Elgin, SC · standard
ZIP Code 29045
Kershaw County, South Carolina - Census ACS demographics, housing tenure, and business patterns, benchmarked against every US ZIP.
- 21,871
- 121/sq mi High-density area
- $87,366
- Median income Above-median income area
- $266,400
- Median home value Near-median home value
- 33.2%
- Bachelor's or higher Above-average bachelor's attainment
National ZIP placement
Elgin pairs an above-median household income with above-median home values, in a rural, homeowner-dominated area.
- Top 29%
- household income, US ZIPs
- Top 39%
- home value, US ZIPs
- 121
- people per sq mi
- 85%
- owner-occupied homes
Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 29045 against every reporting US ZIP.
FHFA HPI release change
What changed in the latest House Price Index year
- FHFA House Price Index values in ZIP 29045 (Elgin, SC) rose +14.8% from 2023 to 2024. The all-transactions index moved from 186.9 in 2023 to 214.5 in 2024 (2000 = 100).
ZIP code 29045 is a densely settled ZIP (a standard USPS delivery area) in Elgin, Kershaw County, South Carolina, with 21,871 residents across 181.4 square miles, a density of 121 people per square mile, in the New York time zone.
ZIP 29045 lands in the middle-income range, with a median household income of $87,366 (37% above the average South Carolina ZIP), while per-capita income is $41,771. The poverty rate is 11.1%, with unemployment at 5.7%; those measures add context to the income figure. Housing is both higher-cost and owner-heavy: median home value is $266,400 (18% above the average South Carolina ZIP), while 85.2% of occupied homes are owner-occupied and median rent is $1,321.
A solid share of residents have a four-year degree: 33.2% of adults hold a bachelor's degree or higher, the median age is 37.7, and the average commute is 29 minutes. The page also surfaces 5 ZIP codes within roughly 10 miles and 6 more in Kershaw County, so 29045 can be compared with both its immediate and county-level context.
Every figure on this page is sourced from the U.S. Census Bureau American Community Survey 5-Year Estimates (including median rent) and the FHFA House Price Index, no estimates, no proprietary scoring. Verify with Census →
Top industries in ZIP 29045
Top 5 sectors by establishment count in Elgin, SC
Which industries have the most business establishments in ZIP 29045.
- Construction
Construction
71 establishments
- Retail trade
Retail trade
44 establishments
- Professional, scientific, and technical services
Professional, scientific, and technical services
36 establishments
- Health care and social assistance
Health care and social assistance
33 establishments
- Accommodation and food services
Accommodation and food services
32 establishments
What this shows Establishment counts come from the Census ZIP Code Business Patterns program, which counts physical business locations rather than employees or revenue.
Source: U.S. Census Bureau, American Community Survey 5-Year Estimates + ZIP Code Business Patterns + FHFA HPI ACS demographics and median rent, ZBP business establishments, FHFA HPI for ZIP 29045, Elgin, SC · 2023 Census ACS 5-Year Estimates use a rolling 60-month sample for stable small-geography estimates; ZBP updated annually; FHFA HPI updated quarterly/annually.
Quick Facts
21,871
Population
181.4
Area (sq mi)
121
People / sq mi
New York
Time Zone
standard
ZIP Type
Who lives in ZIP 29045?
37.7
Median Age
49.7%
Male
50.3%
Female
6.0%
Foreign-Born
Hispanic or Latino is an ethnicity category from the Census Bureau and may overlap with other categories above.
Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)
How much do residents earn?
$87,366
Median Household Income
+37% vs state ZIP avg
$41,771
Per Capita Income
11.1%
Poverty Rate
5.7%
Unemployment Rate
28.6 min
Mean Commute Time
How ZIP 29045 ranks among South Carolina ZIPs
Elgin, SC household income vs. every South Carolina ZIP code
Median household income among 384 reporting South Carolina ZIPs (this ZIP's population is too small for a reliable national-corpus placement)
$87,366 Top 12% higher than 88% of 384 South Carolina ZIPs
Each bar is a $20K-wide band; taller bars hold more South Carolina ZIPs. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.
Source U.S. Census Bureau, ACS 5-Year Estimates · 2019–2023
Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)
What is the education profile here?
Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)
What does housing look like?
Housing stock: occupied vs vacant
12,312housing units
12,312
Total Housing Units
11,680
Occupied Units
632
Vacant Units
2.68
Avg Household Size
Occupancy Type
$266,400
Median Home Value
+18% vs state ZIP avg
$1,321
Median Rent
2005
Median Year Built
Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)
How have home values changed over time?
FHFA House Price Index, annual appreciation data based on repeat sales and appraisals
+14.8%
YoY Change (2024)
214
HPI Index (2000 = 100)
+114%
Total Change Since 2000
Home values in ZIP 29045 have increased 14.8% over the past year (2024). Since 2000, this ZIP has seen +114% cumulative appreciation.
| Year | Annual Change | HPI Index |
|---|---|---|
| 2020 | -0.2% | 141 |
| 2021 | +11.8% | 157 |
| 2022 | +16.9% | 184 |
| 2023 | +1.7% | 187 |
| 2024 | +14.8% | 214 |
Source: Federal Housing Finance Agency (FHFA) House Price Index, All-Transactions, Five-Digit ZIP Codes (Developmental Index). Index base = 100 in year 2000. Data through 2024. ZIP codes with few transactions may show missing values.
