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City · 30,775 residents · York County, South Carolina

Fort Mill , South Carolina

In Fort Mill, a typical home is worth $487,500 and typical rent is $1,503 a month. Compared with all of York County, typical household income is 37% higher, the typical home value is 35% higher, and the share of households that own their home is 9 points higher.

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  • Typical home value

    $487,500

    35% above the county

    88% above South Carolina

    • Fort Mill
    • York
    • South Carolina

  • Typical rent

    $1,503a month

    8% above the county

    27% above South Carolina

    • Fort Mill
    • York
    • South Carolina

  • Typical household income

    $121,823a year

    37% above the county

    76% above South Carolina

    • Fort Mill
    • York
    • South Carolina

  • Households that own their home

    83%

    9 points above the county

    12 points above South Carolina

    • Fort Mill
    • York
    • South Carolina

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

Market now, with Zillow data

Zillow data
Typical home value
$519,103
1.6% less than 12 months ago
Typical rent
$1,748 a month
3.1% more than 12 months ago

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

Fort Mill is in York 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 York County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Fort Mill apart

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

  1. Nearby, in York, the typical home value is $198,600: 59% less than in Fort Mill ($487,500).

  2. Fort Mill has the 4th highest typical household income of the 101 cities in South Carolina with more than 5,000 people ($121,823).

  3. Nearby, in Clover, the typical rent is $841: 44% less than in Fort Mill ($1,503).

  4. The typical home in Fort Mill is worth $487,500, 35% more than in York County as a whole ($361,300).

  5. 83% of households in Fort Mill own their home, against 75% in York County.

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

The homes here

Housing in Fort Mill

What homes there are in Fort Mill, 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 rules in Fort Mill: 78% of homes, more than in York County (69%).

Year built

Here half of the homes date from 2011 or later; in York County, from 2000 or later.

Homes in Fort Mill are bigger: 79% have 3 bedrooms or more; in York County, 73%.

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

$2,201 a month

York County: $1,768 a month

Without a mortgage

$612 a month

York County: $459 a month

Owners with a mortgage

75%

York County: 68%

In Fort Mill, 75% of owners have a mortgage, and their typical cost is $2,201 a month, against $1,768 in York County. Without one it drops to $612.

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

From 2015–2019 to 2020–2024, the typical home value in Fort Mill rose 69%; in York County, it rose 80%.

Rents in Fort Mill rose at about the same pace as in York County: 40% since 2015–2019, against 42%.

The typical household income in Fort Mill rose 34%: less than home values (+69%) and rent (+40%).

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

MeasureFort MillYork CountySouth CarolinaUnited States
Rental vacancy Unreliable estimate4.7%8.3%5.5%
Homeowner vacancy Unreliable estimate0.6%0.9%0.9%
More than one person per room Unreliable estimate1.7%2.0%3.4%
People per household 2.762.552.442.53
Drive alone 66%73%76%69%
Carpool 4%7%9%9%
Public transit Unreliable estimate0%0%3%
Walk or bike Unreliable estimate2%2%3%
Work from home 28%18%12%15%
Other means Unreliable estimate1%2%2%
Typical commute 20 to 29 minutes20 to 29 minutes20 to 29 minutes20 to 29 minutes

More people live in each home here: 2.76 on average, against 2.55 in York County.

In Fort Mill, 28% of workers work from home, more than in York County (18%).

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 Fort Mill?

A typical home costs more than the typical income allows

We start with a typical home in Fort Mill, worth $487,500, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 39% of the typical household income in Fort Mill, which is $121,823 a year. For that payment to be 28% of income, a household would need to earn about $168,931 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Fort Mill. 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 $17,063 (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

$3,942

at 7.18% · 30 years

Loan amount
$478,670
Total interest
$688,693
Paid off in
November 2056

Includes $8,233 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $2,843 a month

  • Tight

    $2,843 to $3,655 a month

  • Hard

    more than $3,655 a month

    Your payment · 39%

Compared with the typical household income in Fort Mill ($121,823 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$3,942
Principal & interest$3,243
Property tax$280
Home insurance$203
FHA mortgage insurance (MIP)$216

You need at least $17,063 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

Fort Mill and York County

Fort Mill is in York 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).

Fort Mill's own numbers

Typical home value
$487,500
Typical monthly rent
$1,503
Typical yearly household income
$121,823
Households that own their home
83%
Effective property tax rate
0.69%

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

Numbers for all of York County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,785
Price change over 5 years (FHFA)
+63%
Homes in a high flood-risk zone
0.3%

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 York County.

Everything about York County

Buying

Buying a home in Fort Mill

A typical home in Fort Mill is worth $487,500: 35% above the county and 88% above South Carolina. With the typical household income in Fort Mill ($121,823 a year), a typical home costs 4.0 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.

