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City · 7,419 residents · Darlington County, South Carolina

Hartsville , South Carolina

In Hartsville, a typical home is worth $205,600 and typical rent is $874 a month. Compared with all of Darlington County, the typical home value is 30% higher and the share of households that own their home is 9 points lower.

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  • Typical home value

    $205,600

    30% above the county

    21% below South Carolina

    • Hartsville
    • Darlington
    • South Carolina

  • Typical rent

    $874a month

    2% below the county

    26% below South Carolina

    • Hartsville
    • Darlington
    • South Carolina

  • Typical household income

    $49,272a year

    About the same as the county

    29% below South Carolina

    • Hartsville
    • Darlington
    • South Carolina

  • Households that own their home

    62%

    9 points below the county

    10 points below South Carolina

    • Hartsville
    • Darlington
    • South Carolina

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

Market now, with Zillow data

Zillow data
Typical home value
$185,695
10.1% more than 12 months ago

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

Hartsville is in Darlington 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 Darlington County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Hartsville apart

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

  1. Nearby, in Bennettsville, the typical home value is $92,100: 55% less than in Hartsville ($205,600).

  2. According to Zillow, in the 12 months to September 2026 the typical home value in Hartsville rose 10.1%; in South Carolina, it rose 0.9%.

  3. The typical home in Hartsville is worth $205,600, 30% more than in Darlington County as a whole ($158,200).

  4. Nearby, in Bennettsville, the typical rent is $671: 23% less than in Hartsville ($874).

  5. 8% of households in Hartsville have no internet at home (18% in Darlington County).

  6. 62% of households in Hartsville own their home, against 71% in Darlington County.

Sources: U.S. Census Bureau (Average 2020–2024); Zillow (September 2026 data). Zillow data

The homes here

Housing in Hartsville

What homes there are in Hartsville, 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 Hartsville: 75% of homes, more than in Darlington County (63%).

Year built

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

The FHA limit for Darlington County is high ($541,287): at least 91% of owner-occupied homes in Hartsville are worth less than $500,000.

Monthly rent with utilities

With a mortgage

$1,297 a month

Darlington County: $1,222 a month

Without a mortgage

$451 a month

Darlington County: $387 a month

Owners with a mortgage

52%

Darlington County: 43%

In Hartsville, 52% of owners have a mortgage, and their typical cost is $1,297 a month, against $1,222 in Darlington County. Without one it drops to $451.

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 Hartsville gained value more slowly than in Darlington County: 40% since 2015–2019, against 71%.

Much as in Darlington County, the typical rent in Hartsville rose 31% since 2015–2019.

To compare: typical income in Hartsville rose 39%; the home, +40%; the rent, +31%.

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

MeasureHartsvilleDarlington CountySouth CarolinaUnited States
Rental vacancy Unreliable estimate6.8%8.3%5.5%
Homeowner vacancy Unreliable estimateUnreliable estimate0.9%0.9%
More than one person per room Unreliable estimate1.3%2.0%3.4%
People per household 2.272.402.442.53
Drive alone 71%82%76%69%
Carpool Unreliable estimate9%9%9%
Public transit Unreliable estimateUnreliable estimate0%3%
Walk or bike 8%2%2%3%
Work from home 5%5%12%15%
Other means Unreliable estimate3%2%2%
Typical commute Unreliable estimateUnreliable estimate20 to 29 minutes20 to 29 minutes

Households in Hartsville are smaller: 2.27 people on average; in Darlington County, 2.40.

In Hartsville, 8% of workers walk or bike to work; in Darlington County, 2%.

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 Hartsville?

A typical home costs more than the typical income allows

We start with a typical home in Hartsville, worth $205,600, 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 Hartsville, which is $49,272 a year. For that payment to be 28% of income, a household would need to earn about $69,190 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Hartsville. 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 $7,196 (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

$1,614

at 7.18% · 30 years

Loan amount
$201,876
Total interest
$290,452
Paid off in
November 2056

Includes $3,472 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,150 a month

  • Tight

    $1,150 to $1,478 a month

  • Hard

    more than $1,478 a month

    Your payment · 39%

Compared with the typical household income in Hartsville ($49,272 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$1,614
Principal & interest$1,368
Property tax$70
Home insurance$86
FHA mortgage insurance (MIP)$91

You need at least $7,196 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

Hartsville and Darlington County

Hartsville is in Darlington 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).

Hartsville's own numbers

Typical home value
$205,600
Typical monthly rent
$874
Typical yearly household income
$49,272
Households that own their home
62%
Effective property tax rate
0.41%

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

Numbers for all of Darlington County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,093
Price change over 5 years (FHFA)
+41%
Homes in a high flood-risk zone
0.6%

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 Darlington County.

Everything about Darlington County

Buying

Buying a home in Hartsville

A typical home in Hartsville is worth $205,600: 30% above the county and 21% below South Carolina. With the typical household income in Hartsville ($49,272 a year), a typical home costs 4.2 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.

  • Hartsville 4.2 years
  • Darlington 3.3 years
  • South Carolina 3.7 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Darlington County

According to FHFA’s house price index, home prices in Darlington County rose 59% in the 10 years through 2025.

