Mortgage Rates in Gantt, South Carolina — March 2026
Updated March 2026 | Based on Gantt market data and regional lending conditions
Gantt is a growing city in South Carolina with a population of 14,576. The current 30-year fixed mortgage rate in Gantt is 6.75%, which is 0.1% above the national average. With a median home price of $238,000 and a 20% down payment of $47,600, homebuyers can expect a monthly principal and interest payment of approximately $1,235.
Current Mortgage Rates in Gantt, SC
Below are the current average mortgage rates available in the Gantt 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 | 6.75% | 6.65% | +0.1% |
| 15-Year Fixed | 5.99% | 5.89% | +0.1% |
| 5/1 ARM | 6.25% | 6.15% | +0.1% |
| FHA | 6.5% | 6.25% | +0.25% |
| VA | 6.25% | 6.05% | +0.2% |
| Jumbo | 7% | 6.85% | +0.15% |
Gantt Housing Market Overview
The Gantt housing market offers relatively affordable housing compared to many major cities. The median household income in Gantt is $57,400, and the cost of living index is 90.3 (national average = 100). Based on the 28% affordability rule, you would need an income of approximately $58,029 to comfortably afford the median-priced home in Gantt, which exceeds the current median household income.
Monthly Payment Breakdown for Gantt
Based on the median home price of $238,000 with 20% down ($47,600), here is what you can expect to pay monthly in Gantt:
15-Year vs. 30-Year Mortgage in Gantt
Choosing a 15-year mortgage in Gantt at 5.99% instead of a 30-year at 6.75% would save you $155,520 in total interest over the life of the loan. However, your monthly payment would be $1,606 instead of $1,235 — an increase of $371 per month.
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Open Free CalculatorFrequently Asked Questions About Mortgages in Gantt
What are the current mortgage rates in Gantt, SC?
As of March 2026, the average 30-year fixed mortgage rate in Gantt, South Carolina is 6.75%, while the 15-year fixed rate is 5.99%. FHA loans average 6.5% and VA loans 6.25%. These rates are 0.1% above the national average of 6.65%.
How much is a monthly mortgage payment in Gantt?
Based on the median home price of $238,000 with 20% down, the estimated monthly mortgage payment in Gantt is $1,235 for principal and interest. Including property taxes of $119/month, the total monthly housing cost is approximately $1,354.
What income do I need to buy a home in Gantt?
Using the 28% rule, you would need an annual income of approximately $58,029 to afford the median-priced home in Gantt at $238,000. The median household income in Gantt is $57,400. This means most households would need to either earn above the median or consider homes below $238,000.
Is Gantt a good place to buy a home in 2026?
Gantt offers a below-average cost of living with a cost of living index of 90.3 (national average = 100). The property tax rate in South Carolina is 0.6%, which is below the national average. Gantt has a population of 14,576 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 Gantt, South Carolina area. Individual rates may vary by lender, credit score, loan amount, and other factors. Use our free calculator for a personalized estimate.