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City · 93,993 residents · Charleston County, South Carolina

Mount Pleasant , South Carolina

In Mount Pleasant, a typical home is worth $748,500 and typical rent is $2,159 a month. Compared with all of Charleston County, the typical home value is 53% higher, typical household income is 41% higher, and the share of households that own their home is 10 points higher.

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  • Typical home value

    $748,500

    53% above the county

    189% above South Carolina

    • Mount Pleasant
    • Charleston
    • South Carolina

  • Typical rent

    $2,159a month

    33% above the county

    83% above South Carolina

    • Mount Pleasant
    • Charleston
    • South Carolina

  • Typical household income

    $124,755a year

    41% above the county

    80% above South Carolina

    • Mount Pleasant
    • Charleston
    • South Carolina

  • Households that own their home

    74%

    10 points above the county

    2 points above South Carolina

    • Mount Pleasant
    • Charleston
    • South Carolina

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

Market now, with Zillow data

Zillow data
Typical home value
$871,681
1.6% more than 12 months ago
Typical rent
$2,441 a month
5.1% more than 12 months ago

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

Mount Pleasant is in Charleston 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 Charleston County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Mount Pleasant apart

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

  1. Mount Pleasant has the highest typical home value of the 101 cities in South Carolina with more than 5,000 people: $748,500.

  2. Nearby, in North Charleston, the typical home value is $302,200: 60% less than in Mount Pleasant ($748,500).

  3. Mount Pleasant has the 3rd highest typical household income of the 101 cities in South Carolina with more than 5,000 people ($124,755).

  4. Mount Pleasant has the 3rd highest typical rent of the 100 cities in South Carolina with more than 5,000 people ($2,159).

  5. Nearby, in Hanahan, the typical rent is $1,412: 35% less than in Mount Pleasant ($2,159).

  6. 74% of households in Mount Pleasant own their home, against 64% in Charleston County.

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

The homes here

Housing in Mount Pleasant

What homes there are in Mount Pleasant, 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 Mount Pleasant: 64% of homes, more than in Charleston County (58%).

Year built

The typical home in Mount Pleasant was built in 2000, 9 years after the typical one in Charleston County.

In Mount Pleasant, 74% of homes have 3 bedrooms or more, more than in Charleston County (63%).

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

With a mortgage

$2,603 a month

Charleston County: $2,167 a month

Without a mortgage

$796 a month

Charleston County: $648 a month

Owners with a mortgage

73%

Charleston County: 66%

The typical cost for an owner with a mortgage in Mount Pleasant is $2,603 a month, more than in Charleston County ($2,167); without one, $796.

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

Since 2015–2019, homes in Mount Pleasant gained value faster than in Charleston County: 62% against 55%.

The typical rent in Mount Pleasant rose 33% over the same time; in Charleston County, it rose 36%.

Housing prices ran ahead of income in Mount Pleasant: typical income rose 21%, against +62% for home values and +33% for rent.

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

MeasureMount PleasantCharleston CountySouth CarolinaUnited States
Rental vacancy 12.9%11.7%8.3%5.5%
Homeowner vacancy Unreliable estimate1.1%0.9%0.9%
More than one person per room Unreliable estimate1.6%2.0%3.4%
People per household 2.342.292.442.53
Drive alone 66%69%76%69%
Carpool 5%9%9%9%
Public transit Unreliable estimate1%0%3%
Walk or bike 1%3%2%3%
Work from home 27%18%12%15%
Other means 1%1%2%2%
Typical commute 20 to 29 minutes20 to 29 minutes20 to 29 minutes20 to 29 minutes

The rental vacancy rate in Mount Pleasant is 12.9%, higher than in Charleston County (11.7%).

Much as in Charleston County, a household in Mount Pleasant has 2.34 people on average.

Many people here do not commute at all: 27% work from home; in Charleston County, 18%.

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 Mount Pleasant?

A typical home costs more than the typical income allows

We start with a typical home in Mount Pleasant, worth $748,500, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 56% of the typical household income in Mount Pleasant, which is $124,755 a year. For that payment to be 28% of income, a household would need to earn about $249,216 a year. Note: at that price the loan is above the FHA limit for Charleston County ($690,000), so FHA would not insure it; the payment is only a reference.

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

Your numbers

Local data
$

Starts at the typical home value in Mount Pleasant. 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 $26,198 (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

$5,815

at 7.18% · 30 years

Loan amount
$734,942
Total interest
$1,057,410
Paid off in
November 2056

Includes $12,640 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $2,911 a month

  • Tight

    $2,911 to $3,743 a month

  • Hard

    more than $3,743 a month

    Your payment · 56%

Compared with the typical household income in Mount Pleasant ($124,755 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$5,815
Principal & interest$4,979
Property tax$193
Home insurance$312
FHA mortgage insurance (MIP)$331

This loan is over the FHA limit

You'd borrow $722,302, but the FHA limit for a one-unit home in Mount Pleasant is $690,000. You'd need a bigger down payment or a different loan.

You need at least $26,198 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

Mount Pleasant and Charleston County

Mount Pleasant is in Charleston 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).

Mount Pleasant's own numbers

Typical home value
$748,500
Typical monthly rent
$2,159
Typical yearly household income
$124,755
Households that own their home
74%
Effective property tax rate
0.31%

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

Numbers for all of Charleston 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)
+71%
Homes in a high flood-risk zone
30%

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 Charleston County.

