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City · 9,786 residents · Kershaw County, South Carolina

Lugoff , South Carolina

In Lugoff, a typical home is worth $223,900 and typical rent is $915 a month. Compared with all of Kershaw County, typical rent is 6% lower and the share of households that own their home is 5 points higher.

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  • Typical home value

    $223,900

    3% above the county

    14% below South Carolina

    • Lugoff
    • Kershaw
    • South Carolina

  • Typical rent

    $915a month

    6% below the county

    22% below South Carolina

    • Lugoff
    • Kershaw
    • South Carolina

  • Typical household income

    $69,485a year

    About the same as the county

    About the same as South Carolina

    • Lugoff
    • Kershaw
    • South Carolina

  • Households that own their home

    87%

    5 points above the county

    15 points above South Carolina

    • Lugoff
    • Kershaw
    • South Carolina

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

Market now, with Zillow data

Zillow data
Typical home value
$267,775
3.4% more than 12 months ago
Typical rent
$1,675 a month

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

Lugoff is in Kershaw 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 Kershaw County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Lugoff apart

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

  1. Lugoff has the 5th highest homeownership rate of the 101 cities in South Carolina with more than 5,000 people (87%).

  2. Nearby, in Woodfield, the typical home value is $150,800: 33% less than in Lugoff ($223,900).

  3. Lugoff has the 7th smallest share of rent-burdened renters of the 93 cities in South Carolina with more than 5,000 people (40%).

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

The homes here

Housing in Lugoff

What homes there are in Lugoff, 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 Lugoff: 81% of homes, more than in Kershaw County (75%).

Year built

The typical year built in Lugoff is 1995, about the same as in Kershaw County (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

With an FHA limit of $541,287, at least 96% of owner-occupied homes in Lugoff sit below it: they are worth less than $500,000.

Monthly rent with utilities

With a mortgage

$1,352 a month

Kershaw County: $1,421 a month

Without a mortgage

$419 a month

Kershaw County: $411 a month

Owners with a mortgage

65%

Kershaw County: 58%

The typical cost for an owner with a mortgage in Lugoff is $1,352 a month, near the figure in Kershaw County ($1,421).

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

The Census does not compare Lugoff with 2015–2019 because its boundaries changed. In Kershaw County, over that time, the typical home value rose 66%.

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

MeasureLugoffKershaw 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 estimateUnreliable estimate2.0%3.4%
People per household 2.592.532.442.53
Drive alone 78%81%76%69%
Carpool 9%9%9%9%
Public transit Unreliable estimateUnreliable estimate0%3%
Walk or bike Unreliable estimateUnreliable estimate2%3%
Work from home 13%9%12%15%
Other means Unreliable estimateUnreliable estimate2%2%
Typical commute Unreliable estimateUnreliable estimate20 to 29 minutes20 to 29 minutes

By size, households in Lugoff look like those in Kershaw County: 2.59 people on average.

Working from home is more common in Lugoff: 13%, against 9% in Kershaw County.

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 Lugoff?

A typical home is tight for the typical income

We start with a typical home in Lugoff, worth $223,900, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 31% of the typical household income in Lugoff, which is $69,485 a year. For that payment to be 28% of income, a household would need to earn about $76,148 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Lugoff. 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 $7,837 (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

$1,777

at 7.18% · 30 years

Loan amount
$219,844
Total interest
$316,304
Paid off in
November 2056

Includes $3,781 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,621 a month

  • Tight

    $1,621 to $2,085 a month

    Your payment · 31%

  • Hard

    more than $2,085 a month

Compared with the typical household income in Lugoff ($69,485 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$1,777
Principal & interest$1,489
Property tax$95
Home insurance$93
FHA mortgage insurance (MIP)$99

You need at least $7,837 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

Lugoff and Kershaw County

Lugoff is in Kershaw 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).

Lugoff's own numbers

Typical home value
$223,900
Typical monthly rent
$915
Typical yearly household income
$69,485
Households that own their home
87%
Effective property tax rate
0.51%

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

Numbers for all of Kershaw County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$954
Price change over 5 years (FHFA)
+56%
Homes in a high flood-risk zone
1.9%

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 Kershaw County.

Everything about Kershaw County

Buying

Buying a home in Lugoff

A typical home in Lugoff is worth $223,900: 3% above the county and 14% below South Carolina. With the typical household income in Lugoff ($69,485 a year), a typical home costs 3.2 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.

  • Lugoff 3.2 years
  • Kershaw 3.2 years
  • South Carolina 3.7 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Kershaw County

According to FHFA’s house price index, home prices in Kershaw County rose 85% in the 10 years through 2025.

