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City · 16,862 residents · Greenville County, South Carolina

Berea , South Carolina

In Berea, a typical home is worth $204,700 and typical rent is $1,076 a month. Compared with all of Greenville County, typical household income is 35% lower, the typical home value is 32% lower, and the share of households that own their home is 5 points lower.

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  • Typical home value

    $204,700

    32% below the county

    21% below South Carolina

    • Berea
    • Greenville
    • South Carolina

  • Typical rent

    $1,076a month

    15% below the county

    9% below South Carolina

    • Berea
    • Greenville
    • South Carolina

  • Typical household income

    $49,829a year

    35% below the county

    28% below South Carolina

    • Berea
    • Greenville
    • South Carolina

  • Households that own their home

    64%

    5 points below the county

    8 points below South Carolina

    • Berea
    • Greenville
    • South Carolina

Source: U.S. Census Bureau, Average 2020–2024

Berea is in Greenville County. The FHA loan limit ($541,287 for a one-unit home), the fair market rents and the help on this page are those of all of Greenville County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Berea apart

What this place has that others do not, from public data, most unusual first.

  1. The typical household income in Berea is $49,829, 35% less than in Greenville County as a whole ($76,932).

  2. The typical home in Berea is worth $204,700, 32% less than in Greenville County as a whole ($299,000).

  3. Nearby, in Parker, the typical home value is $150,400: 27% less than in Berea ($204,700).

  4. 64% of households in Berea own their home, against 69% in Greenville County.

Sources: U.S. Census Bureau (Average 2020–2024).

The homes here

Housing in Berea

What homes there are in Berea, what they cost, how that changed and how people live, from Census figures (2020–2024).

What homes there are

U.S. Census Bureau, ACS 5-year, 2020–2024

Kind of home

The detached house is still the most common home in Berea, but it weighs less than in Greenville County: 63% against 68%.

Year built

Homes in Berea are older: the typical year built is 1979; in Greenville County, 1992.

All homes, occupied or empty. A figure the Census cannot measure precisely enough here is not shown.

Census tables: B25024, B25034, B25035, B25041

What it costs here

U.S. Census Bureau, ACS 5-year, 2020–2024

Value of owner-occupied homes

The FHA limit for Greenville County is high ($541,287): at least 98% of owner-occupied homes in Berea are worth less than $500,000.

Monthly rent with utilities

HUD's 2-bedroom fair market rent for Greenville County is high ($1,507): at least 83% of rents in Berea cost less than $1,500.

With a mortgage

$1,181 a month

Greenville County: $1,561 a month

Without a mortgage

$403 a month

Greenville County: $459 a month

Owners with a mortgage

63%

Greenville County: 62%

The typical cost for an owner with a mortgage in Berea is $1,181 a month, less than in Greenville County ($1,561); without one, $403.

Value: what owners think their home is worth. Rent: rent plus utilities, for homes of every size. The FHA limit is the most an FHA loan (Federal Housing Administration) lends for a one-unit home; the fair market rent (FMR) is the one HUD uses for housing vouchers.

Census tables: B25075, B25063, B25088, B25081

How it changed

U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024

Change since 2015–2019

Since 2015–2019, homes in Berea gained value faster than in Greenville County: 78% against 63%.

Rents in Berea rose at about the same pace as in Greenville County: 39% since 2015–2019, against 38%.

Here income did not keep up with housing: it rose 34%, while home values changed +78% and rent +39%.

Change between two 5-year periods that do not overlap, in each period's dollars, not adjusted for inflation.

Census tables: B25077, B25064, B19013

How people live

U.S. Census Bureau, ACS 5-year, 2020–2024

MeasureBereaGreenville CountySouth CarolinaUnited States
Rental vacancy Unreliable estimate7.4%8.3%5.5%
Homeowner vacancy Unreliable estimate1.0%0.9%0.9%
More than one person per room 5.9%2.3%2.0%3.4%
People per household 2.602.432.442.53
Drive alone 72%75%76%69%
Carpool 18%8%9%9%
Public transit Unreliable estimate0%0%3%
Walk or bike Unreliable estimate2%2%3%
Work from home 7%14%12%15%
Other means Unreliable estimate2%2%2%
Typical commute 20 to 29 minutes20 to 29 minutes20 to 29 minutes20 to 29 minutes

More households are short on space in Berea: 5.9% have more than one person per room; in Greenville County, 2.3%.

