Mortgage Rates in South Carolina — April 2026
Compare current mortgage rates across 82 cities in South Carolina. The average 30-year fixed rate is 6.74%, which is 0.65% above the national average of 6.09%.
South Carolina Housing Highlights
All 82 Cities in South Carolina
| City | 30-Yr Rate | Home Price | Monthly P&I | Population |
|---|---|---|---|---|
| Charleston | 6.71% | $445,000 | $2,300 | 150,277 |
| Columbia | 6.71% | $215,000 | $1,111 | 136,632 |
| North Charleston | 6.71% | $275,000 | $1,421 | 115,382 |
| Mount Pleasant | 6.71% | $565,000 | $2,920 | 96,346 |
| Rock Hill | 6.71% | $255,000 | $1,318 | 74,372 |
| Greenville | 6.71% | $285,000 | $1,473 | 72,095 |
| Summerville | 6.71% | $315,000 | $1,628 | 53,643 |
| Goose Creek | 6.71% | $275,000 | $1,421 | 46,610 |
| Sumter | 6.79% | $251,000 | $1,308 | 40,524 |
| Florence | 6.71% | $195,000 | $1,008 | 40,512 |
| Hilton Head | 6.33% | $545,000 | $2,707 | 40,512 |
| Hilton Head Island | 6.71% | $595,000 | $3,075 | 40,000 |
| Spartanburg | 6.71% | $175,000 | $904 | 37,647 |
| Myrtle Beach | 6.71% | $285,000 | $1,473 | 35,682 |
| Greer | 6.68% | $256,000 | $1,319 | 35,024 |
| Aiken | 6.71% | $235,000 | $1,214 | 31,428 |
| Due West | 6.78% | $205,000 | $1,067 | 28,716 |
| Anderson | 6.47% | $195,000 | $983 | 27,387 |
| Mauldin | 6.81% | $223,000 | $1,164 | 25,829 |
| Hanahan | 6.88% | $252,000 | $1,325 | 25,689 |
| Socastee | 6.61% | $223,000 | $1,141 | 25,596 |
| Conway | 6.68% | $242,000 | $1,247 | 25,234 |
| Cheraw | 6.87% | $255,000 | $1,339 | 23,893 |
| Taylors | 6.84% | $196,000 | $1,026 | 23,720 |
| North Augusta | 6.75% | $245,000 | $1,271 | 23,537 |
| Greenwood | 6.7% | $200,000 | $1,032 | 23,222 |
| Lexington | 6.85% | $233,000 | $1,221 | 23,053 |
| Simpsonville | 6.75% | $241,000 | $1,250 | 23,004 |
| Bluffton | 6.8% | $225,000 | $1,173 | 23,003 |
| Fort Mill | 6.76% | $200,000 | $1,039 | 22,304 |
| St. Andrews | 6.86% | $213,000 | $1,118 | 22,165 |
| Easley | 6.74% | $215,000 | $1,114 | 22,042 |
| McCormick | 6.7% | $280,000 | $1,445 | 21,552 |
| Clover | 6.7% | $315,000 | $1,626 | 21,037 |
| Arcadia | 6.86% | $195,000 | $1,023 | 20,973 |
| Kershaw | 6.76% | $172,500 | $896 | 20,484 |
| Wade Hampton | 6.84% | $238,000 | $1,246 | 20,458 |
| Ridgeville | 6.77% | $210,000 | $1,092 | 20,299 |
| Westminster | 6.74% | $295,000 | $1,529 | 20,082 |
| Five Forks | 6.73% | $226,000 | $1,170 | 19,068 |
| Edisto Beach | 6.72% | $137,500 | $711 | 18,309 |
| West Columbia | 6.79% | $233,000 | $1,214 | 17,782 |
| Clemson | 6.87% | $246,000 | $1,292 | 17,402 |
| Red Hill | 6.87% | $226,000 | $1,187 | 16,892 |
| Dentsville | 6.72% | $212,000 | $1,097 | 16,290 |
| Ladson | 6.73% | $204,000 | $1,056 | 15,234 |
| Gantt | 6.75% | $238,000 | $1,235 | 14,576 |
| Cayce | 6.89% | $222,000 | $1,168 | 14,223 |
| Lake Wylie | 6.77% | $219,000 | $1,139 | 14,098 |
| Beaufort | 6.78% | $243,000 | $1,265 | 13,417 |
| Orangeburg | 6.73% | $199,000 | $1,030 | 12,639 |
| Tega Cay | 6.63% | $224,000 | $1,148 | 12,528 |
| Moncks Corner | 6.79% | $206,000 | $1,073 | 12,221 |
| James Island | 6.65% | $219,000 | $1,125 | 12,157 |
