $294,500 against $236,000 for South Carolina and $289,000 for the U.S. Within the county, ZIP-level values run from about $221,000 to $562,000.
| Area | Typical value | $ / sq ft |
|---|---|---|
| Oconee County | $294,500 | $250 |
| South Carolina | $236,000 | $177 |
| United States | $289,000 | $193 |
Oconee County home prices by ZIP code
The 10 most valuable ZIP codes in Oconee County (of 10 with data):
| ZIP code | Typical value | $ / sq ft | vs county |
|---|---|---|---|
| 29676 Salem | $562,000 | $279 | +91% |
| 29672 Seneca | $561,000 | $253 | +90% |
| 29696 West Union | $342,000 | $270 | +16% |
| 29643 Fair Play | $335,000 | $287 | +14% |
| 29686 Tamassee | $331,000 | $247 | +12% |
| 29658 Longcreek | $258,000 | $136 | -12% |
| 29664 Mountain Rest | $257,000 | $364 | -13% |
| 29678 Seneca | $253,000 | $178 | -14% |
| 29691 Walhalla | $228,000 | $183 | -23% |
| 29693 Westminster | $221,000 | $209 | -25% |
Home value appreciation in Oconee County
Home prices in Oconee County have risen about 121% over the last 10 years (≈8.2% a year) and +120.7% over 20 years, according to the FHFA house price index through 2025. The most recent year came in at +6.5% — still rising. A home worth $294,500 today was worth roughly $133,560 ten years ago.
See where that trend takes a specific home with the home appreciation calculator — statewide, South Carolina is +104.3% over the same 10 years. Past appreciation is a track record, not a forecast; local prices can fall.
Calculators for Oconee County
Run the numbers for Oconee County with the local rates already filled in — change any input to test your own situation.
Salary needed to buy a home in Oconee County
To buy the typical $294,500 home in Oconee County with 20% down, you need a household income of roughly $80,000 a year (about $1,870 a month for the mortgage, taxes, and insurance). With 10% down the bar rises to about $95,000, because the loan is bigger and mortgage insurance kicks in.
| Down payment | Cash down | Monthly payment | Income needed |
|---|---|---|---|
| 5% (+PMI) | $14,700 | $2,320/mo | $100,000/yr |
| 10% (+PMI) | $29,500 | $2,220/mo | $95,000/yr |
| 20% | $58,900 | $1,870/mo | $80,000/yr |
Assumes a 30-year fixed mortgage at 6.5%, property tax at 1.1% and insurance at 0.45% of value per year, PMI of 0.75% on loans with less than 20% down, and the standard 28% housing-to-income rule. Your rate, taxes, and HOA will move these — run your own numbers in the mortgage calculator.
What your budget buys in Oconee County
At about $250 per square foot, here is roughly how much home different budgets get you in Oconee County:
| Budget | Approx. size | What that looks like locally |
|---|---|---|
| $150k | 600 sq ft | below the local median — condos, smaller or older homes |
| $200k | 800 sq ft | below the local median — condos, smaller or older homes |
| $250k | 1000 sq ft | around the typical home here |
| $300k | 1200 sq ft | around the typical home here |
| $400k | 1600 sq ft | above the median — larger homes or the pricier ZIPs |
Wondering where that budget goes further? The relocation calculator ranks hundreds of U.S. cities by what the same money buys — it opens filtered to South Carolina.
Estimate a specific home in Oconee County
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Oconee County home prices: frequently asked
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Browse all South Carolina cities and counties, or look up price per square foot by ZIP code nationwide.
Directional estimates from public market data (Realtor.com & Zillow research; FHFA house price index; Census ZIP-to-county relationships), not appraisals.