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City · 13,741 residents · Lexington County, South Carolina

Cayce , South Carolina

In Cayce, a typical home is worth $166,800 and typical rent is $1,360 a month. Compared with all of Lexington County, the typical home value is 29% lower, typical household income is 20% lower, and the share of households that own their home is 17 points lower.

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  • Typical home value

    $166,800

    29% below the county

    36% below South Carolina

    • Cayce
    • Lexington
    • South Carolina

  • Typical rent

    $1,360a month

    15% above the county

    15% above South Carolina

    • Cayce
    • Lexington
    • South Carolina

  • Typical household income

    $62,045a year

    20% below the county

    10% below South Carolina

    • Cayce
    • Lexington
    • South Carolina

  • Households that own their home

    61%

    17 points below the county

    11 points below South Carolina

    • Cayce
    • Lexington
    • South Carolina

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

Market now, with Zillow data

Zillow data
Typical home value
$210,444
2.8% more than 12 months ago
Typical rent
$1,462 a month
3.3% more than 12 months ago

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

Cayce is in Lexington 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 Lexington County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Cayce apart

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

  1. 61% of households in Cayce own their home, against 77% in Lexington County.

  2. The typical home in Cayce is worth $166,800, 29% less than in Lexington County as a whole ($234,500).

  3. Nearby, in Oak Grove, the typical rent is $1,045: 23% less than in Cayce ($1,360).

  4. The typical household income in Cayce is $62,045, 20% less than in Lexington County as a whole ($77,408).

  5. The typical rent in Cayce is $1,360 a month, 15% more than in Lexington County as a whole ($1,178).

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

The homes here

Housing in Cayce

What homes there are in Cayce, 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

As in Lexington County, most homes in Cayce are detached houses (71%).

Year built

Homes in Cayce are older: the typical year built is 1969; in Lexington County, 1993.

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

At least 98% of owner-occupied homes in Cayce are worth less than $500,000, below the FHA loan limit for Lexington County ($541,287).

Monthly rent with utilities

With a mortgage

$1,099 a month

Lexington County: $1,403 a month

Without a mortgage

$427 a month

Lexington County: $422 a month

Owners with a mortgage

51%

Lexington County: 63%

The typical cost for an owner with a mortgage in Cayce is $1,099 a month, less than in Lexington County ($1,403); without one, $427.

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

Homes in Cayce gained value more slowly than in Lexington County: 28% since 2015–2019, against 49%.

Rents in Cayce rose faster than in Lexington County: 36% since 2015–2019, against 29%.

Here income did not keep up with housing: it rose 18%, while home values changed +28% and rent +36%.

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

MeasureCayceLexington CountySouth CarolinaUnited States
Rental vacancy Unreliable estimate4.0%8.3%5.5%
Homeowner vacancy Unreliable estimate0.4%0.9%0.9%
More than one person per room Unreliable estimate1.9%2.0%3.4%
People per household 2.092.482.442.53
Drive alone 85%77%76%69%
Carpool 9%9%9%9%
Public transit Unreliable estimateUnreliable estimate0%3%
Walk or bike Unreliable estimate1%2%3%
Work from home 6%12%12%15%
Other means Unreliable estimate1%2%2%
Typical commute 10 to 19 minutes20 to 29 minutes20 to 29 minutes20 to 29 minutes

Fewer people live in each home here: 2.09 on average, against 2.48 in Lexington County.

The car rules in Cayce: 85% of workers drive to work alone, and the typical trip takes 10 to 19 minutes.

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 Cayce?

A typical home is within reach of the typical income

We start with a typical home in Cayce, worth $166,800, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 26% of the typical household income in Cayce, which is $62,045 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Cayce. 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 $5,838 (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

$1,324

at 7.18% · 30 years

Loan amount
$163,779
Total interest
$235,639
Paid off in
November 2056

Includes $2,817 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,448 a month

    Your payment · 26%

  • Tight

    $1,448 to $1,861 a month

  • Hard

    more than $1,861 a month

Compared with the typical household income in Cayce ($62,045 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$1,324
Principal & interest$1,109
Property tax$71
Home insurance$70
FHA mortgage insurance (MIP)$74

You need at least $5,838 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

Cayce and Lexington County

Cayce is in Lexington 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).

Cayce's own numbers

Typical home value
$166,800
Typical monthly rent
$1,360
Typical yearly household income
$62,045
Households that own their home
61%
Effective property tax rate
0.51%

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

Numbers for all of Lexington County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,226
Price change over 5 years (FHFA)
+60%
Homes in a high flood-risk zone
1.2%

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 Lexington County.

Everything about Lexington County

Buying

Buying a home in Cayce

A typical home in Cayce is worth $166,800: 29% below the county and 36% below South Carolina. With the typical household income in Cayce ($62,045 a year), a typical home costs 2.7 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.

  • Cayce 2.7 years
  • Lexington 3.0 years
  • South Carolina 3.7 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Lexington County

According to FHFA’s house price index, home prices in Lexington County rose 94% in the 10 years through 2025.

