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City · 8,565 residents · Georgetown County, South Carolina

Georgetown , South Carolina

In Georgetown, a typical home is worth $168,100 and typical rent is $780 a month. Compared with all of Georgetown County, the typical home value is 42% lower, typical rent is 35% lower, and the share of households that own their home is 12 points lower.

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  • Typical home value

    $168,100

    42% below the county

    35% below South Carolina

    • Georgetown
    • County
    • South Carolina

  • Typical rent

    $780a month

    35% below the county

    34% below South Carolina

    • Georgetown
    • County
    • South Carolina

  • Typical household income

    $56,981a year

    17% below the county

    18% below South Carolina

    • Georgetown
    • County
    • South Carolina

  • Households that own their home

    72%

    12 points below the county

    About the same as South Carolina

    • Georgetown
    • County
    • South Carolina

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

Market now, with Zillow data

Zillow data
Typical home value
$247,917
0.7% less than 12 months ago

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

Georgetown is in Georgetown 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 Georgetown County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Georgetown apart

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

  1. The typical home in Georgetown is worth $168,100, 42% less than in Georgetown County as a whole ($289,500).

  2. The typical rent in Georgetown is $780 a month, 35% less than in Georgetown County as a whole ($1,204).

  3. 72% of households in Georgetown own their home, against 84% in Georgetown County.

  4. The typical household income in Georgetown is $56,981, 17% less than in Georgetown County as a whole ($68,713).

  5. Georgetown has the 9th largest share of rent-burdened renters of the 93 cities in South Carolina with more than 5,000 people (67%).

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

The homes here

Housing in Georgetown

What homes there are in Georgetown, 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 Georgetown County, most homes in Georgetown are detached houses (62%).

Year built

In Georgetown, half of the homes were built before 1977; in Georgetown County, before 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 88% of owner-occupied homes in Georgetown are worth less than $500,000, below the FHA loan limit for Georgetown County ($541,287).

Monthly rent with utilities

With a mortgage

$1,383 a month

Georgetown County: $1,490 a month

Without a mortgage

$468 a month

Georgetown County: $545 a month

Owners with a mortgage

42%

Georgetown County: 49%

In Georgetown, 42% of owners have a mortgage, and their typical cost is $1,383 a month, against $1,490 in Georgetown County. Without one it drops to $468.

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, home values in Georgetown moved so little that the Census cannot say whether they rose or fell.

Rent in Georgetown moved so little since 2015–2019 that the Census cannot say whether it rose or fell.

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

MeasureGeorgetownGeorgetown 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 estimate2.4%2.0%3.4%
People per household 2.352.372.442.53
Drive alone 76%77%76%69%
Carpool 15%9%9%9%
Public transit Unreliable estimateUnreliable estimate0%3%
Walk or bike Unreliable estimate1%2%3%
Work from home Unreliable estimate10%12%15%
Other means Unreliable estimate2%2%2%
Typical commute Unreliable estimate20 to 29 minutes20 to 29 minutes20 to 29 minutes

Much as in Georgetown County, a household in Georgetown has 2.35 people on average.

More people carpool to work in Georgetown than in Georgetown County: 15% against 9%.

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 Georgetown?

A typical home is tight for the typical income

We start with a typical home in Georgetown, worth $168,100, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 28% of the typical household income in Georgetown, which is $56,981 a year. For that payment to be 28% of income, a household would need to earn about $57,350 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Georgetown. 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 $5,884 (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

$1,338

at 7.18% · 30 years

Loan amount
$165,055
Total interest
$237,475
Paid off in
November 2056

Includes $2,839 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,330 a month

  • Tight

    $1,330 to $1,709 a month

    Your payment · 28%

  • Hard

    more than $1,709 a month

Compared with the typical household income in Georgetown ($56,981 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$1,338
Principal & interest$1,118
Property tax$76
Home insurance$70
FHA mortgage insurance (MIP)$74

You need at least $5,884 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

Georgetown and Georgetown County

Georgetown is in Georgetown 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).

Georgetown's own numbers

Typical home value
$168,100
Typical monthly rent
$780
Typical yearly household income
$56,981
Households that own their home
72%
Effective property tax rate
0.54%

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

Numbers for all of Georgetown County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,158
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 Georgetown County.

Everything about Georgetown County

Buying

Buying a home in Georgetown

A typical home in Georgetown is worth $168,100: 42% below the county and 35% below South Carolina. With the typical household income in Georgetown ($56,981 a year), a typical home costs 3.0 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.

  • Georgetown 3.0 years
  • County 4.2 years
  • South Carolina 3.7 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Georgetown County

According to FHFA’s house price index, home prices in Georgetown County rose 106% in the 10 years through 2025.

