City · 48,078 residents · Berkeley County, South Carolina
Goose Creek, South Carolina
In Goose Creek, a typical home is worth $306,000 and typical rent is $1,690 a month. Compared with all of Berkeley County, the share of households that own their home is 6 points lower.
Typical home value from Zillow, September 2021 to September 2026: from $263,705 to $324,332.
Typical rent
$1,861a month
▲ 5.9% more than 12 months ago
Typical rent from Zillow, September 2021 to September 2026: from $1,321 to $1,861.
From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).
Goose Creek is in Berkeley County. The FHA loan limit ($690,000 for a one-unit home), the fair market rents and the help on this page are those of all of Berkeley County. See the county
What this place has that others do not, from public data, most unusual first.
1
Nearby, in Ladson, the typical home value is $234,900: 23% less than in Goose Creek ($306,000).
2
Nearby, in Hanahan, the typical rent is $1,412: 16% less than in Goose Creek ($1,690).
3
68% of households in Goose Creek own their home, against 75% in Berkeley County.
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Goose Creek
What homes there are in Goose Creek, 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 houseAttached houseBuilding of 2 to 4Apartments (5 or more)Mobile homeBoat, RV and otherUnreliable estimate
Goose Creek
Berkeley County
South Carolina
United States
Kind of home: Goose Creek and its comparisons
Measure
Goose Creek
Berkeley County
South Carolina
United States
Detached house
68%
66%
65%
61%
Attached house
9%
5%
4%
6%
Building of 2 to 4
4%
3%
5%
8%
Apartments (5 or more)
16%
13%
13%
19%
Mobile home
2%
14%
14%
6%
Boat, RV and other
Unreliable estimate
Unreliable estimate
0%
0%
As in Berkeley County, most homes in Goose Creek are detached houses (68%).
Year built
Before 19601960–19791980–19992000–20092010 or later
Goose Creek
Berkeley County
South Carolina
United States
Year built: Goose Creek and its comparisons
Measure
Goose Creek
Berkeley County
South Carolina
United States
Before 1960
3%
4%
12%
26%
1960–1979
13%
16%
21%
24%
1980–1999
30%
27%
31%
25%
2000–2009
23%
22%
18%
14%
2010 or later
31%
32%
19%
11%
In Goose Creek, half of the homes were built before 2002; in Berkeley County, before 2002.
There is more room for a big family here: 78% of homes have 3 bedrooms or more, against 75% in Berkeley County.
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Under the limitOver the limitUnreliable estimate
Under $100K3%
$100K–$200K8%
$200K–$300K37%
$300K–$500K44%
$500K–$750K6%
FHA limit: $690,000
$750K–$1MUnreliable
$1M or moreUnreliable
Value of owner-occupied homes: Goose Creek and its comparisons
Measure
Goose Creek
Under $100K
3%
$100K–$200K
8%
$200K–$300K
37%
$300K–$500K
44%
$500K–$750K
6%
$750K–$1M
Unreliable estimate
$1M or more
Unreliable estimate
By price, most homes in Goose Creek sit under the FHA limit for Berkeley County ($690,000): about 97%.
Monthly rent with utilities
Unreliable estimate
Under $500Unreliable
$500–$999Unreliable
$1,000–$1,49928%
$1,500–$1,99942%
$2,000–$2,49920%
$2,500–$2,9994%
$3,000 or moreUnreliable
Monthly rent with utilities: Goose Creek and its comparisons
Measure
Goose Creek
Under $500
Unreliable estimate
$500–$999
Unreliable estimate
$1,000–$1,499
28%
$1,500–$1,999
42%
$2,000–$2,499
20%
$2,500–$2,999
4%
$3,000 or more
Unreliable estimate
With a mortgage
$1,593 a month
Berkeley County: $1,681 a month
Without a mortgage
$512 a month
Berkeley County: $476 a month
Owners with a mortgage
72%
Berkeley County: 64%
The typical cost for an owner with a mortgage in Goose Creek is $1,593 a month, less than in Berkeley County ($1,681); without one, $512.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Goose Creek+63%
Berkeley County+67%
South Carolina+60%
United States+53%
Typical rent
Goose Creek+29%
Berkeley County+49%
South Carolina+32%
United States+33%
Typical household income
Goose Creek+28%
Berkeley County+33%
South Carolina+30%
United States+29%
Change since 2015–2019: Goose Creek and its comparisons
Measure
Goose Creek
Berkeley County
South Carolina
United States
Typical home value
+63%
+67%
+60%
+53%
Typical rent
+29%
+49%
+32%
+33%
Typical household income
+28%
+33%
+30%
+29%
From 2015–2019 to 2020–2024, the typical home value in Goose Creek rose 63%; in Berkeley County, it rose 67%.
The typical rent in Goose Creek rose 29% over the same time; in Berkeley County, it rose 49%.