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

Period County South Carolina U.S.
Last year (2025) +3.7% +3.6% +2.9%
5 years (2020–2025) +60% +60% +47%
10 years (2015–2025) +94% +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

Cayce next to Lexington 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
  • Cayce $166,800
  • Lexington $234,500
  • South Carolina $259,000
  • United States $332,700
Typical monthly rent
  • Cayce $1,360
  • Lexington $1,178
  • South Carolina $1,180
  • United States $1,413
Typical yearly household income
  • Cayce $62,045
  • Lexington $77,408
  • South Carolina $69,324
  • United States $80,734
See the full table
Cayce next to Lexington County and South Carolina
Measure Cayce Lexington County South Carolina U.S.
Typical home value $166,800 $234,500 $259,000 $332,700
Typical monthly rent $1,360 $1,178 $1,180 $1,413
Typical yearly household income $62,045 $77,408 $69,324 $80,734
Households that own their home 61% 77% 72% 65%
Typical yearly property tax $843 $1,151 $1,251 $3,119
Effective property tax rate 0.51% 0.49% 0.48% 0.94%
Renters with high rent for their income 49% 48% 52% 51%

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

For a typical $166,800 home in Cayce, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Cayce's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $1,324a month

    Least cash to close
    Down payment
    $5,838
    Cash to close
    $10,842
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $74

  • Conventional, 5% down $1,293a month

    Down payment
    $8,340
    Cash to close
    $13,344
    Rate
    7.18%
    Mortgage insurance
    PMI · $79

  • Conventional, 20% down, no PMI $1,044a month

    Down payment
    $33,360
    Cash to close
    $38,364
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $1,199a month

    Down payment
    $25,020
    Cash to close
    $30,024
    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 Cayce and for Lexington County.

Property tax

Effective rate in Cayce

0.51%of the home’s value each year

$843 a year for the typical owner in Cayce.

  • Cayce 0.51%
  • Lexington 0.49%
  • 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 Lexington County

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

Homes in the high-risk zone
1.2%
1,395
Of those, with NFIP insurance
67%
County South Carolina U.S.
Homes in the high-risk zone 1.2% 4% 3.5%
Of those, with NFIP insurance 67% 85% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Cayce

Typical rent in Cayce is $1,360 a month: 15% above the county. In Cayce, 49% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Lexington County, by unit size. To pay the 2-bedroom one ($1,226 a month) without spending more than 30% of your income, you would need to earn $23.58 an hour working full time.

HUD fair market rent for all of Lexington 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 $992 $19.08 $39,680
1 bedroom $1,126 $21.65 $45,040
2 bedrooms $1,226 $23.58 $49,040
3 bedrooms $1,546 $29.73 $61,840
4 bedrooms $1,754 $33.73 $70,160

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 Cayce

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

For 2 bedrooms it runs from $1,330 in 29209 to $1,390 in 29033.

2 of the 2 are above the fair market rent for Lexington County ($1,226).

  • 29033 $1,390$1,750
  • 29209 $1,330$1,680

2 of these ZIP codes cross the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Cayce 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 Cayce

HUD lists 6 buildings with rents for lower incomes in Cayce. These are the largest.

  • Abbott Arms Apartments 2011 Wilkinson St, Cayce 29033 97 low-income homes · For families (803) 796-3456
  • Cayce 1202 Lucas St, Cayce 29033 40 low-income homes · Run by Housing Authority of the City of Cayce · Average payment: $352 a month · Average wait: 27 months · Homes at several sites (803) 254-3886
  • Gault Grove Apts. 1010 Hafley Ct, Cayce 29033 20 low-income homes · For people with disabilities (803) 786-1844
  • Williams Place 2201 Commerce Dr, Cayce 29033 14 low-income homes · For people with disabilities (803) 779-5363
  • Middle ST Apts 1522 Middle St, Cayce 29033 3 low-income homes · 3 bd: 3 · In service since 1990

See all 30 buildings in Lexington County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Cayce

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 Lexington County. The nearest ones are below; many serve by phone or online.

A grandmother smiles, seated at home.

HUD counseling is free or low-cost

Assistance programs in Cayce

No down payment, repair or rent-help program on our list is for Cayce or Lexington County. The ones below are statewide in South Carolina: they work in Cayce 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 Cayce

The HUD-approved agencies closest to the center of Cayce, 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 · 7 miles away · Spanish

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

  • New America Corporation

    1136 Russell St, Orangeburg · 33 miles away

    • Pre-purchase counseling
    • Homebuyer education workshops
    (803) 534-0035

  • Southeastern Housing & Community Development Fka Southeastern Housing Foundation

    986 Doyle St, Orangeburg · 33 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 Cayce

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 Cayce

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

One other authority has an office in Lexington County: see the list Source: HUD

Cities

Other cities in Lexington County

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

Everything about Lexington County Housing in South Carolina

Nearby cities

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

Neighboring counties

If Lexington 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 Cayce.

All guides
A couple spread mulch under the avocado trees of their family orchard, he on the tractor and she with a shovel.

Questions

Housing questions about Cayce

Short answers with the numbers for Cayce and all of Lexington 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 Cayce?

The typical home value in Cayce is $166,800, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Lexington County it is $234,500.

How much does it cost to rent in Cayce?

Typical rent in Cayce is $1,360 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Lexington County is $1,226.

What is the FHA loan limit in Cayce?

Cayce uses the FHA limit for all of Lexington 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 Cayce?

The typical homeowner in Cayce pays $843 a year, according to the U.S. Census Bureau. That is 0.51% of the home’s value; in Lexington County, the rate is 0.49%.

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

We found no HUD-approved counseling agencies with an office in Lexington 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).