The 20 most affordable cities in South Carolina to buy a house

Homeownership is fundamental to the American dream. It offers wealth, security, community, and countless other benefits. Yet for many South Carolina residents, the dream feels increasingly out of reach—even as incomes rise and mortgage rates fall. Near-record prices have made homes hard to come by and often even harder to afford, leaving buyers and sellers stuck and younger generations priced out.

But affordable pockets still exist. In cities across the state, residents can comfortably spend around 30% of their income or less on housing, which is widely considered the affordable threshold.

To find out where these cities are, Redfin Real Estate ranked the most affordable cities in South Carolina, based on their local payment to income ratios. All data is an average for the January-October 2025 period. To see the most affordable cities in the country, read this recent Redfin article.

#1. North Augusta, South Carolina
- Payment to income ratio: 26.3%
- Median sale price: $309,663
- Median household income: $90,132
- Income needed to buy: $79,077
- Median monthly mortgage payment: $1,977
- See homes for sale in North Augusta on Redfin.com

#2. Boiling Springs, South Carolina
- Payment to income ratio: 27.5%
- Median sale price: $286,384
- Median household income: $79,798
- Income needed to buy: $73,132
- Median monthly mortgage payment: $1,828
- See homes for sale in Boiling Springs on Redfin.com

#3. Ladson, South Carolina
- Payment to income ratio: 29.9%
- Median sale price: $323,747
- Median household income: $83,031
- Income needed to buy: $82,673
- Median monthly mortgage payment: $2,067
- See homes for sale in Ladson on Redfin.com

#4. Five Forks, South Carolina
- Payment to income ratio: 31.7%
- Median sale price: $582,514
- Median household income: $140,668
- Income needed to buy: $148,752
- Median monthly mortgage payment: $3,719
- See homes for sale in Five Forks on Redfin.com

#5. Greer, South Carolina
- Payment to income ratio: 33.0%
- Median sale price: $344,398
- Median household income: $80,030
- Income needed to buy: $87,947
- Median monthly mortgage payment: $2,199
- See homes for sale in Greer on Redfin.com

#6. Moncks Corner, South Carolina
- Payment to income ratio: 33.0%
- Median sale price: $394,163
- Median household income: $91,516
- Income needed to buy: $100,654
- Median monthly mortgage payment: $2,516
- See homes for sale in Moncks Corner on Redfin.com

#7. Tega Cay, South Carolina
- Payment to income ratio: 34.1%
- Median sale price: $628,384
- Median household income: $141,037
- Income needed to buy: $160,466
- Median monthly mortgage payment: $4,012
- See homes for sale in Tega Cay on Redfin.com

#8. Easley, South Carolina
- Payment to income ratio: 35.5%
- Median sale price: $302,380
- Median household income: $65,330
- Income needed to buy: $77,217
- Median monthly mortgage payment: $1,930
- See homes for sale in Easley on Redfin.com

#9. Goose Creek, South Carolina
- Payment to income ratio: 35.6%
- Median sale price: $406,050
- Median household income: $87,437
- Income needed to buy: $103,690
- Median monthly mortgage payment: $2,592
- See homes for sale in Goose Creek on Redfin.com

#10. Simpsonville, South Carolina
- Payment to income ratio: 35.7%
- Median sale price: $368,734
- Median household income: $79,233
- Income needed to buy: $94,161
- Median monthly mortgage payment: $2,354
- See homes for sale in Simpsonville on Redfin.com

#11. Fort Mill, South Carolina
- Payment to income ratio: 36.0%
- Median sale price: $599,485
- Median household income: $127,537
- Income needed to buy: $153,086
- Median monthly mortgage payment: $3,827
- See homes for sale in Fort Mill on Redfin.com

#12. Taylors, South Carolina
- Payment to income ratio: 36.1%
- Median sale price: $337,869
- Median household income: $71,747
- Income needed to buy: $86,279
- Median monthly mortgage payment: $2,157
- See homes for sale in Taylors on Redfin.com

#13. Mauldin, South Carolina
- Payment to income ratio: 37.0%
- Median sale price: $391,427
- Median household income: $81,027
- Income needed to buy: $99,956
- Median monthly mortgage payment: $2,499
- See homes for sale in Mauldin on Redfin.com

#14. Summerville, South Carolina
- Payment to income ratio: 37.2%
- Median sale price: $381,666
- Median household income: $78,621
- Income needed to buy: $97,463
- Median monthly mortgage payment: $2,437
- See homes for sale in Summerville on Redfin.com

#15. Rock Hill, South Carolina
- Payment to income ratio: 38.1%
- Median sale price: $321,925
- Median household income: $64,770
- Income needed to buy: $82,208
- Median monthly mortgage payment: $2,055
- See homes for sale in Rock Hill on Redfin.com

#16. Fountain Inn, South Carolina
- Payment to income ratio: 38.9%
- Median sale price: $365,826
- Median household income: $72,021
- Income needed to buy: $93,418
- Median monthly mortgage payment: $2,335
- See homes for sale in Fountain Inn on Redfin.com

#17. Lake Wylie, South Carolina
- Payment to income ratio: 39.7%
- Median sale price: $580,902
- Median household income: $112,113
- Income needed to buy: $148,341
- Median monthly mortgage payment: $3,709
- See homes for sale in Lake Wylie on Redfin.com

#18. Hanahan, South Carolina
- Payment to income ratio: 40.4%
- Median sale price: $443,436
- Median household income: $84,061
- Income needed to buy: $113,237
- Median monthly mortgage payment: $2,831
- See homes for sale in Hanahan on Redfin.com

#19. Bluffton, South Carolina
- Payment to income ratio: 42.0%
- Median sale price: $577,531
- Median household income: $105,463
- Income needed to buy: $147,480
- Median monthly mortgage payment: $3,687
- See homes for sale in Bluffton on Redfin.com

#20. Wade Hampton, South Carolina
- Payment to income ratio: 43.7%
- Median sale price: $430,573
- Median household income: $75,522
- Income needed to buy: $109,952
- Median monthly mortgage payment: $2,749
- See homes for sale in Wade Hampton on Redfin.com