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City · 22,536 residents · Greenwood County, South Carolina

Greenwood , South Carolina

In Greenwood, a typical home is worth $136,300 and typical rent is $839 a month. Compared with all of Greenwood County, the typical home value is 24% lower, typical household income is 22% lower, and the share of households that own their home is 24 points lower.

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  • Typical home value

    $136,300

    24% below the county

    47% below South Carolina

    • Greenwood
    • County
    • South Carolina

  • Typical rent

    $839a month

    7% below the county

    29% below South Carolina

    • Greenwood
    • County
    • South Carolina

  • Typical household income

    $41,150a year

    22% below the county

    41% below South Carolina

    • Greenwood
    • County
    • South Carolina

  • Households that own their home

    43%

    24 points below the county

    28 points below South Carolina

    • Greenwood
    • County
    • South Carolina

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

Market now, with Zillow data

Zillow data
Typical home value
$189,603
0.5% more than 12 months ago
Typical rent
$1,115 a month

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

Greenwood is in Greenwood 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 Greenwood County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Greenwood apart

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

  1. 43% of households in Greenwood own their home, against 67% in Greenwood County.

  2. Greenwood has the 6th lowest typical home value of the 101 cities in South Carolina with more than 5,000 people ($136,300).

  3. Nearby, in Homeland Park, the typical home value is $103,700: 24% less than in Greenwood ($136,300).

  4. The typical household income in Greenwood is $41,150, 22% less than in Greenwood County as a whole ($52,830).

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

The homes here

Housing in Greenwood

What homes there are in Greenwood, 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 is still the most common home in Greenwood, but it weighs less than in Greenwood County: 55% against 68%.

Year built

In Greenwood, half of the homes were built before 1968; in Greenwood County, before 1977.

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

HUD's 2-bedroom fair market rent (FMR) for Greenwood County is $885: about 55% of rents in Greenwood are below it.

With a mortgage

$1,133 a month

Greenwood County: $1,227 a month

Without a mortgage

$372 a month

Greenwood County: $380 a month

Owners with a mortgage

48%

Greenwood County: 50%

Owning costs less in Greenwood: with a mortgage, the typical cost is $1,133 a month; in Greenwood County, $1,227. Without one, $372.

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 Greenwood gained value more slowly than in Greenwood County: 40% since 2015–2019, against 47%.

Rents in Greenwood rose more slowly than in Greenwood County: 17% since 2015–2019, against 23%.

To compare: typical income in Greenwood rose 22%; the home, +40%; the rent, +17%.

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

MeasureGreenwoodGreenwood CountySouth CarolinaUnited States
Rental vacancy Unreliable estimate4.3%8.3%5.5%
Homeowner vacancy Unreliable estimateUnreliable estimate0.9%0.9%
More than one person per room Unreliable estimate1.7%2.0%3.4%
People per household 2.242.372.442.53
Drive alone 82%85%76%69%
Carpool 10%9%9%9%
Public transit Unreliable estimateUnreliable estimate0%3%
Walk or bike 3%1%2%3%
Work from home 3%4%12%15%
Other means Unreliable estimateUnreliable estimate2%2%
Typical commute 10 to 19 minutes10 to 19 minutes20 to 29 minutes20 to 29 minutes

Fewer people live in each home here: 2.24 on average, against 2.37 in Greenwood County.

The car rules in Greenwood: 82% 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 Greenwood?

A typical home is tight for the typical income

We start with a typical home in Greenwood, worth $136,300, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 32% of the typical household income in Greenwood, which is $41,150 a year. For that payment to be 28% of income, a household would need to earn about $47,524 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Greenwood. 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 $4,771 (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

$1,109

at 7.18% · 30 years

Loan amount
$133,831
Total interest
$192,551
Paid off in
November 2056

Includes $2,302 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $960 a month

  • Tight

    $960 to $1,235 a month

    Your payment · 32%

  • Hard

    more than $1,235 a month

Compared with the typical household income in Greenwood ($41,150 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$1,109
Principal & interest$907
Property tax$85
Home insurance$57
FHA mortgage insurance (MIP)$60

You need at least $4,771 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

Greenwood and Greenwood County

Greenwood is in Greenwood 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).

Greenwood's own numbers

Typical home value
$136,300
Typical monthly rent
$839
Typical yearly household income
$41,150
Households that own their home
43%
Effective property tax rate
0.75%

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

Numbers for all of Greenwood County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$885
Price change over 5 years (FHFA)
+52%
Homes in a high flood-risk zone
0.4%

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 Greenwood County.

Everything about Greenwood County

Buying

Buying a home in Greenwood

A typical home in Greenwood is worth $136,300: 24% below the county and 47% below South Carolina. With the typical household income in Greenwood ($41,150 a year), a typical home costs 3.3 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.

  • Greenwood 3.3 years
  • County 3.4 years
  • South Carolina 3.7 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Greenwood County

According to FHFA’s house price index, home prices in Greenwood County rose 80% in the 10 years through 2025.

