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City · 16,140 residents · Berkeley County, South Carolina

Ladson , South Carolina

In Ladson, a typical home is worth $234,900 and typical rent is $1,785 a month. Compared with all of Berkeley County, the typical home value is 24% lower and typical rent is 8% higher.

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  • Typical home value

    $234,900

    24% below the county

    9% below South Carolina

    • Ladson
    • Berkeley
    • South Carolina

  • Typical rent

    $1,785a month

    8% above the county

    51% above South Carolina

    • Ladson
    • Berkeley
    • South Carolina

  • Typical household income

    $78,760a year

    7% below the county

    14% above South Carolina

    • Ladson
    • Berkeley
    • South Carolina

  • Households that own their home

    77%

    2 points above the county

    5 points above South Carolina

    • Ladson
    • Berkeley
    • South Carolina

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

Market now, with Zillow data

Zillow data
Typical home value
$314,411
1.4% less than 12 months ago
Typical rent
$1,665 a month
2.8% more than 12 months ago

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

Ladson 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

Data updated: October 1, 2026 11 official sources

Only here

What sets Ladson apart

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

  1. Ladson has the 5th highest typical rent of the 100 cities in South Carolina with more than 5,000 people ($1,785).

  2. Nearby, in Hanahan, the typical rent is $1,412: 21% less than in Ladson ($1,785).

  3. The typical home in Ladson is worth $234,900, 24% less than in Berkeley County as a whole ($310,300).

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

The homes here

Housing in Ladson

What homes there are in Ladson, 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 the most common home in Ladson: 67% of homes, near the figure in Berkeley County (66%).

There are more mobile homes here than in Berkeley County: 19% of homes, against 14%.

Year built

In Ladson, half of the homes were built before 1990; in Berkeley County, before 2002.

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 98% of owner-occupied homes in Ladson are worth less than $500,000, below the FHA loan limit for Berkeley County ($690,000).

Monthly rent with utilities

With a mortgage

$1,472 a month

Berkeley County: $1,681 a month

Without a mortgage

$386 a month

Berkeley County: $476 a month

Owners with a mortgage

60%

Berkeley County: 64%

The typical cost for an owner with a mortgage in Ladson is $1,472 a month, less than in Berkeley County ($1,681); without one, $386.

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 Ladson rose 44%; in Berkeley County, it rose 67%.

Rents in Ladson rose at about the same pace as in Berkeley County: 47% since 2015–2019, against 49%.

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

MeasureLadsonBerkeley CountySouth CarolinaUnited States
Rental vacancy Unreliable estimate6.3%8.3%5.5%
Homeowner vacancy Unreliable estimate1.1%0.9%0.9%
More than one person per room Unreliable estimate1.8%2.0%3.4%
People per household 2.792.592.442.53
Drive alone 72%77%76%69%
Carpool 14%8%9%9%
Public transit Unreliable estimateUnreliable estimate0%3%
Walk or bike Unreliable estimate2%2%3%
Work from home 11%12%12%15%
Other means Unreliable estimate1%2%2%
Typical commute Unreliable estimate20 to 29 minutes20 to 29 minutes20 to 29 minutes

More people live in each home here: 2.79 on average, against 2.59 in Berkeley County.

In Ladson, 14% of workers share a car to get to work; in Berkeley County, 8%.

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 Ladson?

A typical home is tight for the typical income

We start with a typical home in Ladson, worth $234,900, 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 Ladson, which is $78,760 a year. For that payment to be 28% of income, a household would need to earn about $79,302 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Ladson. 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 $8,222 (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

$1,850

at 7.18% · 30 years

Loan amount
$230,645
Total interest
$331,844
Paid off in
November 2056

Includes $3,967 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,838 a month

  • Tight

    $1,838 to $2,363 a month

    Your payment · 28%

  • Hard

    more than $2,363 a month

Compared with the typical household income in Ladson ($78,760 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$1,850
Principal & interest$1,562
Property tax$86
Home insurance$98
FHA mortgage insurance (MIP)$104

You need at least $8,222 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

Ladson and Berkeley County

Ladson 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).