While home values in Goose Creek changed +63% and rent +29%, the typical household income rose 28%.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Goose Creek and its comparisons
Measure
Goose Creek
Berkeley County
South Carolina
United States
Rental vacancy
5.2%
6.3%
8.3%
5.5%
Homeowner vacancy
Unreliable estimate
1.1%
0.9%
0.9%
More than one person per room
2.3%
1.8%
2.0%
3.4%
People per household
2.57
2.59
2.44
2.53
Drive alone
70%
77%
76%
69%
Carpool
11%
8%
9%
9%
Public transit
Unreliable estimate
Unreliable estimate
0%
3%
Walk or bike
Unreliable estimate
2%
2%
3%
Work from home
13%
12%
12%
15%
Other means
1%
1%
2%
2%
Typical commute
20 to 29 minutes
20 to 29 minutes
20 to 29 minutes
20 to 29 minutes
The rental vacancy rate in Goose Creek is 5.2%, lower than in Berkeley County (6.3%).
More than one person per room: that is how 2.3% of households in Goose Creek live, near the figure in Berkeley County (1.8%).
Much as in Berkeley County, a household in Goose Creek has 2.57 people on average.
To get to work, 70% of workers in Goose Creek drive alone; in Berkeley County, 77%.
Do the math
What would you pay each month for a home in Goose Creek?
A typical home is tight for the typical income
We start with a typical home in Goose Creek, worth $306,000, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 33% of the typical household income in Goose Creek, which is $88,178 a year. For that payment to be 28% of income, a household would need to earn about $103,523 a year.
The calculator's FHA and conventional loan limits are those of all of Berkeley County.
Change the price, the down payment or the loan: the payment updates right away.
Your numbers
Local data
$
Starts at the typical home value in Goose Creek. Change it to the price you have in mind.
Your score changes which loans apply and FHA's minimum down payment. Your real rate also depends on your credit.
Down payment
%
That is $10,710 (3.5% of the price). The usual minimum for this loan is 3.5%.
This week's average ± a quarter or half point.
National average as of November 5, 2026 (Freddie Mac); your rate may be different.
Adjust advanced details⌄
Estimated monthly payment
Local data
$2,416
at 7.18% · 30 years
Loan amount
$300,458
Total interest
$432,288
Paid off in
November 2056
Includes $5,168 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $2,057 a month
Tight
$2,057 to $2,645 a month
Your payment · 33%
Hard
more than $2,645 a month
Compared with the typical household income in Goose Creek ($88,178 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$2,035
Property tax
$117
Home insurance
$128
FHA mortgage insurance (MIP)
$135
You need at least $10,710 for the down payment, plus closing costs.
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.
Total monthly payment $2,416; principal and interest $2,035.
The city and its county
Goose Creek and Berkeley County
Goose Creek is in Berkeley 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).
Goose Creek
Map of Berkeley County, South Carolina, with Goose Creek marked. Around it, the neighboring counties.
Goose Creek
Berkeley County
Other cities with a page
Goose Creek's own numbers
Typical home value
$306,000
Typical monthly rent
$1,690
Typical yearly household income
$88,178
Households that own their home
68%
Effective property tax rate
0.46%
U.S. Census Bureau, American Community Survey (average 2020–2024).
Numbers for all of Berkeley County
FHA limit, one-unit home
$690,000
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,884
Price change over 5 years (FHFA)
+57%
Homes in a high flood-risk zone
4.8%
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 Berkeley County.
A typical home in Goose Creek is worth $306,000: about the same as the county and 18% above South Carolina. With the typical household income in Goose Creek ($88,178 a year), a typical home costs 3.5 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.
Goose Creek3.5 years
Berkeley3.7 years
South Carolina3.7 years
United States4.1 years
Source: U.S. Census Bureau, Average 2020–2024
How prices have changed in Berkeley County
According to FHFA’s house price index, home prices in Berkeley County rose 115% in the 10 years through 2025.
FHFA does not publish this index by city: these are the numbers for all of Berkeley County.
Yearly change in FHFA’s price index in Berkeley County, 2016 to 2025
2016: +5.0% +5.0% 2016
2017: +9.1% +9.1% 2017
2018: +7.2% +7.2% 2018
2019: +7.0% +7.0% 2019
2020: +4.4% +4.4% 2020
2021: +13.8% +13.8% 2021
2022: +18.5% +18.5% 2022
2023: +9.6% +9.6% 2023
2024: +3.8% +3.8% 2024
2025: +2.0% +2.0% 2025
Change in FHFA’s price index in Berkeley County, South Carolina and the United States
Period
County
South Carolina
U.S.
