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City · 8,267 residents · Kershaw County, South Carolina

Camden , South Carolina

In Camden, a typical home is worth $265,300 and typical rent is $956 a month. Compared with all of Kershaw County, the typical home value is 22% higher, typical household income is 7% lower, and the share of households that own their home is 13 points lower.

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  • Typical home value

    $265,300

    22% above the county

    2% above South Carolina

    • Camden
    • Kershaw
    • South Carolina

  • Typical rent

    $956a month

    About the same as the county

    19% below South Carolina

    • Camden
    • Kershaw
    • South Carolina

  • Typical household income

    $63,576a year

    7% below the county

    8% below South Carolina

    • Camden
    • Kershaw
    • South Carolina

  • Households that own their home

    69%

    13 points below the county

    3 points below South Carolina

    • Camden
    • Kershaw
    • South Carolina

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

Market now, with Zillow data

Zillow data
Typical home value
$249,547
3.4% more than 12 months ago
Typical rent
$1,712 a month

From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).

Camden is in Kershaw 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 Kershaw County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Camden apart

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

  1. Nearby, in Woodfield, the typical home value is $150,800: 43% less than in Camden ($265,300).

  2. 69% of households in Camden own their home, against 82% in Kershaw County.

  3. The typical home in Camden is worth $265,300, 22% more than in Kershaw County as a whole ($217,100).

  4. 14% of households in Camden have no internet at home (8% in Kershaw County).

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

The homes here

Housing in Camden

What homes there are in Camden, 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

In Camden, 8 in 10 homes are single-family detached houses, about the same as in Kershaw County.

Year built

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
Monthly rent with utilities

With a mortgage

$1,602 a month

Kershaw County: $1,421 a month

Without a mortgage

$572 a month

Kershaw County: $411 a month

Owners with a mortgage

60%

Kershaw County: 58%

The typical cost for an owner with a mortgage in Camden is $1,602 a month, more than in Kershaw County ($1,421); without one, $572.

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

The typical home value in Camden rose 66% since 2015–2019, about the same as in Kershaw County (66%).

Since 2015–2019, the typical rent in Camden rose 43%, more than in Kershaw County (25%).

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

MeasureCamdenKershaw CountySouth CarolinaUnited States
Rental vacancy Unreliable estimateUnreliable estimate8.3%5.5%
Homeowner vacancy Unreliable estimateUnreliable estimate0.9%0.9%
More than one person per room Unreliable estimateUnreliable estimate2.0%3.4%
People per household 2.232.532.442.53
Drive alone 87%81%76%69%
Carpool Unreliable estimate9%9%9%
Public transit Unreliable estimateUnreliable estimate0%3%
Walk or bike Unreliable estimateUnreliable estimate2%3%
Work from home Unreliable estimate9%12%15%
Other means Unreliable estimateUnreliable estimate2%2%
Typical commute Unreliable estimateUnreliable estimate20 to 29 minutes20 to 29 minutes

Households in Camden are smaller: 2.23 people on average; in Kershaw County, 2.53.

In Camden, 87% of workers drive alone to work; in Kershaw County, 81%.

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 Camden?

A typical home costs more than the typical income allows

We start with a typical home in Camden, worth $265,300, 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 Camden, which is $63,576 a year. For that payment to be 28% of income, a household would need to earn about $90,417 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Camden. 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 $9,286 (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

$2,110

at 7.18% · 30 years

Loan amount
$260,494
Total interest
$374,790
Paid off in
November 2056

Includes $4,480 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,483 a month

  • Tight

    $1,483 to $1,907 a month

  • Hard

    more than $1,907 a month

    Your payment · 40%

Compared with the typical household income in Camden ($63,576 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$2,110
Principal & interest$1,765
Property tax$117
Home insurance$111
FHA mortgage insurance (MIP)$117

You need at least $9,286 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

Camden and Kershaw County

Camden is in Kershaw 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).

Camden's own numbers

Typical home value
$265,300
Typical monthly rent
$956
Typical yearly household income
$63,576
Households that own their home
69%
Effective property tax rate
0.53%

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

Numbers for all of Kershaw County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$954
Price change over 5 years (FHFA)
+56%
Homes in a high flood-risk zone
1.9%

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 Kershaw County.

Everything about Kershaw County

Buying

Buying a home in Camden

A typical home in Camden is worth $265,300: 22% above the county and 2% above South Carolina. With the typical household income in Camden ($63,576 a year), a typical home costs 4.2 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.

  • Camden 4.2 years
  • Kershaw 3.2 years
  • South Carolina 3.7 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Kershaw County

According to FHFA’s house price index, home prices in Kershaw County rose 85% in the 10 years through 2025.

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

Period County South Carolina U.S.
Last year (2025) +2.9% +3.6% +2.9%
5 years (2020–2025) +56% +60% +47%
10 years (2015–2025) +85% +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

Camden next to Kershaw 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
  • Camden $265,300
  • Kershaw $217,100
  • South Carolina $259,000
  • United States $332,700
Typical monthly rent
  • Camden $956
  • Kershaw $971
  • South Carolina $1,180
  • United States $1,413
Typical yearly household income
  • Camden $63,576
  • Kershaw $68,231
  • South Carolina $69,324
  • United States $80,734
See the full table
Camden next to Kershaw County and South Carolina
Measure Camden Kershaw County South Carolina U.S.
Typical home value $265,300 $217,100 $259,000 $332,700
Typical monthly rent $956 $971 $1,180 $1,413
Typical yearly household income $63,576 $68,231 $69,324 $80,734
Households that own their home 69% 82% 72% 65%
Typical yearly property tax $1,408 $1,013 $1,251 $3,119
Effective property tax rate 0.53% 0.47% 0.48% 0.94%
Renters with high rent for their income 65% 55% 52% 51%

“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Kershaw 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 Camden

For a typical $265,300 home in Camden, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Camden's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $2,110a month

    Least cash to close
    Down payment
    $9,286
    Cash to close
    $17,245
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $117

  • Conventional, 5% down $2,061a month

    Down payment
    $13,265
    Cash to close
    $21,224
    Rate
    7.18%
    Mortgage insurance
    PMI · $126

  • Conventional, 20% down, no PMI $1,666a month

    Down payment
    $53,060
    Cash to close
    $61,019
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $1,911a month

    Down payment
    $39,795
    Cash to close
    $47,754
    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 Camden and for Kershaw County.