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

Period County South Carolina U.S.
Last year (2025) +1.1% +3.6% +2.9%
5 years (2020–2025) +52% +60% +47%
10 years (2015–2025) +80% +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

Greenwood next to Greenwood 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
  • Greenwood $136,300
  • County $180,500
  • South Carolina $259,000
  • United States $332,700
Typical monthly rent
  • Greenwood $839
  • County $898
  • South Carolina $1,180
  • United States $1,413
Typical yearly household income
  • Greenwood $41,150
  • County $52,830
  • South Carolina $69,324
  • United States $80,734
See the full table
Greenwood next to Greenwood County and South Carolina
Measure Greenwood Greenwood County South Carolina U.S.
Typical home value $136,300 $180,500 $259,000 $332,700
Typical monthly rent $839 $898 $1,180 $1,413
Typical yearly household income $41,150 $52,830 $69,324 $80,734
Households that own their home 43% 67% 72% 65%
Typical yearly property tax $1,025 $964 $1,251 $3,119
Effective property tax rate 0.75% 0.53% 0.48% 0.94%
Renters with high rent for their income 51% 50% 52% 51%

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

For a typical $136,300 home in Greenwood, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Greenwood's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $1,109a month

    Least cash to close
    Down payment
    $4,771
    Cash to close
    $8,860
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $60

  • Conventional, 5% down $1,084a month

    Down payment
    $6,815
    Cash to close
    $10,904
    Rate
    7.18%
    Mortgage insurance
    PMI · $65

  • Conventional, 20% down, no PMI $881a month

    Down payment
    $27,260
    Cash to close
    $31,349
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $1,007a month

    Down payment
    $20,445
    Cash to close
    $24,534
    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 Greenwood and for Greenwood County.

Property tax

Effective rate in Greenwood

0.75%of the home’s value each year

$1,025 a year for the typical owner in Greenwood.

  • Greenwood 0.75%
  • County 0.53%
  • 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 Greenwood County

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

Homes in the high-risk zone
0.4%
130
Of those, with NFIP insurance
30%
County South Carolina U.S.
Homes in the high-risk zone 0.4% 4% 3.5%
Of those, with NFIP insurance 30% 85% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Greenwood

Typical rent in Greenwood is $839 a month: 7% below the county. In Greenwood, 51% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Greenwood County, by unit size. To pay the 2-bedroom one ($885 a month) without spending more than 30% of your income, you would need to earn $17.02 an hour working full time.

HUD fair market rent for all of Greenwood 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 $643 $12.37 $25,720
1 bedroom $747 $14.37 $29,880
2 bedrooms $885 $17.02 $35,400
3 bedrooms $1,106 $21.27 $44,240
4 bedrooms $1,285 $24.71 $51,400

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 Greenwood

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

For 2 bedrooms it runs from $890 in 29646 to $930 in 29649.

2 of the 2 are above the fair market rent for Greenwood County ($885).

  • 29646 $890$1,110
  • 29649 $930$1,160

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

HUD lists 17 buildings with rents for lower incomes in Greenwood. These are the largest.

  • Fairfield & Winns Apartments 100A Douglas Ct, Greenwood 29646 223 low-income homes · Run by Housing Authority of Greenwood · Average payment: $366 a month · Average wait: 21 months (864) 227-3670
  • Phoenix Place 1401 Phoenix St, Greenwood 29646 101 homes, 100 low-income · 1 bd: 8 · 2 bd: 58 · 3 bd: 24 · 4 bd: 10 · In service since 2007 · For families (864) 227-6091
  • Wisewood Apartments 235 Florida Ave, Greenwood 29646 90 low-income homes · For families (864) 227-2050
  • Hallmark at Greenwood 337 Emerald Rd N, Greenwood 29646 88 low-income homes · 2 bd: 88 · In service since 2009
  • Cardinal Glen Apts 1524 Parkway, Greenwood 29646 64 low-income homes · 1 bd: 16 · 2 bd: 32 · 3 bd: 16 · In service since 2003 · For families

See all 21 buildings in Greenwood County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Greenwood

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 Greenwood 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 Greenwood

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

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

  • Greenville County Human Relations Commission

    301 University Rdg, Greenville · 47 miles away

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 8 more
    (864) 467-7095

  • Telamon Corporation - Greenville Branch

    300A S Daniel Morgan Ave, Spartanburg · 53 miles away

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

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

    430 E Main St, Spartanburg · 54 miles away

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

All counseling agencies in South Carolina

Help in Spanish near Greenwood

None 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 Greenwood

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

  • Housing Authority of Greenwood Public housing and Section 8 vouchers (864) 227-3670

All housing agencies in South Carolina Source: HUD

Cities

Nearby cities

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

Everything about Greenwood County Housing in South Carolina

Neighboring counties

If Greenwood 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 Greenwood.

All guides
Three women of one family talk as they cook vegetables in the kitchen.

Questions

Housing questions about Greenwood

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

The typical home value in Greenwood is $136,300, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Greenwood County it is $180,500.

How much does it cost to rent in Greenwood?

Typical rent in Greenwood is $839 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Greenwood County is $885.

What is the FHA loan limit in Greenwood?

Greenwood uses the FHA limit for all of Greenwood 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 Greenwood?

The typical homeowner in Greenwood pays $1,025 a year, according to the U.S. Census Bureau. That is 0.75% of the home’s value; in Greenwood County, the rate is 0.53%.

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

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