Mortgage Rates in Easley, South Carolina — March 2026
Updated March 2026 | Based on Easley market data and regional lending conditions
Easley is a growing city in South Carolina with a population of 22,042. The current 30-year fixed mortgage rate in Easley is 6.74%, which is 0.09% above the national average. With a median home price of $215,000 and a 20% down payment of $43,000, homebuyers can expect a monthly principal and interest payment of approximately $1,114.
Current Mortgage Rates in Easley, SC
Below are the current average mortgage rates available in the Easley 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 | 6.74% | 6.65% | +0.09% |
| 15-Year Fixed | 5.98% | 5.89% | +0.09% |
| 5/1 ARM | 6.25% | 6.15% | +0.1% |
| FHA | 6.5% | 6.25% | +0.25% |
| VA | 6.25% | 6.05% | +0.2% |
| Jumbo | 6.99% | 6.85% | +0.14% |
Easley Housing Market Overview
The Easley housing market offers relatively affordable housing compared to many major cities. The median household income in Easley is $46,800, and the cost of living index is 87.6 (national average = 100). Based on the 28% affordability rule, you would need an income of approximately $52,286 to comfortably afford the median-priced home in Easley, which exceeds the current median household income.
Monthly Payment Breakdown for Easley
Based on the median home price of $215,000 with 20% down ($43,000), here is what you can expect to pay monthly in Easley:
15-Year vs. 30-Year Mortgage in Easley
Choosing a 15-year mortgage in Easley at 5.98% instead of a 30-year at 6.74% would save you $140,040 in total interest over the life of the loan. However, your monthly payment would be $1,450 instead of $1,114 — an increase of $336 per month.
Calculate Your Easley Mortgage Payment
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Open Free CalculatorFrequently Asked Questions About Mortgages in Easley
What are the current mortgage rates in Easley, SC?
As of March 2026, the average 30-year fixed mortgage rate in Easley, South Carolina is 6.74%, while the 15-year fixed rate is 5.98%. FHA loans average 6.5% and VA loans 6.25%. These rates are 0.09% above the national average of 6.65%.
How much is a monthly mortgage payment in Easley?
Based on the median home price of $215,000 with 20% down, the estimated monthly mortgage payment in Easley is $1,114 for principal and interest. Including property taxes of $106/month, the total monthly housing cost is approximately $1,220.
What income do I need to buy a home in Easley?
Using the 28% rule, you would need an annual income of approximately $52,286 to afford the median-priced home in Easley at $215,000. The median household income in Easley is $46,800. This means most households would need to either earn above the median or consider homes below $215,000.
Is Easley a good place to buy a home in 2026?
Easley offers a below-average cost of living with a cost of living index of 87.6 (national average = 100). The property tax rate in South Carolina is 0.59%, which is below the national average. Easley has a population of 22,042 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 Easley, South Carolina area. Individual rates may vary by lender, credit score, loan amount, and other factors. Use our free calculator for a personalized estimate.