Households in Berea are bigger: 2.60 people on average; in Greenville County, 2.43.

More people carpool to work in Berea than in Greenville County: 18% against 8%.

Vacancy: empty homes offered for rent or for sale. Rooms: every room in the home, not only bedrooms. Commute: the minute range of the typical worker.

Census tables: B25004, B25003, B25014, B25010, B08301, B08303

Do the math

What would you pay each month for a home in Berea?

A typical home costs more than the typical income allows

We start with a typical home in Berea, worth $204,700, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 40% of the typical household income in Berea, which is $49,829 a year. For that payment to be 28% of income, a household would need to earn about $70,568 a year.

The calculator's FHA and conventional loan limits are those of all of Greenville County.

Your numbers

Local data
$

Starts at the typical home value in Berea. Change it to the price you have in mind.

Loan type
Your credit score

Your score changes which loans apply and FHA's minimum down payment. Your real rate also depends on your credit.

Down payment
%

That is $7,165 (3.5% of the price). The usual minimum for this loan is 3.5%.

This week's average ± a quarter or half point.

Term

National average as of November 5, 2026 (Freddie Mac); your rate may be different.

Adjust advanced details

Estimated monthly payment

Local data

$1,647

at 7.18% · 30 years

Loan amount
$200,992
Total interest
$289,180
Paid off in
November 2056

Includes $3,457 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,163 a month

  • Tight

    $1,163 to $1,495 a month

  • Hard

    more than $1,495 a month

    Your payment · 40%

Compared with the typical household income in Berea ($49,829 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$1,647
Principal & interest$1,362
Property tax$109
Home insurance$85
FHA mortgage insurance (MIP)$91

You need at least $7,165 for the down payment, plus closing costs.

Next step

This is an estimate to give you an idea, not a loan offer. Your real payment depends on your rate, your credit, and the insurance and taxes on the home you buy.

The city and its county

Berea and Greenville County

Berea is in Greenville County, South Carolina. The U.S. Census Bureau publishes its own numbers for the city: home values, rent, household income, how many households own their home and the property tax. They are American Community Survey estimates (average 2020–2024).

Berea's own numbers

Typical home value
$204,700
Typical monthly rent
$1,076
Typical yearly household income
$49,829
Households that own their home
64%
Effective property tax rate
0.64%

U.S. Census Bureau, American Community Survey (average 2020–2024).

Numbers for all of Greenville County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,507
Price change over 5 years (FHFA)
+61%
Homes in a high flood-risk zone
0.6%

HUD, FHFA and FEMA don't publish these numbers by city.

Other numbers are not published by city, only for the whole county: FHA and conventional loan limits, HUD’s fair market rents, FHFA’s price index and FEMA’s flood data. On this page, those numbers always say they are for all of Greenville County.

Everything about Greenville County

Buying

Buying a home in Berea

A typical home in Berea is worth $204,700: 32% below the county and 21% below South Carolina. With the typical household income in Berea ($49,829 a year), a typical home costs 4.1 times what the household earns in a year.

Years of income to pay for a typical home

The typical home value divided by the typical household income for one year. The lower it is, the less buying weighs.

  • Berea 4.1 years
  • Greenville 3.9 years
  • South Carolina 3.7 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Greenville County

According to FHFA’s house price index, home prices in Greenville County rose 118% in the 10 years through 2025.

FHFA does not publish this index by city: these are the numbers for all of Greenville County.

Period County South Carolina U.S.
Last year (2025) +3.8% +3.6% +2.9%
5 years (2020–2025) +61% +60% +47%
10 years (2015–2025) +118% +104% +85%

The index follows the price of the same homes over time (sales and appraisals with Fannie Mae and Freddie Mac loans). It is not the average price of a home. FHFA considers its annual county indexes experimental. Source: FHFA, 2025 data

Berea next to Greenville County, South Carolina and the U.S.

Three numbers side by side. “Typical” means the median: half are above it and half below.