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

Period County South Carolina U.S.
Last year (2025) +3.1% +3.6% +2.9%
5 years (2020–2025) +65% +60% +47%
10 years (2015–2025) +106% +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

Georgetown next to Georgetown 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
  • Georgetown $168,100
  • County $289,500
  • South Carolina $259,000
  • United States $332,700
Typical monthly rent
  • Georgetown $780
  • County $1,204
  • South Carolina $1,180
  • United States $1,413
Typical yearly household income
  • Georgetown $56,981
  • County $68,713
  • South Carolina $69,324
  • United States $80,734
See the full table
Georgetown next to Georgetown County and South Carolina
Measure Georgetown Georgetown County South Carolina U.S.
Typical home value $168,100 $289,500 $259,000 $332,700
Typical monthly rent $780 $1,204 $1,180 $1,413
Typical yearly household income $56,981 $68,713 $69,324 $80,734
Households that own their home 72% 84% 72% 65%
Typical yearly property tax $908 $1,190 $1,251 $3,119
Effective property tax rate 0.54% 0.41% 0.48% 0.94%
Renters with high rent for their income 67% 59% 52% 51%

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

For a typical $168,100 home in Georgetown, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Georgetown's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $1,338a month

    Least cash to close
    Down payment
    $5,884
    Cash to close
    $10,927
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $74

  • Conventional, 5% down $1,307a month

    Down payment
    $8,405
    Cash to close
    $13,448
    Rate
    7.18%
    Mortgage insurance
    PMI · $80

  • Conventional, 20% down, no PMI $1,057a month

    Down payment
    $33,620
    Cash to close
    $38,663
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $1,212a month

    Down payment
    $25,215
    Cash to close
    $30,258
    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 Georgetown and for Georgetown County.

Property tax

Effective rate in Georgetown

0.54%of the home’s value each year

$908 a year for the typical owner in Georgetown.

  • Georgetown 0.54%
  • County 0.41%
  • 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 Georgetown County

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

FEMA’s maps count no homes in the high-risk zone in Georgetown 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 Georgetown

Typical rent in Georgetown is $780 a month: 35% below the county. In Georgetown, 67% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Georgetown County, by unit size. To pay the 2-bedroom one ($1,158 a month) without spending more than 30% of your income, you would need to earn $22.27 an hour working full time.

HUD fair market rent for all of Georgetown 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 $842 $16.19 $33,680
1 bedroom $885 $17.02 $35,400
2 bedrooms $1,158 $22.27 $46,320
3 bedrooms $1,380 $26.54 $55,200
4 bedrooms $1,936 $37.23 $77,440

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 Georgetown

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Georgetown is in ZIP code 29440.

For 2 bedrooms it is $1,090: $68 less than the fair market rent for Georgetown County ($1,158).

  • 29440 $1,090$1,300

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

HUD lists 9 buildings with rents for lower incomes in Georgetown. These are the largest.

  • Westside Apts 1 McCaffrey Ct, Georgetown 29440 180 homes, 179 low-income · Run by Housing Authority of Georgetown · Average payment: $388 a month · Average wait: 28 months (843) 546-9621
  • Maryville South Apts 34 Hinds St, Georgetown 29440 115 homes, 114 low-income · Run by Housing Authority of Georgetown · Average payment: $424 a month · Average wait: 24 months (843) 546-9621
  • Georgetown Landing Apts 2107 Lincoln St, Georgetown 29440 48 low-income homes · 2 bd: 24 · 3 bd: 24 · In service since 2007
  • Plantation Apts 185 Montford Dr, Georgetown 29440 48 low-income homes · 1 bd: 8 · 2 bd: 24 · 3 bd: 16 · In service since 2010
  • Millner Elderly Housing, Inc. 200 Montford Dr, Georgetown 29440 48 homes, 47 low-income · For older adults (843) 527-1137

See all 13 buildings in Georgetown County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Georgetown

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

A man listens closely, seated at a meeting table.

HUD counseling is free or low-cost

Assistance programs in Georgetown

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

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

  • County First Initiative

    For Georgetown 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 Georgetown

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

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

    8570 Rivers Ave, North Charleston · 52 miles away · Spanish

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

  • Origin SC

    8084 Rivers Ave, North Charleston · 53 miles away

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

  • NSC (naca Counseling Subsidiary) - Charleston, SC

    7301 Rivers Ave, North Charleston · 53 miles away · Spanish

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 5 more
    (425) 602-6222

All counseling agencies in South Carolina

Help in Spanish near Georgetown

2 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 Georgetown

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

  • Housing Authority of Georgetown Public housing and Section 8 vouchers (843) 546-9621

All housing agencies in South Carolina Source: HUD

Cities

Other cities in Georgetown County

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

Everything about Georgetown County Housing in South Carolina

Nearby cities

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

Neighboring counties

If Georgetown 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 Georgetown.

All guides
A family walks a boardwalk trail in the forest; one of them uses a wheelchair.

Questions

Housing questions about Georgetown

Short answers with the numbers for Georgetown and all of Georgetown 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 Georgetown?

The typical home value in Georgetown is $168,100, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Georgetown County it is $289,500.

How much does it cost to rent in Georgetown?

Typical rent in Georgetown is $780 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Georgetown County is $1,158.

What is the FHA loan limit in Georgetown?

Georgetown uses the FHA limit for all of Georgetown 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 Georgetown?

The typical homeowner in Georgetown pays $908 a year, according to the U.S. Census Bureau. That is 0.54% of the home’s value; in Georgetown County, the rate is 0.41%.

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

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