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

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, 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 .

#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

#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

#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

#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

#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

#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

#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

#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

#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

#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

#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

#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

#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

#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

#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

#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

#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

#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

#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

#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