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Today's Mortgage Rates in South Carolina

Get a Lower rate in South Carolina whether you're buying, looking to get cash out of your home or lower your monthly mortgage payment.

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SC Mortgage Rate Insights

  • The 30-Year Conventional Mortgage rate is 7.250%.
  • The 30-Year Conventional Refinance rate is 7.490%.
  • Rates are current as of October 8, 2026.

Current South Carolina Mortgage Rates

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Mortgage Rates Trend in South Carolina

Historical rates shown for context only. See full disclosures below and current rates in the table above. View Legal Disclosures

What Affects Mortgage Interest Rates in South Carolina

South Carolina mortgage interest rates follow national lending markets rather than rates set by state borders. Your credit profile, loan structure, property details and other application factors can affect the pricing offered to you.

A mortgage quote for a home in Columbia can differ from one for a property in a rural part of South Carolina when the borrower, property or loan details change.

When comparing lenders, look at both the interest rate and the annual percentage rate, or APR. The interest rate is the percentage charged for borrowing the principal. APR is a broader annualized measure that includes the interest rate plus certain loan costs.

If you already have a mortgage in South Carolina, compare South Carolina refinance rates with your current loan before refinancing.

Types of Mortgages Available in South Carolina

South Carolinians buying a home can choose among several mortgage structures, while the amount borrowed determines whether conventional financing stays within South Carolina's statewide conforming limit.

  • A conventional fixed-rate mortgage keeps the same interest rate for the full loan term.

  • FHA loans in South Carolina follow separate borrower and property requirements. FHA loan limits are set separately from conforming limits and are published county by county.

  • Eligible borrowers can compare South Carolina VA loan rates. VA financing follows its own borrower and property requirements.

  • USDA loans combine borrower qualification with property eligibility and may apply when you are buying in an eligible rural part of South Carolina.

  • An adjustable-rate mortgage can change after its initial rate period according to the loan terms.

  • A jumbo loan finances an amount above the applicable conforming limit. South Carolina uses one statewide one-unit threshold for 2026.

Buyers entering the market for the first time can compare first-time homebuyer loan options in South Carolina.

Mortgage insurance treatment varies by loan program, so include mortgage insurance requirements by loan type when estimating the full payment.

2026 Conforming and Jumbo Loan Limits in South Carolina

All 46 counties in South Carolina use the same $832,750 one-unit conforming loan limit for 2026. The Federal Housing Finance Agency, or FHFA, sets conforming loan limits annually.

A one-unit mortgage above $832,750 falls into the jumbo category anywhere in South Carolina. The threshold applies to the amount borrowed rather than the home's purchase price.

Buyers borrowing above $832,750 can compare South Carolina jumbo loan rates. Because the same one-unit limit applies across all 46 counties, there is no county-level conforming table to check.

These are 2026 limits for one-unit properties. Limits for two-, three- and four-unit properties are higher. The FHFA publishes annual conforming loan limit values by county and property size.

FHA financing uses a separate county-level limit system. The VA does not impose a loan limit for eligible borrowers with full entitlement. Lenders may still apply their own underwriting and loan-size requirements.

Mortgage rate pages are also available for these states:

South Carolina Mortgage Payment Examples By Rate

South Carolina's payment examples extend to an $800,000 mortgage, which remains below the statewide $832,750 one-unit conforming limit that applies across all 46 counties for 2026. The table shows principal-and-interest payments across the supplied loan amounts and rates. Use the South Carolina mortgage payment calculator to test a different loan amount or other mortgage details.

Loan Amount 5.50% 5.75% 6.00% 6.25% 6.50%
$800,000 $4,542 $4,669 $4,796 $4,926 $5,057
$700,000 $3,975 $4,085 $4,197 $4,310 $4,424
$600,000 $3,407 $3,501 $3,597 $3,694 $3,792
$500,000 $2,839 $2,918 $2,998 $3,079 $3,160
$400,000 $2,271 $2,334 $2,398 $2,463 $2,528
$300,000 $1,703 $1,751 $1,799 $1,847 $1,896

The figures cover principal and interest only. Property taxes, homeowners insurance, mortgage insurance, association fees and other costs are not included.

Learn more about mortgage rates in South Carolina

Are there homebuyer assistance programs in South Carolina?

The South Carolina State Housing Finance and Development Authority provides information about available homebuyer programs, eligibility and application requirements.

What is the conforming loan limit in South Carolina for 2026?

Every county in South Carolina uses a 2026 one-unit conforming loan limit of $832,750. A one-unit mortgage above $832,750 falls into the jumbo category statewide.

How can I get a lower mortgage rate?

Your credit profile, debt load and down payment can affect the pricing offered to you. Compare mortgage offers using APR as well as the interest rate. Temporary rate buydowns and seller concessions can also affect the cost or payment structure of a transaction. Compare the complete terms of the offers you receive.