Property tax

Effective rate in Camden

0.53%of the home’s value each year

$1,408 a year for the typical owner in Camden.

  • Camden 0.53%
  • Kershaw 0.47%
  • 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 Kershaw County

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

Homes in the high-risk zone
1.9%
539
Of those, with NFIP insurance
37%
County South Carolina U.S.
Homes in the high-risk zone 1.9% 4% 3.5%
Of those, with NFIP insurance 37% 85% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Camden

Typical rent in Camden is $956 a month: about the same as the county. In Camden, 65% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Kershaw County, by unit size. To pay the 2-bedroom one ($954 a month) without spending more than 30% of your income, you would need to earn $18.35 an hour working full time.

HUD fair market rent for all of Kershaw 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 $841 $16.17 $33,640
1 bedroom $843 $16.21 $33,720
2 bedrooms $954 $18.35 $38,160
3 bedrooms $1,156 $22.23 $46,240
4 bedrooms $1,465 $28.17 $58,600

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 Camden

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Camden is in ZIP code 29020.

For 2 bedrooms it is $930: $24 less than the fair market rent for Kershaw County ($954).

  • 29020 $930$1,130

1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Camden 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?

Low-income apartments

Low-income apartments in Camden

HUD lists 10 buildings with rents for lower incomes in Camden. These are the largest.

  • Steeplechase Apts 1801 Hasty Rd, Camden 29020 94 low-income homes · 1 bd: 24 · 2 bd: 70 · In service since 2010
  • Rivers Edge Apartments 900 Wateree Blvd, Camden 29020 80 low-income homes · For families (803) 432-1970
  • Rivers Edge Apts 971 Wateree Blvd, Camden 29020 80 low-income homes · 1 bd: 12 · 2 bd: 34 · 3 bd: 28 · 4 bd: 6 · In service since 2013 · For families
  • Cedarbrook Apartments 819 W Dekalb St, Camden 29020 60 low-income homes · 2 bd: 42 · 3 bd: 18 · In service since 2017 · For families
  • Trinity Methodist Church Apts. Inc. 401 Church St, Camden 29020 50 low-income homes · For families (803) 732-6792

See all 16 buildings in Kershaw County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Camden

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.

We found no HUD-approved agencies with an office in Kershaw County. The nearest ones are below; many serve by phone or online.

A man shakes hands with the specialist who helped him with his loan, in the kitchen of his new home.

HUD counseling is free or low-cost

Assistance programs in Camden

1 program is for Camden or Kershaw County, by its own record: they come first, each with what its official page says about being open. The ones below are statewide in South Carolina: they work in Camden the same as in the rest of the state.

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

  • County First Initiative

    For Kershaw County

    South Carolina state agency rural initiative for certain counties: an FHA, USDA or VA mortgage at a special fixed rate with forgivable down payment assistance, for first-time buyers and for people who have owned a home before. Offered by SC Housing (South Carolina State Housing Finance and Development Authority).

    Forgivable

    See the program Official page

  • 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 Camden

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

  • NSC (naca Counseling Subsidiary) - Columbia, SC

    810 Dutch Square Blvd Suite 220, Columbia · 32 miles away · Spanish

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 5 more
    (803) 255-0223

  • City of Florence

    324 W Evans St, Florence · 48 miles away

    • Fair housing pre-purchase workshops
    • Pre-purchase counseling
    • and 2 more
    (843) 665-3175

  • Southeastern Housing & Community Development Fka Southeastern Housing Foundation

    986 Doyle St, Orangeburg · 55 miles away

    • Budget and financial counseling
    • Fair housing pre-purchase workshops
    • and 3 more
    (803) 534-9950

All counseling agencies in South Carolina

Help in Spanish near Camden

1 of the 3 agencies on this list says it serves 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 Camden

HUD lists no housing authority with an office in Kershaw County. One in a neighboring county or the state’s may serve the area.

All housing agencies in South Carolina Source: HUD

Cities

Other cities in Kershaw County

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

Everything about Kershaw County Housing in South Carolina

Nearby cities

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

Neighboring counties

If Kershaw 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 Camden.

All guides
A mother holds hands with her two daughters on the beach at sunset.

Questions

Housing questions about Camden

Short answers with the numbers for Camden and all of Kershaw 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 Camden?

The typical home value in Camden is $265,300, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Kershaw County it is $217,100.

How much does it cost to rent in Camden?

Typical rent in Camden is $956 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Kershaw County is $954.

What is the FHA loan limit in Camden?

Camden uses the FHA limit for all of Kershaw 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 Camden?

The typical homeowner in Camden pays $1,408 a year, according to the U.S. Census Bureau. That is 0.53% of the home’s value; in Kershaw County, the rate is 0.47%.

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

We found no HUD-approved counseling agencies with an office in Kershaw County; the nearest ones are on this page. 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).