Typical home value
  • Berea $204,700
  • Greenville $299,000
  • South Carolina $259,000
  • United States $332,700
Typical monthly rent
  • Berea $1,076
  • Greenville $1,262
  • South Carolina $1,180
  • United States $1,413
Typical yearly household income
  • Berea $49,829
  • Greenville $76,932
  • South Carolina $69,324
  • United States $80,734
See the full table
Berea next to Greenville County and South Carolina
Measure Berea Greenville County South Carolina U.S.
Typical home value $204,700 $299,000 $259,000 $332,700
Typical monthly rent $1,076 $1,262 $1,180 $1,413
Typical yearly household income $49,829 $76,932 $69,324 $80,734
Households that own their home 64% 69% 72% 65%
Typical yearly property tax $1,301 $1,512 $1,251 $3,119
Effective property tax rate 0.64% 0.51% 0.48% 0.94%
Renters with high rent for their income 62% 51% 52% 51%

“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Greenville County. “High rent” is the Census measure: renter households that pay 30% or more of their income in rent.

Four ways to pay for a typical home in Berea

For a typical $204,700 home in Berea, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Berea's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $1,647a month

    Least cash to close
    Down payment
    $7,165
    Cash to close
    $13,306
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $91

  • Conventional, 5% down $1,609a month

    Down payment
    $10,235
    Cash to close
    $16,376
    Rate
    7.18%
    Mortgage insurance
    PMI · $97

  • Conventional, 20% down, no PMI $1,304a month

    Down payment
    $40,940
    Cash to close
    $47,081
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $1,493a month

    Down payment
    $30,705
    Cash to close
    $36,846
    Rate
    8.18%
    Mortgage insurance
    None

The option that asks for the least cash to close is FHA, 3.5% down.

  • Cash to close = down payment plus 3% of the price in closing costs (example).
  • Minimum score: FHA requires 580 or higher for the minimum down payment (HUD Handbook 4000.1). * Fannie Mae requires 620 when a loan is underwritten by hand; its automated system has no fixed minimum.
  • The ITIN row is an example with a rate 1 percentage point higher: ITIN loans follow no federal rule and each lender sets its own down payment and rate. Nothing in this table promises an approval.

How much house can I afford? Estimate closing costs

Taxes and floods

Two costs that change from place to place

Property tax and flood insurance raise or lower what you pay each month. Here are the numbers for Berea and for Greenville County.

Property tax

Effective rate in Berea

0.64%of the home’s value each year

$1,301 a year for the typical owner in Berea.

  • Berea 0.64%
  • Greenville 0.51%
  • South Carolina 0.48%

What South Carolina publishes Special 4% assessment ratio for your legal residence (South Carolina General Assembly (South Carolina Code of Laws))

Exemptions and deadlines in South Carolina

Flood risk in Greenville County

FEMA does not publish these numbers by city: they are for all of Greenville County.

Homes in the high-risk zone
0.6%
1,128
Of those, with NFIP insurance
45%
County South Carolina U.S.
Homes in the high-risk zone 0.6% 4% 3.5%
Of those, with NFIP insurance 45% 85% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Berea

Typical rent in Berea is $1,076 a month: 15% below the county. In Berea, 62% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Greenville County, by unit size. To pay the 2-bedroom one ($1,507 a month) without spending more than 30% of your income, you would need to earn $28.98 an hour working full time.

HUD fair market rent for all of Greenville County

What you need to earn to pay it without spending more than 30% of income, working full time.

Size Fair rent a month Hourly wage Yearly income
Studio $1,329 $25.56 $53,160
1 bedroom $1,384 $26.62 $55,360
2 bedrooms $1,507 $28.98 $60,280
3 bedrooms $1,801 $34.63 $72,040
4 bedrooms $2,124 $40.85 $84,960

Includes basic utilities. It isn't the lowest or highest rent: it's a reference point. Source: HUD, Fiscal year 2027

By ZIP code

Fair market rent by ZIP code in Berea

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Berea has 2 ZIP codes with their own.

For 2 bedrooms it runs from $1,350 in 29617 to $1,420 in 29611.

None is above the fair market rent for Greenville County ($1,507).

  • 29611 $1,420$1,700
  • 29617 $1,350$1,610

2 of these ZIP codes cross the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Berea when at least 50% of its land is inside the city or it covers at least 15% of the city (Census 2020 boundaries). Source: Small Area Fair Market Rents (HUD) Fiscal year 2027 Small Area Fair Market Rents (HUD) Source: Census Bureau ZCTA-to-place relationship file Data from 2020 data Census Bureau ZCTA-to-place relationship file

Is your rent high for your ZIP?

Free help

Help to buy or rent in Berea

You do not have to do this alone. A HUD-approved housing counseling agency helps for free or at low cost: getting ready to buy, understanding your credit, or solving a problem with your rent.

There is 1 HUD-approved agency with an office in Greenville County; none says it serves in Spanish.