How will property taxes and insurance in South Carolina
affect my mortgage payment?

Property taxes and homeowners insurance are usually collected monthly when your mortgage uses an escrow account. The lender holds those amounts until the bills are due, so the full monthly payment exceeds principal and interest alone. Review escrow requirements by loan type and property taxes by state and county when estimating these costs.

Loan Officers in South Carolina

Ashton Mitchell

Ashton Mitchell

Branch Manager

NMLS ID# 1266342

Linda Roudebush

Linda Roudebush

Branch Manager

NMLS ID# 1193792

Gabby Leonard

Gabby Leonard

Loan Officer Assistant

NMLS ID# 2026196

Mackenzie Pitt

Mackenzie Pitt

Loan Officer

NMLS ID# 2071615

Nicole Munnerlyn

Nicole Munnerlyn

Branch Manager, VP

NMLS ID# 1987020

Sonya Pitt

Sonya Pitt

Branch Manager

NMLS ID# 182524

Laura Heath

Laura Heath

Production Manager - RMLO

NMLS ID# 1095626

Beth Teague

Beth Teague

Loan Officer

NMLS ID# 1725965

Lisa DePriest

Lisa DePriest

Loan Advisor

NMLS ID# 182231

Shonna Lee

Shonna Lee

Branch Manager

NMLS ID# 618535

Cameron Lewis

Cameron Lewis

Branch Manager

NMLS ID# 112509

Bruce Buckless

Bruce Buckless

Regional Vice President

NMLS ID# 116886

Amber Koester

Amber Koester

Senior Loan Officer

NMLS ID# 1764109

Travis Walthall

Travis Walthall

Loan Officer

NMLS ID# 1864838

Cam Lewis

Cam Lewis

Mortgage Loan Advisor

NMLS ID# 2778892

Megan Deitsch

Megan Deitsch

Loan Officer

NMLS ID# 1720102

Corey Deitsch

Corey Deitsch

Loan Officer

NMLS ID# 1458773

Danielle Kelley

Danielle Kelley

Loan Advisor

NMLS ID# 2448817

Landon Kail

Landon Kail

VP of Lending

NMLS ID# 1549676

Christian Ruiz

Christian Ruiz

Loan Officer

NMLS ID# 2860997

Angel Ramos

Angel Ramos

Loan Officer

NMLS ID# 2044477

Ian Varner

Ian Varner

Loan Officer

NMLS ID# 2738081

Tiana Winter

Tiana Winter

Branch Manager, VP

NMLS ID# 2010836

All Loan Officers in South Carolina

Find Out Why South Carolinians Love Lower

Don't take our word for it. We've got 50,000 five-star reviews and counting. Read what real customers have to say.
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5.0

Angie was awesome to work with and I would highly recommend her!

Jeffery B.

Verified Customer

October 5, 2026

5.0

Tracey provided a unique loan service to a my client who wouldn't have been able to get the home she wanted without the renovation loan. Her team was thorough, prompt and helpful all along the process.

Carly C.

Verified Customer

August 6, 2026

5.0

We had an outstanding experience with Lower Mortgage, and I can’t say enough good things about Eva and Tanner. From the beginning, they were professional, responsive, knowledgeable, and incredibly easy to work with. Buying a home and working th…rough the mortgage process can be stressful, especially when there are a lot of moving pieces, but Eva and Tanner made the entire process feel organized and manageable. They were always available when we had questions, explained our options clearly, and kept us informed every step of the way. What impressed us most was that we never felt like just another loan in the pipeline. Eva and Tanner genuinely seemed invested in making sure everything went smoothly and that we were comfortable with the decisions we were making. Communication was excellent, deadlines were handled without drama, and there were no unpleasant surprises at the finish line. Lower Mortgage was extremely competitive, but the service from Eva and Tanner is what really made the experience stand out. They delivered exactly what they said they would and helped make what could have been a stressful process remarkably smooth. We would absolutely use Lower Mortgage again and would recommend Eva and Tanner without hesitation. Five stars and a huge thank you to both of them!

John W.

Verified Customer

September 26, 2026

5.0

Graham and his team were wond to work with and quick got my loan done

Cathy S.

Verified Customer

August 29, 2026

5.0

Laura always kept me infomed with where we were in the process of purchasing our new home. She was awesome with answering any questions I had. She is great at answering any questions or actions you needed to complete. Thank you Lord for placing… Laura in our path.

Sergio J.

Verified Customer

September 6, 2026

5.0

Gabriela is a wonderful communicator. She is really helpful and patient, and has a great sense of humor. This was my first time buying a home and working with Gabriela gave me a confidence I would not have had otherwise. I would recommend her w…ithout reservation!

Aliza A.

Verified Customer

September 25, 2026

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