South Carolina Mortgage Rates (2026)
Current average mortgage rates, median home prices, and top lenders in South Carolina. Rates apply to primary residence purchases with good credit (740+).
30yr Fixed
7.05%
Avg APR
15yr Fixed
6.45%
Avg APR
Median Price
$305,000
Median home
Monthly P&I
$1,627
30yr at 80% LTV
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Top Mortgage Lenders in South Carolina
1
Get RateRocket Mortgage
Online convenience
30yr Fixed
7%
15yr Fixed
6.4%
Min Down
3%
2
Get RateChase
Existing customers
30yr Fixed
6.9%
15yr Fixed
6.3%
Min Down
3%
3
Get RateWells Fargo
Branch access
30yr Fixed
7.1%
15yr Fixed
6.5%
Min Down
3%
4
Get RateBank of America
Preferred Rewards
30yr Fixed
7%
15yr Fixed
6.4%
Min Down
3%
5
Get RateloanDepot
Low down payment
30yr Fixed
6.9%
15yr Fixed
6.3%
Min Down
3%
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First-Time Buyer Programs in South Carolina
- ✓SC State Housing MyHome Program
- ✓SC State Housing Palmetto Home Advantage
- ✓Homeownership Fund DPA
Mortgage Requirements in South Carolina
- •Min 640 credit score for SC Housing programs
- •Income limits apply
- •Homebuyer education required for assistance
South Carolina Housing Market Facts
Charleston and Myrtle Beach are the most desirable and expensive markets.
Greenville offers strong value with a growing job market.
SC State Housing DPA offers up to 5% of loan amount.
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