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

Period County South Carolina U.S.
Last year (2025) +2.9% +3.6% +2.9%
5 years (2020–2025) +56% +60% +47%
10 years (2015–2025) +85% +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

Lugoff next to Kershaw 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
  • Lugoff $223,900
  • Kershaw $217,100
  • South Carolina $259,000
  • United States $332,700
Typical monthly rent
  • Lugoff $915
  • Kershaw $971
  • South Carolina $1,180
  • United States $1,413
Typical yearly household income
  • Lugoff $69,485
  • Kershaw $68,231
  • South Carolina $69,324
  • United States $80,734
See the full table
Lugoff next to Kershaw County and South Carolina
Measure Lugoff Kershaw County South Carolina U.S.
Typical home value $223,900 $217,100 $259,000 $332,700
Typical monthly rent $915 $971 $1,180 $1,413
Typical yearly household income $69,485 $68,231 $69,324 $80,734
Households that own their home 87% 82% 72% 65%
Typical yearly property tax $1,144 $1,013 $1,251 $3,119
Effective property tax rate 0.51% 0.47% 0.48% 0.94%
Renters with high rent for their income 40% 55% 52% 51%

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

For a typical $223,900 home in Lugoff, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Lugoff's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $1,777a month

    Least cash to close
    Down payment
    $7,837
    Cash to close
    $14,554
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $99

  • Conventional, 5% down $1,736a month

    Down payment
    $11,195
    Cash to close
    $17,912
    Rate
    7.18%
    Mortgage insurance
    PMI · $106

  • Conventional, 20% down, no PMI $1,402a month

    Down payment
    $44,780
    Cash to close
    $51,497
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $1,609a month

    Down payment
    $33,585
    Cash to close
    $40,302
    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 Lugoff and for Kershaw County.

Property tax

Effective rate in Lugoff

0.51%of the home’s value each year

$1,144 a year for the typical owner in Lugoff.

  • Lugoff 0.51%
  • Kershaw 0.47%
  • 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 Kershaw County

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

Homes in the high-risk zone
1.9%
539
Of those, with NFIP insurance
37%
County South Carolina U.S.
Homes in the high-risk zone 1.9% 4% 3.5%
Of those, with NFIP insurance 37% 85% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Lugoff

Typical rent in Lugoff is $915 a month: 6% below the county. In Lugoff, 40% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Kershaw County, by unit size. To pay the 2-bedroom one ($954 a month) without spending more than 30% of your income, you would need to earn $18.35 an hour working full time.

HUD fair market rent for all of Kershaw 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 $841 $16.17 $33,640
1 bedroom $843 $16.21 $33,720
2 bedrooms $954 $18.35 $38,160
3 bedrooms $1,156 $22.23 $46,240
4 bedrooms $1,465 $28.17 $58,600

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 Lugoff

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Lugoff is in ZIP code 29078.

For 2 bedrooms it is $1,150: $196 more than the fair market rent for Kershaw County ($954).

  • 29078 $1,150$1,470

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

HUD lists 5 buildings with rents for lower incomes in Lugoff. These are the largest.

  • Sherwood Forest Apts Phase I 710 Cambridge Ln, Lugoff 29078 96 low-income homes · 1 bd: 32 · 2 bd: 64 · In service since 2008
  • Hallmark at Truesdale 186 Roy Truesdell Rd, Lugoff 29078 64 low-income homes · 2 bd: 32 · 3 bd: 32 · In service since 2010
  • Bridle Station 44 Boulware Rd, Lugoff 29078 48 low-income homes · 1 bd: 8 · 2 bd: 24 · 3 bd: 16 · In service since 2012 · For families
  • Bridle Ridge Apts 46 Boulware Rd, Lugoff 29078 40 low-income homes · 2 bd: 24 · 3 bd: 16 · In service since 1999 · For people with disabilities, families
  • Stratton Homes 109 Hampton Ct, Lugoff 29078 8 homes, 6 low-income · For people with disabilities (803) 425-1845

See all 16 buildings in Kershaw County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Lugoff

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

Two women and a girl laugh together at the bus stop.

HUD counseling is free or low-cost

Assistance programs in Lugoff

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

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

  • County First Initiative

    For Kershaw 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 Lugoff

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

  • NSC (naca Counseling Subsidiary) - Columbia, SC

    810 Dutch Square Blvd Suite 220, Columbia · 25 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 · 51 miles away

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

  • New America Corporation

    1136 Russell St, Orangeburg · 51 miles away

    • Pre-purchase counseling
    • Homebuyer education workshops
    (803) 534-0035

All counseling agencies in South Carolina

Help in Spanish near Lugoff

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 Lugoff

HUD lists no housing authority with an office in Kershaw 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 Kershaw County

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

Everything about Kershaw County Housing in South Carolina

Nearby cities

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

Neighboring counties

If Kershaw 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 Lugoff.

All guides
A father holds his baby and his young son by a white picket fence.

Questions

Housing questions about Lugoff

Short answers with the numbers for Lugoff and all of Kershaw 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 Lugoff?

The typical home value in Lugoff is $223,900, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Kershaw County it is $217,100.

How much does it cost to rent in Lugoff?

Typical rent in Lugoff is $915 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Kershaw County is $954.

What is the FHA loan limit in Lugoff?

Lugoff uses the FHA limit for all of Kershaw 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 Lugoff?

The typical homeowner in Lugoff pays $1,144 a year, according to the U.S. Census Bureau. That is 0.51% of the home’s value; in Kershaw County, the rate is 0.47%.

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

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