Everything about Charleston County

Buying

Buying a home in Mount Pleasant

A typical home in Mount Pleasant is worth $748,500: 53% above the county and 189% above South Carolina. With the typical household income in Mount Pleasant ($124,755 a year), a typical home costs 6.0 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.

  • Mount Pleasant 6.0 years
  • Charleston 5.5 years
  • South Carolina 3.7 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Charleston County

According to FHFA’s house price index, home prices in Charleston County rose 129% in the 10 years through 2025.

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

Period County South Carolina U.S.
Last year (2025) +2.3% +3.6% +2.9%
5 years (2020–2025) +71% +60% +47%
10 years (2015–2025) +129% +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

Mount Pleasant next to Charleston 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
  • Mount Pleasant $748,500
  • Charleston $489,100
  • South Carolina $259,000
  • United States $332,700
Typical monthly rent
  • Mount Pleasant $2,159
  • Charleston $1,620
  • South Carolina $1,180
  • United States $1,413
Typical yearly household income
  • Mount Pleasant $124,755
  • Charleston $88,494
  • South Carolina $69,324
  • United States $80,734
See the full table
Mount Pleasant next to Charleston County and South Carolina
Measure Mount Pleasant Charleston County South Carolina U.S.
Typical home value $748,500 $489,100 $259,000 $332,700
Typical monthly rent $2,159 $1,620 $1,180 $1,413
Typical yearly household income $124,755 $88,494 $69,324 $80,734
Households that own their home 74% 64% 72% 65%
Typical yearly property tax $2,300 $1,901 $1,251 $3,119
Effective property tax rate 0.31% 0.39% 0.48% 0.94%
Renters with high rent for their income 55% 53% 52% 51%

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

For a typical $748,500 home in Mount Pleasant, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Mount Pleasant's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $5,815a month

    Above the FHA limit for Charleston County ($690,000)
    Down payment
    $26,198
    Cash to close
    $48,653
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $331

  • Conventional, 5% down $5,678a month

    Least cash to close
    Down payment
    $37,425
    Cash to close
    $59,880
    Rate
    7.18%
    Mortgage insurance
    PMI · $356

  • Conventional, 20% down, no PMI $4,562a month

    Down payment
    $149,700
    Cash to close
    $172,155
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $5,254a month

    Down payment
    $112,275
    Cash to close
    $134,730
    Rate
    8.18%
    Mortgage insurance
    None

The option that asks for the least cash to close is Conventional, 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 Mount Pleasant and for Charleston County.

Property tax

Effective rate in Mount Pleasant

0.31%of the home’s value each year

$2,300 a year for the typical owner in Mount Pleasant.

  • Mount Pleasant 0.31%
  • Charleston 0.39%
  • 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 Charleston County

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

Homes in the high-risk zone
30%
44,952
Of those, with NFIP insurance
78%
County South Carolina U.S.
Homes in the high-risk zone 30% 4% 3.5%
Of those, with NFIP insurance 78% 85% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Mount Pleasant

Typical rent in Mount Pleasant is $2,159 a month: 33% above the county. In Mount Pleasant, 55% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Charleston 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 Charleston 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 Mount Pleasant

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

For 2 bedrooms it runs from $2,430 in 29464 to $2,770 in 29466.

2 of the 2 are above the fair market rent for Charleston County ($1,884).

  • 29464 $2,430$3,010
  • 29466 $2,770$3,430

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

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.

There are 5 HUD-approved agencies with an office in Charleston County; 3 say they serve in Spanish.

A pregnant woman reads paperwork on the sofa while the grandmother plays with the girl on the floor.

HUD counseling is free or low-cost

Assistance programs in Mount Pleasant

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

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

  • Charleston Trident Urban League, Inc.

    2133 N Hillside Dr, Charleston · 8 miles away

    • Budget and financial counseling
    • Budget and credit workshops
    • and 6 more
    (843) 769-8173

  • Credit.org - North Charleston, SC Branch

    5935 Rivers Ave, North Charleston · 11 miles away · Spanish

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 7 more
    (800) 431-8157

  • NSC (naca Counseling Subsidiary) - Charleston, SC

    7301 Rivers Ave, North Charleston · 13 miles away · Spanish

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 5 more
    (425) 602-6222

Every agency in Charleston County All counseling agencies in South Carolina

Help in Spanish near Mount Pleasant

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 Mount Pleasant

In HUD’s record, no housing authority with an office in Charleston County is named for Mount Pleasant or Charleston County.

3 other authorities have an office in Charleston County: see the list Source: HUD

Cities

Other cities in Charleston County

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

Everything about Charleston County Housing in South Carolina

Nearby cities

The cities closest to Mount Pleasant, with the typical home value.

Neighboring counties

If Charleston 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 Mount Pleasant.

All guides
A smiling girl holds up a small mushroom she found on a forest outing.

Questions

Housing questions about Mount Pleasant

Short answers with the numbers for Mount Pleasant and all of Charleston 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 Mount Pleasant?

The typical home value in Mount Pleasant is $748,500, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Charleston County it is $489,100.

How much does it cost to rent in Mount Pleasant?

Typical rent in Mount Pleasant is $2,159 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Charleston County is $1,884.

What is the FHA loan limit in Mount Pleasant?

Mount Pleasant uses the FHA limit for all of Charleston 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 Mount Pleasant?

The typical homeowner in Mount Pleasant pays $2,300 a year, according to the U.S. Census Bureau. That is 0.31% of the home’s value; in Charleston County, the rate is 0.39%.

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

There are 5 HUD-approved counseling agencies with an office in Charleston County. 3 say they serve in Spanish. 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).