Mortgage Rates in Batesburg-Leesville, South Carolina — April 2026
Updated April 2026 | Based on Batesburg-Leesville market data and regional lending conditions
Batesburg-Leesville is a smaller South Carolina community of 5,362 where the housing market reflects local economic conditions. The current 30-year fixed rate here is 6.8% (0.71% above the national average). The median home price of $233,000 translates to roughly $1,320/month with 20% down — requiring an income of about $56,571, which exceeds the local median of $53,200.
Whether you call it a 30-year mortgage, 30-year home loan, 30-year house loan, or 30-year mortgage loan, the underlying product is the same: a fixed-rate amortizing loan paid over 360 months. In Batesburg-Leesville, SC, the current 30-year rate is 6.8%. Shorter terms (15-year fixed at 6.03% or 20-year fixed, typically priced between the 15- and 30-year) reduce total interest paid but increase monthly payments — see our 15-year vs 30-year comparison for the math. Government-backed options include FHA loans (6.53%) and VA loans (6.28%), often available at lower rates with reduced down payment requirements.
Current Mortgage Rates in Batesburg-Leesville, SC
Below are the current average mortgage rates available in the Batesburg-Leesville area as of April 2026. Rates vary by lender, credit score, and loan-to-value ratio. Use our free calculator above to see your personalized estimate.
| Loan Type | Rate | National Avg | Difference |
|---|---|---|---|
| 30-Year Fixed | 6.8% | 6.09% | +0.71% |
| 15-Year Fixed | 6.03% | 5.58% | +0.45% |
| 5/1 ARM | 6.28% | 5.95% | +0.33% |
| FHA | 6.53% | 5.85% | +0.68% |
| VA | 6.28% | 5.65% | +0.63% |
| Jumbo | 7.05% | 6.25% | +0.8% |
Batesburg-Leesville Housing Market Overview
At $233,000, Batesburg-Leesville offers more affordable housing than most U.S. metros. The local cost of living index is 83.1 (100 = national average), and the median household income of $53,200 still requires careful budgeting at current rate levels.
Monthly Payment Breakdown for Batesburg-Leesville
Based on the median home price of $233,000 with 20% down ($46,600), here is what you can expect to pay monthly in Batesburg-Leesville:
15-Year vs. 30-Year Mortgage in Batesburg-Leesville
Choosing a 15-year mortgage in Batesburg-Leesville at 6.03% instead of a 30-year at 6.8% would save you $153,720 in total interest over the life of the loan. However, your monthly payment would be $1,576 instead of $1,215 — an increase of $361 per month.
Calculate Your Batesburg-Leesville Mortgage Payment
Use our free calculator to get a personalized estimate based on your loan amount, interest rate, and term.
Open Free CalculatorFrequently Asked Questions About Mortgages in Batesburg-Leesville
What are the current mortgage rates in Batesburg-Leesville, SC?
As of April 2026, the average 30-year fixed mortgage rate in Batesburg-Leesville, South Carolina is 6.8%, while the 15-year fixed rate is 6.03%. FHA loans average 6.53% and VA loans 6.28%. These rates are 0.71% above the national average of 6.09%.
How much is a monthly mortgage payment in Batesburg-Leesville?
Based on the median home price of $233,000 with 20% down, the estimated monthly mortgage payment in Batesburg-Leesville is $1,215 for principal and interest. Including property taxes of $105/month, the total monthly housing cost is approximately $1,320.
What income do I need to buy a home in Batesburg-Leesville?
Using the 28% rule, you would need an annual income of approximately $56,571 to afford the median-priced home in Batesburg-Leesville at $233,000. The median household income in Batesburg-Leesville is $53,200. This means most households would need to either earn above the median or consider homes below $233,000.
Is Batesburg-Leesville a good place to buy a home in 2026?
Batesburg-Leesville offers a below-average cost of living with a cost of living index of 83.1 (national average = 100). The property tax rate in South Carolina is 0.54%, which is below the national average. Batesburg-Leesville has a population of 5,362 and offers a very affordable lifestyle.
Mortgage Rates in Other South Carolina Cities
Related Tools & Guides
📊 Sources & Methodology
- 30-yr/15-yr fixed rates: Freddie Mac Primary Mortgage Market Survey (PMMS), weekly national average adjusted for South Carolina regional spread.
- Median home price: $233,000 sourced from Redfin / Zillow real estate listings (2026 data).
- Property tax rate: 0.54% effective rate per Tax Foundation 2026 state property tax data.
- Median household income: $53,200 per US Census Bureau ACS 5-year estimate.
- Calculations: standard amortization formula M = P[r(1+r)^n] / [(1+r)^n − 1], with r = monthly rate, n = 360 months, P = loan amount (80% of home price).
Last updated: April 2026. Rates are approximate averages based on regional lending data for the Batesburg-Leesville, South Carolina area. Individual rates may vary by lender, credit score, loan amount, and other factors. Use our free calculator for a personalized estimate.