| Irmo | 6.68% | $204,000 | $1,051 | 12,042 |
| Parker | 6.73% | $235,000 | $1,217 | 11,798 |
| Indian Land | 6.68% | $197,000 | $1,015 | 11,540 |
| Fountain Inn | 6.71% | $230,000 | $1,189 | 10,784 |
| Woodfield | 6.72% | $221,000 | $1,143 | 10,286 |
| Newberry | 6.87% | $226,000 | $1,187 | 10,277 |
| Georgetown | 6.8% | $198,000 | $1,033 | 9,163 |
| Laurens | 6.61% | $219,000 | $1,120 | 9,139 |
| Lancaster | 6.72% | $198,000 | $1,024 | 9,043 |
| Sans Souci | 6.9% | $190,000 | $1,001 | 8,804 |
| York | 6.64% | $212,000 | $1,088 | 8,744 |
| Seneca | 6.89% | $193,000 | $1,016 | 8,424 |
| Bennettsville | 6.65% | $192,000 | $986 | 8,127 |
| Travelers Rest | 6.65% | $206,000 | $1,058 | 7,880 |
| Union | 6.86% | $230,000 | $1,207 | 7,645 |
| Hartsville | 6.6% | $223,000 | $1,139 | 7,606 |
| Camden | 6.88% | $184,000 | $967 | 7,385 |
| Marion | 6.84% | $227,000 | $1,189 | 6,565 |
| Dillon | 6.66% | $224,000 | $1,152 | 6,316 |
| Darlington | 6.77% | $233,000 | $1,211 | 6,289 |
| Walterboro | 6.84% | $216,000 | $1,131 | 5,398 |
| Batesburg-Leesville | 6.8% | $233,000 | $1,215 | 5,362 |
| Chester | 6.61% | $189,000 | $967 | 5,307 |
| Mullins | 6.76% | $174,000 | $904 | 4,536 |
| Walhalla | 6.9% | $180,000 | $948 | 4,290 |
| Woodruff | 6.89% | $194,000 | $1,021 | 4,237 |
| Pickens | 6.76% | $218,000 | $1,132 | 3,388 |
| Inman | 6.6% | $214,000 | $1,093 | 3,125 |
South Carolina Mortgage Rates Guide — 2026
South Carolina homebuyers currently see an average 30-year fixed mortgage rate of 6.74%, with median home prices around $238,415. At these rates, the typical monthly mortgage payment (principal and interest with 20% down) is $1,235.
The most affordable city for homebuyers in South Carolina is Edisto Beach, where the median home price is $137,500. On the other end, Hilton Head Island has the highest prices at $595,000. Property tax rates across the state average 0.57%.
To comfortably afford a home at the state average price, a household income of approximately $52,929 is recommended, following the standard guideline that housing costs should not exceed 28% of gross income.
Use our free loan calculator to see your exact monthly payments and amortization schedule, or browse individual city pages below for localized rate data and market insights.
Frequently Asked Questions — South Carolina Mortgages
What are current mortgage rates in South Carolina?
As of April 2026, the average 30-year fixed mortgage rate in South Carolina is 6.74% and the 15-year fixed rate averages 5.98%. Rates vary by city, lender, and borrower qualification.
What is the average home price in South Carolina?
The median home price across 82 cities in South Carolina is $238,415. Prices range from $137,500 in Edisto Beach to $595,000 in Hilton Head Island.
How much income do I need to buy a house in South Carolina?
Based on the 28% debt-to-income guideline, you would need a household income of approximately $52,929 to comfortably afford the average home in South Carolina. The median household income in the state is approximately $52,623.
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