Mortgage Rates in Darlington, South Carolina — March 2026
Updated March 2026 | Based on Darlington market data and regional lending conditions
Darlington is a growing city in South Carolina with a population of 6,289. The current 30-year fixed mortgage rate in Darlington is 6.77%, which is 0.12% above the national average. With a median home price of $233,000 and a 20% down payment of $46,600, homebuyers can expect a monthly principal and interest payment of approximately $1,211.
Current Mortgage Rates in Darlington, SC
Below are the current average mortgage rates available in the Darlington 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 | 6.77% | 6.65% | +0.12% |
| 15-Year Fixed | 6% | 5.89% | +0.11% |
| 5/1 ARM | 6.26% | 6.15% | +0.11% |
| FHA | 6.51% | 6.25% | +0.26% |
| VA | 6.26% | 6.05% | +0.21% |
| Jumbo | 7.02% | 6.85% | +0.17% |
Darlington Housing Market Overview
The Darlington housing market offers relatively affordable housing compared to many major cities. The median household income in Darlington is $55,700, and the cost of living index is 84.4 (national average = 100). Based on the 28% affordability rule, you would need an income of approximately $56,657 to comfortably afford the median-priced home in Darlington, which exceeds the current median household income.
Monthly Payment Breakdown for Darlington
Based on the median home price of $233,000 with 20% down ($46,600), here is what you can expect to pay monthly in Darlington:
15-Year vs. 30-Year Mortgage in Darlington
Choosing a 15-year mortgage in Darlington at 6% instead of a 30-year at 6.77% would save you $152,820 in total interest over the life of the loan. However, your monthly payment would be $1,573 instead of $1,211 — an increase of $362 per month.
Calculate Your Darlington 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 Darlington
What are the current mortgage rates in Darlington, SC?
As of March 2026, the average 30-year fixed mortgage rate in Darlington, South Carolina is 6.77%, while the 15-year fixed rate is 6%. FHA loans average 6.51% and VA loans 6.26%. These rates are 0.12% above the national average of 6.65%.
How much is a monthly mortgage payment in Darlington?
Based on the median home price of $233,000 with 20% down, the estimated monthly mortgage payment in Darlington is $1,211 for principal and interest. Including property taxes of $111/month, the total monthly housing cost is approximately $1,322.
What income do I need to buy a home in Darlington?
Using the 28% rule, you would need an annual income of approximately $56,657 to afford the median-priced home in Darlington at $233,000. The median household income in Darlington is $55,700. This means most households would need to either earn above the median or consider homes below $233,000.
Is Darlington a good place to buy a home in 2026?
Darlington offers a below-average cost of living with a cost of living index of 84.4 (national average = 100). The property tax rate in South Carolina is 0.57%, which is below the national average. Darlington has a population of 6,289 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 Darlington, South Carolina area. Individual rates may vary by lender, credit score, loan amount, and other factors. Use our free calculator for a personalized estimate.