Ladson's own numbers

Typical home value
$234,900
Typical monthly rent
$1,785
Typical yearly household income
$78,760
Households that own their home
77%
Effective property tax rate
0.44%

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.

Everything about Berkeley County

Buying

Buying a home in Ladson

A typical home in Ladson is worth $234,900: 24% below the county and 9% below South Carolina. With the typical household income in Ladson ($78,760 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.

  • Ladson 3.0 years
  • Berkeley 3.7 years
  • South Carolina 3.7 years
  • United States 4.1 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.

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

Ladson 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
  • Ladson $234,900
  • Berkeley $310,300
  • South Carolina $259,000
  • United States $332,700
Typical monthly rent
  • Ladson $1,785
  • Berkeley $1,654
  • South Carolina $1,180
  • United States $1,413
Typical yearly household income
  • Ladson $78,760
  • Berkeley $84,358
  • South Carolina $69,324
  • United States $80,734
See the full table
Ladson next to Berkeley County and South Carolina
Measure Ladson Berkeley County South Carolina U.S.
Typical home value $234,900 $310,300 $259,000 $332,700
Typical monthly rent $1,785 $1,654 $1,180 $1,413
Typical yearly household income $78,760 $84,358 $69,324 $80,734
Households that own their home 77% 75% 72% 65%
Typical yearly property tax $1,040 $1,400 $1,251 $3,119
Effective property tax rate 0.44% 0.45% 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 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 Ladson

For a typical $234,900 home in Ladson, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Ladson's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $1,850a month

    Least cash to close
    Down payment
    $8,222
    Cash to close
    $15,269
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $104

  • Conventional, 5% down $1,807a month

    Down payment
    $11,745
    Cash to close
    $18,792
    Rate
    7.18%
    Mortgage insurance
    PMI · $112

  • Conventional, 20% down, no PMI $1,457a month

    Down payment
    $46,980
    Cash to close
    $54,027
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $1,674a month

    Down payment
    $35,235
    Cash to close
    $42,282
    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 Ladson and for Berkeley County.

Property tax

Effective rate in Ladson

0.44%of the home’s value each year

$1,040 a year for the typical owner in Ladson.

  • Ladson 0.44%
  • Berkeley 0.45%
  • 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 Berkeley County

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

Homes in the high-risk zone
4.8%
3,874
Of those, with NFIP insurance
82%
County South Carolina U.S.
Homes in the high-risk zone 4.8% 4% 3.5%
Of those, with NFIP insurance 82% 85% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Ladson

Typical rent in Ladson is $1,785 a month: 8% above the county. In Ladson, 55% 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.

HUD fair market rent for all of Berkeley 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 $1,661 $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 Ladson

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Ladson is in ZIP code 29456.

For 2 bedrooms it is $1,890: $6 more than the fair market rent for Berkeley County ($1,884).

  • 29456 $1,890$2,340

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

Free help

Help to buy or rent in Ladson

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.

An older woman smiles in front of her apartment building.

HUD counseling is free or low-cost

Assistance programs in Ladson

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

The HUD-approved agencies closest to the center of Ladson, 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 · 5 miles away · Spanish

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

  • Origin SC

    8084 Rivers Ave, North Charleston · 5 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 · 7 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 Ladson

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 Ladson

HUD lists no housing authority with an office in Berkeley County. One in a neighboring county or the state’s may serve the area.

All housing agencies in South Carolina Source: HUD

Cities

Other cities in Berkeley County

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

Everything about Berkeley County Housing in South Carolina

Nearby cities

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

Neighboring counties

If Berkeley 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 Ladson.

All guides
A couple spread mulch under the avocado trees of their family orchard, he on the tractor and she with a shovel.

Questions

Housing questions about Ladson

Short answers with the numbers for Ladson 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 Ladson?

The typical home value in Ladson is $234,900, 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 Ladson?

Typical rent in Ladson is $1,785 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 Ladson?

Ladson 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 Ladson?

The typical homeowner in Ladson pays $1,040 a year, according to the U.S. Census Bureau. That is 0.44% of the home’s value; in Berkeley County, the rate is 0.45%.

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

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.

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).