Mortgage Rates in Clemson, South Carolina — March 2026
Updated March 2026 | Based on Clemson market data and regional lending conditions
Clemson is a growing city in South Carolina with a population of 17,402. The current 30-year fixed mortgage rate in Clemson is 6.87%, which is 0.22% above the national average. With a median home price of $246,000 and a 20% down payment of $49,200, homebuyers can expect a monthly principal and interest payment of approximately $1,292.
Current Mortgage Rates in Clemson, SC
Below are the current average mortgage rates available in the Clemson 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 | 6.87% | 6.65% | +0.22% |
| 15-Year Fixed | 6.09% | 5.89% | +0.2% |
| 5/1 ARM | 6.32% | 6.15% | +0.17% |
| FHA | 6.56% | 6.25% | +0.31% |
| VA | 6.31% | 6.05% | +0.26% |
| Jumbo | 7.12% | 6.85% | +0.27% |
Clemson Housing Market Overview
The Clemson housing market offers relatively affordable housing compared to many major cities. The median household income in Clemson is $53,400, and the cost of living index is 87.8 (national average = 100). Based on the 28% affordability rule, you would need an income of approximately $60,557 to comfortably afford the median-priced home in Clemson, which exceeds the current median household income.
Monthly Payment Breakdown for Clemson
Based on the median home price of $246,000 with 20% down ($49,200), here is what you can expect to pay monthly in Clemson:
15-Year vs. 30-Year Mortgage in Clemson
Choosing a 15-year mortgage in Clemson at 6.09% instead of a 30-year at 6.87% would save you $164,520 in total interest over the life of the loan. However, your monthly payment would be $1,670 instead of $1,292 — an increase of $378 per month.
Calculate Your Clemson 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 Clemson
What are the current mortgage rates in Clemson, SC?
As of March 2026, the average 30-year fixed mortgage rate in Clemson, South Carolina is 6.87%, while the 15-year fixed rate is 6.09%. FHA loans average 6.56% and VA loans 6.31%. These rates are 0.22% above the national average of 6.65%.
How much is a monthly mortgage payment in Clemson?
Based on the median home price of $246,000 with 20% down, the estimated monthly mortgage payment in Clemson is $1,292 for principal and interest. Including property taxes of $121/month, the total monthly housing cost is approximately $1,413.
What income do I need to buy a home in Clemson?
Using the 28% rule, you would need an annual income of approximately $60,557 to afford the median-priced home in Clemson at $246,000. The median household income in Clemson is $53,400. This means most households would need to either earn above the median or consider homes below $246,000.
Is Clemson a good place to buy a home in 2026?
Clemson offers a below-average cost of living with a cost of living index of 87.8 (national average = 100). The property tax rate in South Carolina is 0.59%, which is below the national average. Clemson has a population of 17,402 and offers a very affordable lifestyle.
Mortgage Rates in Other South Carolina Cities
Related Tools & Guides
Last updated: March 2026. Rates are approximate averages based on regional lending data for the Clemson, South Carolina area. Individual rates may vary by lender, credit score, loan amount, and other factors. Use our free calculator for a personalized estimate.