South Carolina mortgage rates and costs by county, 2025
Median figures from closed, first-lien, owner-occupied home loans reported under HMDA. Each county page breaks the numbers down by lender. Counties with fewer than 5 qualifying loans are not listed; see the methodology.
| County | Purchase loans | Median rate | Median total costs | Refinance rate |
|---|---|---|---|---|
| Horry County | 7,048 | 6.375% | $5,778 | 6.25% |
| Greenville County | 6,923 | 6.375% | $6,365 | 6.125% |
| Spartanburg County | 6,182 | 6.25% | $7,341 | 6.25% |
| Berkeley County | 5,318 | 6.125% | $8,331 | 6% |
| Richland County | 5,253 | 6.35% | $6,719 | 6% |
| Charleston County | 4,947 | 6.375% | $6,389 | 6.125% |
| Lexington County | 4,479 | 6.5% | $6,681 | 6.125% |
| York County | 4,295 | 6.375% | $6,001 | 6.125% |
| Dorchester County | 3,030 | 6.25% | $7,953 | 6% |
| Beaufort County | 2,775 | 6.49% | $6,239 | 6% |
| Anderson County | 2,703 | 6.375% | $7,267 | 6.25% |
| Aiken County | 2,558 | 6.375% | $6,972 | 6.125% |
| Lancaster County | 1,867 | 6.375% | $5,563 | 6.125% |
| Pickens County | 1,438 | 6.5% | $6,803 | 6.25% |
| Florence County | 1,227 | 6.5% | $7,133 | 6.125% |
| Sumter County | 1,170 | 6.375% | $6,765 | 6.125% |
| Laurens County | 1,088 | 6.25% | $7,575 | 6.25% |
| Jasper County | 1,051 | 6.375% | $5,585 | 5.999% |
| Kershaw County | 908 | 6.375% | $6,972 | 6.125% |
| Oconee County | 884 | 6.5% | $6,075 | 6.17% |
| Orangeburg County | 703 | 6.5% | $7,170 | 6.25% |
| Greenwood County | 619 | 6.49% | $7,069 | 6.24% |
| Georgetown County | 606 | 6.625% | $5,933 | 6.25% |
| Darlington County | 532 | 6.625% | $6,533 | 6.25% |
| Cherokee County | 493 | 6.5% | $6,884 | 6.125% |
| Chester County | 443 | 6.332% | $7,817 | 6.25% |
| Edgefield County | 366 | 6.375% | $7,373 | 6.125% |
| Colleton County | 357 | 6.625% | $7,738 | 6.25% |
| Chesterfield County | 356 | 6.625% | $6,749 | 6.312% |
| Newberry County | 285 | 6.537% | $7,115 | 6.25% |
| Clarendon County | 262 | 6.625% | $6,462 | 6.25% |
| Union County | 231 | 6.5% | $6,837 | 6.375% |
| Dillon County | 191 | 7% | $5,494 | 6.25% |
| Marion County | 189 | 6.75% | $6,508 | 6.49% |
| Abbeville County | 172 | 6.612% | $6,947 | 6.375% |
| Fairfield County | 155 | 6.625% | $6,868 | 6.25% |
| Calhoun County | 130 | 6.625% | $7,481 | 6.25% |
| Marlboro County | 130 | 6.934% | $5,848 | 6.25% |
| Williamsburg County | 129 | 6.875% | $6,489 | 6.375% |
| Barnwell County | 127 | 6.875% | $6,791 | 6.375% |
| Saluda County | 123 | 6.625% | $7,279 | 6.49% |
| McCormick County | 111 | 6.75% | $4,721 | 6.125% |
| Hampton County | 108 | 6.99% | $6,577 | 6.099% |
| Lee County | 88 | 7.062% | $5,933 | 6.375% |
| Bamberg County | 58 | 6.624% | $5,455 | 6% |
| Allendale County | 23 | 7.125% | $3,815 | 6.75% |
Purchase loans sorted by loan count. Medians describe what closed loans looked like, under those borrowers' profiles and loan sizes; they are not quotes. Source: FFIEC HMDA Modified LAR, filing year 2025.