A grandmother smiles, seated at home.

HUD counseling is free or low-cost

Assistance programs in Berea

No down payment, repair or rent-help program on our list is for Berea or Greenville County. The ones below are statewide in South Carolina: they work in Berea the same as in the rest of the state.

Which programs do I qualify for? All programs in South Carolina

  • Palmetto Home Advantage

    Statewide in South Carolina

    South Carolina state agency program with forgivable down payment assistance of 0%, 3% or 4% of the loan, with no monthly payments, for any buyer in all 46 counties. Offered by SC Housing (South Carolina State Housing Finance and Development Authority).

    Forgivable

    See the program Official page

  • SC Housing Homebuyer Program

    Statewide in South Carolina

    South Carolina state agency fixed-rate mortgage with forgivable help for the down payment, closing costs or prepaid expenses: a 0% second mortgage with no monthly payments, forgiven if you live in the home 15 years. Offered by SC Housing (South Carolina State Housing Finance and Development Authority).

    Forgivable

    See the program Official page

Housing counselors near Berea

The HUD-approved agencies closest to the center of Berea, in a straight line, nearest first. If one says it serves in Spanish, its card says so.

  • Greenville County Human Relations Commission

    301 University Rdg, Greenville · 4 miles away

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 8 more
    (864) 467-7095

  • Telamon Corporation - Greenville Branch

    300A S Daniel Morgan Ave, Spartanburg · 30 miles away

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 7 more
    (919) 899-9911

  • Regenesis Community Development Corporation F/K/A Upstate Housing Partnership

    430 E Main St, Spartanburg · 31 miles away

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 8 more
    (864) 504-3090

Every agency in Greenville County All counseling agencies in South Carolina

Help in Spanish near Berea

None of the 3 agencies on this list say they serve in Spanish.

Ask for service in Spanish

When you call, say “Spanish, please” or ask if someone speaks Spanish. If not, ask whether they offer an interpreter.

Housing authorities of Berea

In HUD’s record, no housing authority with an office in Greenville County is named for Berea or Greenville County.

2 other authorities have an office in Greenville County: see the list Source: HUD

Cities

Other cities in Greenville County

These cities are also in Greenville County. They share its loan limits and fair market rents, but home values and rent change from one to the next.

Everything about Greenville County Housing in South Carolina
See 1 more city in Greenville County, with its price and rent

Every city has its own page with prices, rents and help.

Nearby cities

The cities closest to Berea, with the typical home value.

Neighboring counties

If Greenville County is out of reach, look next door. Each number is that county's own.

Keep going

Guides for your next step

Short explanations, in plain language and with official sources, for buying or renting in Berea.

All guides
A man and two girls read a book together on the sofa.

Questions

Housing questions about Berea

Short answers with the numbers for Berea and all of Greenville County. If your case is different, a HUD-approved counseling agency can guide you for free or at low cost.

How much does a typical home cost in Berea?

The typical home value in Berea is $204,700, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Greenville County it is $299,000.

How much does it cost to rent in Berea?

Typical rent in Berea is $1,076 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Greenville County is $1,507.

What is the FHA loan limit in Berea?

Berea uses the FHA limit for all of Greenville County (2026): $541,287 for a one-unit home and $1,041,125 for a four-unit home.

How much property tax do owners pay in Berea?

The typical homeowner in Berea pays $1,301 a year, according to the U.S. Census Bureau. That is 0.64% of the home’s value; in Greenville County, the rate is 0.51%.

Where can I find free help to buy or rent in Berea?

There is 1 HUD-approved counseling agency with an office in Greenville County. They can help you get ready to buy, with your credit, or with rent.

Sources: American Community Survey (ACS) 5-year estimates (Average 2020–2024); FHA mortgage limits (HUD) (2026 data); Conforming loan limits (FHFA) (2026 data); Fair Market Rents (HUD) (Fiscal year 2027); Small Area Fair Market Rents (HUD) (Fiscal year 2027); Census Bureau ZCTA-to-place relationship file (2020 data); HUD-approved housing counseling agencies (Retrieved November 6, 2026); Public Housing Agencies (HUD) (Retrieved November 6, 2026); Freddie Mac Primary Mortgage Market Survey (PMMS) (As of November 5, 2026); FHFA House Price Index (HPI) (2025 data); Homes with flood insurance (NFIP, FEMA) (As of August 3, 2026).