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City · 27,263 residents · Horry County, South Carolina

Conway , South Carolina

In Conway, a typical home is worth $260,900 and typical rent is $866 a month. Compared with all of Horry County, typical rent is 31% lower, typical household income is 15% lower, and the share of households that own their home is 12 points lower.

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  • Typical home value

    $260,900

    9% below the county

    About the same as South Carolina

    • Conway
    • Horry
    • South Carolina

  • Typical rent

    $866a month

    31% below the county

    27% below South Carolina

    • Conway
    • Horry
    • South Carolina

  • Typical household income

    $56,650a year

    15% below the county

    18% below South Carolina

    • Conway
    • Horry
    • South Carolina

  • Households that own their home

    65%

    12 points below the county

    7 points below South Carolina

    • Conway
    • Horry
    • South Carolina

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

Market now, with Zillow data

Zillow data
Typical home value
$288,118
about the same as 12 months ago
Typical rent
$1,826 a month
2.2% more than 12 months ago

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

Conway is in Horry 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 Horry County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Conway apart

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

  1. The typical rent in Conway is $866 a month, 31% less than in Horry County as a whole ($1,255).

  2. 65% of households in Conway own their home, against 77% in Horry County.

  3. The typical household income in Conway is $56,650, 15% less than in Horry County as a whole ($66,880).

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

The homes here

Housing in Conway

What homes there are in Conway, 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

Detached houses, standing on their own, make up 74% of homes here, against 53% in Horry County.

Year built

By age, homes in Conway look like those in Horry County: the typical year built is 2001.

There is more room for a big family here: 77% of homes have 3 bedrooms or more, against 67% in Horry County.

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

About 94% of owner-occupied homes in Conway are worth less than the FHA loan limit for Horry County ($541,287).

Monthly rent with utilities

By rent, most homes in Conway cost less than HUD's 2-bedroom fair market rent ($1,504): about 82%.

With a mortgage

$1,341 a month

Horry County: $1,446 a month

Without a mortgage

$440 a month

Horry County: $481 a month

Owners with a mortgage

65%

Horry County: 55%

Owning costs less in Conway: with a mortgage, the typical cost is $1,341 a month; in Horry County, $1,446. Without one, $440.

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 Conway rose 68% since 2015–2019, more than in Horry County (59%).

The typical rent in Conway stayed about the same over that time: the difference is within the Census margin of error.

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

MeasureConwayHorry CountySouth CarolinaUnited States
Rental vacancy Unreliable estimate19.2%8.3%5.5%
Homeowner vacancy Unreliable estimate1.2%0.9%0.9%
More than one person per room Unreliable estimate1.4%2.0%3.4%
People per household 2.522.372.442.53
Drive alone 76%77%76%69%
Carpool 9%8%9%9%
Public transit Unreliable estimate1%0%3%
Walk or bike 4%1%2%3%
Work from home 7%11%12%15%
Other means Unreliable estimate3%2%2%
Typical commute 20 to 29 minutes20 to 29 minutes20 to 29 minutes20 to 29 minutes

More people live in each home here: 2.52 on average, against 2.37 in Horry County.

The car rules in Conway: 76% of workers drive to work alone, and the typical trip takes 20 to 29 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 Conway?

A typical home costs more than the typical income allows

We start with a typical home in Conway, worth $260,900, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 43% of the typical household income in Conway, which is $56,650 a year. For that payment to be 28% of income, a household would need to earn about $87,613 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Conway. 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 $9,132 (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

$2,044

at 7.18% · 30 years

Loan amount
$256,174
Total interest
$368,574
Paid off in
November 2056

Includes $4,406 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,322 a month

  • Tight

    $1,322 to $1,699 a month

  • Hard

    more than $1,699 a month

    Your payment · 43%

Compared with the typical household income in Conway ($56,650 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$2,044
Principal & interest$1,735
Property tax$85
Home insurance$109
FHA mortgage insurance (MIP)$115

You need at least $9,132 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

Conway and Horry County

Conway is in Horry 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).

Conway's own numbers

Typical home value
$260,900
Typical monthly rent
$866
Typical yearly household income
$56,650
Households that own their home
65%
Effective property tax rate
0.39%

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

Numbers for all of Horry County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,504
Price change over 5 years (FHFA)
+65%

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 Horry County.

Everything about Horry County

Buying

Buying a home in Conway

A typical home in Conway is worth $260,900: 9% below the county and about the same as South Carolina. With the typical household income in Conway ($56,650 a year), a typical home costs 4.6 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.

  • Conway 4.6 years
  • Horry 4.3 years
  • South Carolina 3.7 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Horry County

According to FHFA’s house price index, home prices in Horry County rose 107% in the 10 years through 2025.