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

Period County South Carolina U.S.
Last year (2025) +3.5% +3.6% +2.9%
5 years (2020–2025) +41% +60% +47%
10 years (2015–2025) +59% +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

Hartsville next to Darlington 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
  • Hartsville $205,600
  • Darlington $158,200
  • South Carolina $259,000
  • United States $332,700
Typical monthly rent
  • Hartsville $874
  • Darlington $896
  • South Carolina $1,180
  • United States $1,413
Typical yearly household income
  • Hartsville $49,272
  • Darlington $48,581
  • South Carolina $69,324
  • United States $80,734
See the full table
Hartsville next to Darlington County and South Carolina
Measure Hartsville Darlington County South Carolina U.S.
Typical home value $205,600 $158,200 $259,000 $332,700
Typical monthly rent $874 $896 $1,180 $1,413
Typical yearly household income $49,272 $48,581 $69,324 $80,734
Households that own their home 62% 71% 72% 65%
Typical yearly property tax $837 $652 $1,251 $3,119
Effective property tax rate 0.41% 0.41% 0.48% 0.94%
Renters with high rent for their income 52% 56% 52% 51%

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

For a typical $205,600 home in Hartsville, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Hartsville's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $1,614a month

    Least cash to close
    Down payment
    $7,196
    Cash to close
    $13,364
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $91

  • Conventional, 5% down $1,577a month

    Down payment
    $10,280
    Cash to close
    $16,448
    Rate
    7.18%
    Mortgage insurance
    PMI · $98

  • Conventional, 20% down, no PMI $1,270a month

    Down payment
    $41,120
    Cash to close
    $47,288
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $1,460a month

    Down payment
    $30,840
    Cash to close
    $37,008
    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 Hartsville and for Darlington County.

Property tax

Effective rate in Hartsville

0.41%of the home’s value each year

$837 a year for the typical owner in Hartsville.

  • Hartsville 0.41%
  • Darlington 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 Darlington County

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

Homes in the high-risk zone
0.6%
165
Of those, with NFIP insurance
21%
County South Carolina U.S.
Homes in the high-risk zone 0.6% 4% 3.5%
Of those, with NFIP insurance 21% 85% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Hartsville

Typical rent in Hartsville is $874 a month: 2% below the county. In Hartsville, 52% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Darlington County, by unit size. To pay the 2-bedroom one ($1,093 a month) without spending more than 30% of your income, you would need to earn $21.02 an hour working full time.

HUD fair market rent for all of Darlington 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 $868 $16.69 $34,720
1 bedroom $874 $16.81 $34,960
2 bedrooms $1,093 $21.02 $43,720
3 bedrooms $1,302 $25.04 $52,080
4 bedrooms $1,523 $29.29 $60,920

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 Hartsville

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Hartsville is in ZIP code 29550.

For 2 bedrooms it is $1,070: $23 less than the fair market rent for Darlington County ($1,093).

  • 29550 $1,070$1,280

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

HUD lists 7 buildings with rents for lower incomes in Hartsville. These are the largest.

  • East Park 1301 S 5th St, Hartsville 29550 100 low-income homes · Run by Housing Authority of Hartsville · Average payment: $333 a month · Average wait: 8 months (843) 332-9244
  • Forest Ridge 1212 Myrtle St, Hartsville 29550 89 low-income homes · 1 bd: 17 · 2 bd: 40 · 3 bd: 28 · 4 bd: 4 · In service since 2009 · For older adults, families (843) 332-2162
  • Hartsville Garden Apts 780 Tailwind Ln, Hartsville 29550 72 low-income homes · 1 bd: 16 · 2 bd: 36 · 3 bd: 20 · In service since 2011
  • Swift Creek Apartments 405 Swift Creek Rd, Hartsville 29550 72 low-income homes · For families (843) 383-5785
  • Middletown Apts 600 W Washington St, Hartsville 29550 40 low-income homes · 2 bd: 24 · 3 bd: 16 · In service since 1997

See all 17 buildings in Darlington County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Hartsville

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 Darlington 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 Hartsville

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

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

  • County First Initiative

    For Darlington 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 Hartsville

The HUD-approved agencies closest to the center of Hartsville, 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 · 21 miles away

    • Fair housing pre-purchase workshops
    • Pre-purchase counseling
    • and 2 more
    (843) 665-3175

  • NSC (naca Counseling Subsidiary) - Columbia, SC

    810 Dutch Square Blvd Suite 220, Columbia · 62 miles away · Spanish

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

  • Southeastern Housing & Community Development Fka Southeastern Housing Foundation

    986 Doyle St, Orangeburg · 75 miles away

    • Budget and financial counseling
    • Fair housing pre-purchase workshops
    • and 3 more
    (803) 534-9950

All counseling agencies in South Carolina

Help in Spanish near Hartsville

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 Hartsville

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

  • Housing Authority of Hartsville Public housing and Section 8 vouchers (843) 332-9244

One other authority has an office in Darlington County: see the list Source: HUD

Cities

Other cities in Darlington County

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

Everything about Darlington County Housing in South Carolina

Nearby cities

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

Neighboring counties

If Darlington 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 Hartsville.

All guides
A mother holding her baby watches her daughter blow bubbles outdoors.

Questions

Housing questions about Hartsville

Short answers with the numbers for Hartsville and all of Darlington 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 Hartsville?

The typical home value in Hartsville is $205,600, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Darlington County it is $158,200.

How much does it cost to rent in Hartsville?

Typical rent in Hartsville is $874 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Darlington County is $1,093.

What is the FHA loan limit in Hartsville?

Hartsville uses the FHA limit for all of Darlington 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 Hartsville?

The typical homeowner in Hartsville pays $837 a year, according to the U.S. Census Bureau. That is 0.41% of the home’s value; in Darlington County, the rate is 0.41%.

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

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