  • Fort Mill 4.0 years
  • York 4.1 years
  • South Carolina 3.7 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in York County

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

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

Period County South Carolina U.S.
Last year (2025) +2.5% +3.6% +2.9%
5 years (2020–2025) +63% +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

Fort Mill next to York 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
  • Fort Mill $487,500
  • York $361,300
  • South Carolina $259,000
  • United States $332,700
Typical monthly rent
  • Fort Mill $1,503
  • York $1,387
  • South Carolina $1,180
  • United States $1,413
Typical yearly household income
  • Fort Mill $121,823
  • York $89,095
  • South Carolina $69,324
  • United States $80,734
See the full table
Fort Mill next to York County and South Carolina
Measure Fort Mill York County South Carolina U.S.
Typical home value $487,500 $361,300 $259,000 $332,700
Typical monthly rent $1,503 $1,387 $1,180 $1,413
Typical yearly household income $121,823 $89,095 $69,324 $80,734
Households that own their home 83% 75% 72% 65%
Typical yearly property tax $3,385 $1,740 $1,251 $3,119
Effective property tax rate 0.69% 0.48% 0.48% 0.94%
Renters with high rent for their income 55% 51% 52% 51%

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

For a typical $487,500 home in Fort Mill, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Fort Mill's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $3,942a month

    Least cash to close
    Down payment
    $17,063
    Cash to close
    $31,688
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $216

  • Conventional, 5% down $3,852a month

    Down payment
    $24,375
    Cash to close
    $39,000
    Rate
    7.18%
    Mortgage insurance
    PMI · $232

  • Conventional, 20% down, no PMI $3,125a month

    Down payment
    $97,500
    Cash to close
    $112,125
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $3,576a month

    Down payment
    $73,125
    Cash to close
    $87,750
    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 Fort Mill and for York County.

Property tax

Effective rate in Fort Mill

0.69%of the home’s value each year

$3,385 a year for the typical owner in Fort Mill.

  • Fort Mill 0.69%
  • York 0.48%
  • 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 York County

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

Homes in the high-risk zone
0.3%
273
Of those, with NFIP insurance
48%
County South Carolina U.S.
Homes in the high-risk zone 0.3% 4% 3.5%
Of those, with NFIP insurance 48% 85% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Fort Mill

Typical rent in Fort Mill is $1,503 a month: 8% above the county. In Fort Mill, 55% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of York County, by unit size. To pay the 2-bedroom one ($1,785 a month) without spending more than 30% of your income, you would need to earn $34.33 an hour working full time.

HUD fair market rent for all of York 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 $1,574 $30.27 $62,960
1 bedroom $1,640 $31.54 $65,600
2 bedrooms $1,785 $34.33 $71,400
3 bedrooms $2,179 $41.90 $87,160
4 bedrooms $2,773 $53.33 $110,920

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 Fort Mill

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Fort Mill is in ZIP code 29715.

For 2 bedrooms it is $1,880: $95 more than the fair market rent for York County ($1,785).

  • 29715 $1,880$2,300

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

HUD lists 4 buildings with rents for lower incomes in Fort Mill. These are the largest.

  • Bozeman Drive 105 Bozeman Dr, Fort Mill 29715 141 low-income homes · For families (803) 431-2784
  • Forest Ridge 2300 Forest Ridge Dr, Fort Mill 29715 135 low-income homes · 3 bd: 135 · In service since 1996
  • Avery Lake Apts 200 Starnes Point Ct, Fort Mill 29715 48 low-income homes · 2 bd: 28 · 3 bd: 20 · In service since 1996
  • Glenwood Falls Apts 917 Archie St, Fort Mill 29715 48 low-income homes · 2 bd: 32 · 3 bd: 16 · In service since 2004

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

Free help

Help to buy or rent in Fort Mill

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 York 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 Fort Mill

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

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

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

    430 E Main St, Spartanburg · 56 miles away

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

  • Telamon Corporation - Greenville Branch

    300A S Daniel Morgan Ave, Spartanburg · 57 miles away

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

  • NSC (naca Counseling Subsidiary) - Columbia, SC

    810 Dutch Square Blvd Suite 220, Columbia · 68 miles away · Spanish

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

All counseling agencies in South Carolina

Help in Spanish near Fort Mill

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 Fort Mill

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

  • Housing Authority of Fort Mill Public housing and Section 8 vouchers (803) 547-6787

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

Cities

Other cities in York County

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

Everything about York County Housing in South Carolina

Nearby cities

The cities closest to Fort Mill, with the typical home value.

Neighboring counties

If York 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 Fort Mill.

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

Questions

Housing questions about Fort Mill

Short answers with the numbers for Fort Mill and all of York 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 Fort Mill?

The typical home value in Fort Mill is $487,500, according to the U.S. Census Bureau (average 2020–2024). For comparison, in York County it is $361,300.

How much does it cost to rent in Fort Mill?

Typical rent in Fort Mill is $1,503 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in York County is $1,785.

What is the FHA loan limit in Fort Mill?

Fort Mill uses the FHA limit for all of York 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 Fort Mill?

The typical homeowner in Fort Mill pays $3,385 a year, according to the U.S. Census Bureau. That is 0.69% of the home’s value; in York County, the rate is 0.48%.

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

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