Mortgage Rates in Hartsville, South Carolina — March 2026
Updated March 2026 | Based on Hartsville market data and regional lending conditions
Hartsville is a growing city in South Carolina with a population of 7,606. The current 30-year fixed mortgage rate in Hartsville is 6.6%, which is 0.05% below the national average. With a median home price of $223,000 and a 20% down payment of $44,600, homebuyers can expect a monthly principal and interest payment of approximately $1,139.
Current Mortgage Rates in Hartsville, SC
Below are the current average mortgage rates available in the Hartsville 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 | 6.6% | 6.65% | -0.05% |
| 15-Year Fixed | 5.87% | 5.89% | -0.02% |
| 5/1 ARM | 6.16% | 6.15% | +0.01% |
| FHA | 6.43% | 6.25% | +0.18% |
| VA | 6.18% | 6.05% | +0.13% |
| Jumbo | 6.85% | 6.85% | 0% |
Hartsville Housing Market Overview
The Hartsville housing market offers relatively affordable housing compared to many major cities. The median household income in Hartsville is $55,400, and the cost of living index is 93 (national average = 100). Based on the 28% affordability rule, the median income in Hartsville is sufficient to afford the median-priced home.
Monthly Payment Breakdown for Hartsville
Based on the median home price of $223,000 with 20% down ($44,600), here is what you can expect to pay monthly in Hartsville:
15-Year vs. 30-Year Mortgage in Hartsville
Choosing a 15-year mortgage in Hartsville at 5.87% instead of a 30-year at 6.6% would save you $141,300 in total interest over the life of the loan. However, your monthly payment would be $1,493 instead of $1,139 — an increase of $354 per month.
Calculate Your Hartsville 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 Hartsville
What are the current mortgage rates in Hartsville, SC?
As of March 2026, the average 30-year fixed mortgage rate in Hartsville, South Carolina is 6.6%, while the 15-year fixed rate is 5.87%. FHA loans average 6.43% and VA loans 6.18%. These rates are 0.05% below the national average of 6.65%.
How much is a monthly mortgage payment in Hartsville?
Based on the median home price of $223,000 with 20% down, the estimated monthly mortgage payment in Hartsville is $1,139 for principal and interest. Including property taxes of $110/month, the total monthly housing cost is approximately $1,249.
What income do I need to buy a home in Hartsville?
Using the 28% rule, you would need an annual income of approximately $53,529 to afford the median-priced home in Hartsville at $223,000. The median household income in Hartsville is $55,400. The median income is currently sufficient to meet this threshold.
Is Hartsville a good place to buy a home in 2026?
Hartsville offers a below-average cost of living with a cost of living index of 93 (national average = 100). The property tax rate in South Carolina is 0.59%, which is below the national average. Hartsville has a population of 7,606 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 Hartsville, South Carolina area. Individual rates may vary by lender, credit score, loan amount, and other factors. Use our free calculator for a personalized estimate.