Last year (2025)
+2.0%
+3.6%
+2.9%
5 years (2020–2025)
+57%
+60%
+47%
10 years (2015–2025)
+115%
+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
Goose Creek next to Berkeley 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
Goose Creek$306,000
Berkeley$310,300
South Carolina$259,000
United States$332,700
Typical monthly rent
Goose Creek$1,690
Berkeley$1,654
South Carolina$1,180
United States$1,413
Typical yearly household income
Goose Creek$88,178
Berkeley$84,358
South Carolina$69,324
United States$80,734
See the full table
Goose Creek next to Berkeley County and South Carolina
Measure
Goose Creek
Berkeley County
South Carolina
U.S.
Typical home value
$306,000
$310,300
$259,000
$332,700
Typical monthly rent
$1,690 ▲2% above the county
$1,654
$1,180
$1,413
Typical yearly household income
$88,178 ▲5% above the county
$84,358
$69,324
$80,734
Households that own their home
68% ▼6 points below the county
75%
72%
65%
Typical yearly property tax
$1,422
$1,400
$1,251
$3,119
Effective property tax rate
0.46% ▲0.01 points above the county
0.45%
0.48%
0.94%
Renters with high rent for their income
45% ▼6 points below the county
51%
52%
51%
“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Berkeley 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 Goose Creek
For a typical $306,000 home in Goose Creek, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Goose Creek's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$2,416a month
Least cash to close
Down payment
$10,710
Cash to close
$19,890
Rate
7.18%
Mortgage insurance
FHA MIP · $135
Conventional, 5% down$2,359a month
Down payment
$15,300
Cash to close
$24,480
Rate
7.18%
Mortgage insurance
PMI · $145
Conventional, 20% down, no PMI$1,903a month
Down payment
$61,200
Cash to close
$70,380
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$2,186a month
Down payment
$45,900
Cash to close
$55,080
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Goose Creek
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$2,416
$10,710
$300,458
7.18%
FHA MIP · $135
$19,890
580
Conventional, 5% down
$2,359
$15,300
$290,700
7.18%
PMI · $145
$24,480
620*
Conventional, 20% down, no PMI
$1,903
$61,200
$244,800
7.18%
None
$70,380
620*
ITIN, 15% down (example)
$2,186
$45,900
$260,100
8.18%
None
$55,080
Set by the lender
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.
Typical rent in Goose Creek is $1,690 a month: 2% above the county. In Goose Creek, 45% of renter households pay 30% or more of their income in rent.
HUD publishes a fair market rent for all of Berkeley County, by unit size. To pay the 2-bedroom one ($1,884 a month) without spending more than 30% of your income, you would need to earn $36.23 an hour working full time.
What you need to earn to pay it without spending more than 30% of income, working full time.
HUD fair market rent in Berkeley County (Fiscal year 2027)
Size
Fair rent a month
Hourly wage
Yearly income
Studio
$1,661
$31.94
$66,440
1 bedroom
$1,731
$33.29
$69,240
2 bedrooms
$1,884
$36.23
$75,360
3 bedrooms
$2,336
$44.92
$93,440
4 bedrooms
$2,687
$51.67
$107,480
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 Goose Creek
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Goose Creek is in ZIP code 29445.
For 2 bedrooms it is $1,820: $64 less than the fair market rent for Berkeley County ($1,884).
Fair market rent by ZIP code and size in Goose Creek, fiscal year 2027.
ZIP code
Studio
1 bd
2 bd
3 bd
4 bd
29445
$1,600
$1,670
$1,820
$2,260
$2,600
ZIP code2 bd3 bd
29445 $1,820$2,260
1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Goose Creek 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 2027Small Area Fair Market Rents (HUD) (external site)Source: Census Bureau ZCTA-to-place relationship fileData from 2020 dataCensus Bureau ZCTA-to-place relationship file (external site)
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 Berkeley County. The nearest ones are below; many serve by phone or online.
No down payment, repair or rent-help program on our list is for Goose Creek or Berkeley County. The ones below are statewide in South Carolina: they work in Goose Creek the same as in the rest of the state.
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).
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).
No legal help resource on our list is for Goose Creek or Berkeley County in particular.
If you have a problem with your landlord, an eviction notice or a scam, the Legal Services Corporation (LSC) search shows the free legal aid offices that serve your area.
Short answers with the numbers for Goose Creek and all of Berkeley 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 Goose Creek?
The typical home value in Goose Creek is $306,000, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Berkeley County it is $310,300.
How much does it cost to rent in Goose Creek?
Typical rent in Goose Creek is $1,690 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Berkeley County is $1,884.
What is the FHA loan limit in Goose Creek?
Goose Creek uses the FHA limit for all of Berkeley County (2026): $690,000 for a one-unit home and $1,326,950 for a four-unit home.
How much property tax do owners pay in Goose Creek?
The typical homeowner in Goose Creek pays $1,422 a year, according to the U.S. Census Bureau. That is 0.46% of the home’s value; in Berkeley County, the rate is 0.45%.
Where can I find free help to buy or rent in Goose Creek?
We found no HUD-approved counseling agencies with an office in Berkeley County; the nearest ones are on this page. They can help you get ready to buy, with your credit, or with rent.
