Mortgage Rates in Bluffton, South Carolina — March 2026
Updated March 2026 | Based on Bluffton market data and regional lending conditions
Bluffton is a growing city in South Carolina with a population of 23,003. The current 30-year fixed mortgage rate in Bluffton is 6.8%, which is 0.15% above the national average. With a median home price of $225,000 and a 20% down payment of $45,000, homebuyers can expect a monthly principal and interest payment of approximately $1,173.
Current Mortgage Rates in Bluffton, SC
Below are the current average mortgage rates available in the Bluffton area as of March 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% | 6.65% | +0.15% |
| 15-Year Fixed | 6.03% | 5.89% | +0.14% |
| 5/1 ARM | 6.28% | 6.15% | +0.13% |
| FHA | 6.52% | 6.25% | +0.27% |
| VA | 6.27% | 6.05% | +0.22% |
| Jumbo | 7.05% | 6.85% | +0.2% |
Bluffton Housing Market Overview
The Bluffton housing market offers relatively affordable housing compared to many major cities. The median household income in Bluffton is $54,800, and the cost of living index is 91.2 (national average = 100). Based on the 28% affordability rule, you would need an income of approximately $54,857 to comfortably afford the median-priced home in Bluffton, which exceeds the current median household income.
Monthly Payment Breakdown for Bluffton
Based on the median home price of $225,000 with 20% down ($45,000), here is what you can expect to pay monthly in Bluffton:
15-Year vs. 30-Year Mortgage in Bluffton
Choosing a 15-year mortgage in Bluffton at 6.03% instead of a 30-year at 6.8% would save you $148,320 in total interest over the life of the loan. However, your monthly payment would be $1,522 instead of $1,173 — an increase of $349 per month.
Calculate Your Bluffton 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 Bluffton
What are the current mortgage rates in Bluffton, SC?
As of March 2026, the average 30-year fixed mortgage rate in Bluffton, South Carolina is 6.8%, while the 15-year fixed rate is 6.03%. FHA loans average 6.52% and VA loans 6.27%. These rates are 0.15% above the national average of 6.65%.
How much is a monthly mortgage payment in Bluffton?
Based on the median home price of $225,000 with 20% down, the estimated monthly mortgage payment in Bluffton is $1,173 for principal and interest. Including property taxes of $107/month, the total monthly housing cost is approximately $1,280.
What income do I need to buy a home in Bluffton?
Using the 28% rule, you would need an annual income of approximately $54,857 to afford the median-priced home in Bluffton at $225,000. The median household income in Bluffton is $54,800. This means most households would need to either earn above the median or consider homes below $225,000.
Is Bluffton a good place to buy a home in 2026?
Bluffton offers a below-average cost of living with a cost of living index of 91.2 (national average = 100). The property tax rate in South Carolina is 0.57%, which is below the national average. Bluffton has a population of 23,003 and offers a very affordable lifestyle.
Mortgage Rates in Other South Carolina Cities
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Last updated: March 2026. Rates are approximate averages based on regional lending data for the Bluffton, South Carolina area. Individual rates may vary by lender, credit score, loan amount, and other factors. Use our free calculator for a personalized estimate.