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

Period County South Carolina U.S.
Last year (2025) +4.0% +3.6% +2.9%
5 years (2020–2025) +65% +60% +47%
10 years (2015–2025) +107% +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

Conway next to Horry 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
  • Conway $260,900
  • Horry $287,700
  • South Carolina $259,000
  • United States $332,700
Typical monthly rent
  • Conway $866
  • Horry $1,255
  • South Carolina $1,180
  • United States $1,413
Typical yearly household income
  • Conway $56,650
  • Horry $66,880
  • South Carolina $69,324
  • United States $80,734
See the full table
Conway next to Horry County and South Carolina
Measure Conway Horry County South Carolina U.S.
Typical home value $260,900 $287,700 $259,000 $332,700
Typical monthly rent $866 $1,255 $1,180 $1,413
Typical yearly household income $56,650 $66,880 $69,324 $80,734
Households that own their home 65% 77% 72% 65%
Typical yearly property tax $1,024 $944 $1,251 $3,119
Effective property tax rate 0.39% 0.33% 0.48% 0.94%
Renters with high rent for their income 52% 52% 52% 51%

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

For a typical $260,900 home in Conway, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Conway's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $2,044a month

    Least cash to close
    Down payment
    $9,132
    Cash to close
    $16,959
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $115

  • Conventional, 5% down $1,996a month

    Down payment
    $13,045
    Cash to close
    $20,872
    Rate
    7.18%
    Mortgage insurance
    PMI · $124

  • Conventional, 20% down, no PMI $1,607a month

    Down payment
    $52,180
    Cash to close
    $60,007
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $1,849a month

    Down payment
    $39,135
    Cash to close
    $46,962
    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 Conway and for Horry County.

Property tax

Effective rate in Conway

0.39%of the home’s value each year

$1,024 a year for the typical owner in Conway.

  • Conway 0.39%
  • Horry 0.33%
  • 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 Horry County

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

FEMA’s maps count no homes in the high-risk zone in Horry County. That does not mean it cannot flood: check your address.

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Conway

Typical rent in Conway is $866 a month: 31% below the county. In Conway, 52% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Horry County, by unit size. To pay the 2-bedroom one ($1,504 a month) without spending more than 30% of your income, you would need to earn $28.92 an hour working full time.

HUD fair market rent for all of Horry 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 $1,155 $22.21 $46,200
1 bedroom $1,258 $24.19 $50,320
2 bedrooms $1,504 $28.92 $60,160
3 bedrooms $1,823 $35.06 $72,920
4 bedrooms $1,981 $38.10 $79,240

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 Conway

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

For 2 bedrooms it is $1,320 in all of them.

None is above the fair market rent for Horry County ($1,504).

  • 29526 $1,320$1,630
  • 29527 $1,320$1,630

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

HUD lists 15 buildings with rents for lower incomes in Conway. These are the largest.

  • Huckabee Heights 2309 Leonard Ave, Conway 29527 140 low-income homes · Run by Housing Authority of Conway · Average payment: $539 a month · Average wait: 33 months (843) 248-7327
  • Darden Terrace 1133 Duckett St, Conway 29526 118 low-income homes · Run by Housing Authority of Conway · Average payment: $519 a month · Average wait: 21 months (843) 248-7327
  • Cornerstone Commons (LEGACY) 204 Legacy Way, Conway 29526 90 low-income homes · 2 bd: 42 · 3 bd: 48 · In service since 2011 · For families
  • Legacy Apts II 1001 Singleton Ridge Oad, Conway 29526 94 homes, 60 low-income · 2 bd: 36 · 3 bd: 58 · In service since 1999 · For people with disabilities, families
  • Bells Bay Landings 2321 Wright BLVD., Conway 29527 60 low-income homes · 3 bd: 48 · 4 bd: 12 · In service since 2000

See all 38 buildings in Horry County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Conway

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 Horry 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 Conway

1 program is for Conway or Horry 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 Conway the same as in the rest of the state.

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

  • County First Initiative

    For Horry 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 Conway

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

  • 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

  • Increasing H.o.p.e. Financial Training Center

    8570 Rivers Ave, North Charleston · 83 miles away · Spanish

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 4 more
    (843) 225-4343

  • Origin SC

    8084 Rivers Ave, North Charleston · 84 miles away

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 9 more
    (843) 628-3000

All counseling agencies in South Carolina

Help in Spanish near Conway

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 Conway

HUD’s record names them for Conway or Horry County. They run public housing or Section 8 vouchers. Ask whether their waiting list is open.

  • Housing Authority of Conway Public housing and Section 8 vouchers (843) 248-7327

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

Cities

Other cities in Horry County

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

Everything about Horry County Housing in South Carolina

Nearby cities

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

Neighboring counties

If Horry 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 Conway.

All guides
Three generations of a family gather on the porch of their home.

Questions

Housing questions about Conway

Short answers with the numbers for Conway and all of Horry 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 Conway?

The typical home value in Conway is $260,900, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Horry County it is $287,700.

How much does it cost to rent in Conway?

Typical rent in Conway is $866 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Horry County is $1,504.

What is the FHA loan limit in Conway?

Conway uses the FHA limit for all of Horry 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 Conway?

The typical homeowner in Conway pays $1,024 a year, according to the U.S. Census Bureau. That is 0.39% of the home’s value; in Horry County, the rate is 0.33%.

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

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