What businesses operate in this ZIP?
Census Bureau data shows 366 business establishments in ZIP 29045, employing approximately 3,269 people with a combined annual payroll of $147,771,000.
366
Businesses
3,269
Employees
$147.8M
Annual Payroll
16
Industry Sectors
| Industry | Establishments | % of Total |
|---|---|---|
| Construction | 71 | 19.4% |
| Retail trade | 44 | 12.0% |
| Professional, scientific, and technical services | 36 | 9.8% |
| Health care and social assistance | 33 | 9.0% |
| Accommodation and food services | 32 | 8.7% |
| Other services (except public administration) | 29 | 7.9% |
| Administrative and support and waste management and remediation services | 27 | 7.4% |
| Real estate and rental and leasing | 25 | 6.8% |
| Finance and insurance | 17 | 4.6% |
| Transportation and warehousing | 14 | 3.8% |
| Manufacturing | 8 | 2.2% |
| Wholesale trade | 7 | 1.9% |
| Information | 6 | 1.6% |
| Educational services | 5 | 1.4% |
| Arts, entertainment, and recreation | 5 | 1.4% |
| Industries not classified | 3 | 0.8% |
Source: U.S. Census Bureau, ZIP Code Business Patterns (ZBP), 2023. Employment figures may include noise for disclosure avoidance.
Nearby ZIP Codes
Want a side-by-side? Compare 29045 vs 29078 →
ZIP 29045 vs its nearest neighbors, by population
Resident population of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 29223
Columbia (29223)
50,141 residents
- 29229
Columbia (29229)
44,229 residents
- 29045
Elgin (29045)
21,871 residents
- 29078 15,293
Lugoff (29078)
15,293 residents
- 29207 11,592
Columbia (29207)
11,592 residents
- 29130 6,655
Ridgeway (29130)
6,655 residents
What this shows Among its immediate neighbors, ZIP 29045 ranks #3 by population - useful context the national average alone can't give.
ZIP 29045 vs its nearest neighbors, by median income
Median household income of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 29045
Elgin (29045)
$87,366 median income
- 29229
Columbia (29229)
$74,043 median income
- 29078
Lugoff (29078)
$67,727 median income
- 29130
Ridgeway (29130)
$63,963 median income
- 29223
Columbia (29223)
$62,408 median income
What this shows By household income, ZIP 29045 ranks the highest of 5 neighboring ZIPs, local affluence varies block to block, not just metro to metro.
Nationwide ZIPs with similar ACS profiles
Two Census-derived peer sets for ZIP 29045, both outside SC so the neighborhoods are not geographic containment (Nearby and same-county blocks stay local).
Similar population
Nearest cross-state ZIPs by resident population (21,871 here; floor ≥1,000).
Similar median household income
Nearest cross-state ZIPs by ACS median household income.
More ZIP Codes in Kershaw County
Related Areas
Frequently Asked Questions
What county is ZIP code 29045 in?
ZIP code 29045 (Elgin) is located in Kershaw County, South Carolina. Kershaw County contains multiple ZIP codes, see the full list at /counties/kershaw-sc.
What is the population of ZIP code 29045?
ZIP code 29045 in Elgin, SC has a population of 21,871 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 29045?
The median household income in ZIP 29045 is $87,366, which is 15% above the national average of $76,288.
What is the average home value in ZIP 29045?
The median home value in ZIP 29045 is $266,400, which is 4% below the national average of $278,155.
What is the demographic makeup of ZIP 29045?
The largest racial group in ZIP 29045 is White at 53.8%. Hispanic or Latino residents make up 7.6% of the population.
How many businesses are in ZIP code 29045?
ZIP code 29045 has 366 business establishments employing approximately 3,269 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 29045?
The top industries by establishment count in ZIP 29045 are: Construction (71), Retail trade (44), Professional, scientific, and technical services (36). There are 16 industry sectors represented in total.
How have home values changed in ZIP code 29045?
According to the FHFA House Price Index, home values in ZIP 29045 increased by 14.8% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 114%. This is a developmental index based on repeat sales and appraisal data from Fannie Mae and Freddie Mac.
What is the education level in ZIP code 29045?
In ZIP code 29045, 61.7% of residents aged 25+ have a high school diploma or higher, and 33.2% hold a bachelor's degree or higher. These figures come from the Census Bureau ACS 5-Year Estimates (2023).
What is the average commute time in ZIP 29045?
The mean commute time for workers in ZIP code 29045 is 28.6 minutes according to Census ACS data. The national average is roughly 26 minutes, so commuters here spend more time traveling to work than typical.
What percentage of residents own vs. rent in ZIP 29045?
In ZIP code 29045, approximately 85.2% of occupied housing units are owner-occupied and 14.8% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 29045?
The poverty rate in ZIP code 29045 is 11.1% according to Census Bureau ACS 2023 estimates. This measures the percentage of the population living below the federal poverty threshold.
Related
Take this with you
What to do with ZIP 29045's numbers, next.
- See how ZIP 29045 compares to a neighboring ZIP code on the same Census fields Compare this ZIP
- Check where Elgin, SC ranks among every U.S. ZIP code on income, education, or homeownership View national rankings
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ZIP Code Tabulation Areas (ZCTAs) are Census Bureau approximations of USPS ZIP codes; figures describe the ZCTA area, not any single address within it.