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City · 10,790 residents · Newberry County, South Carolina

Newberry , South Carolina

In Newberry, a typical home is worth $142,400 and typical rent is $831 a month. Compared with all of Newberry County, the typical home value is 18% lower, typical household income is 17% lower, and the share of households that own their home is 23 points lower.

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  • Typical home value

    $142,400

    18% below the county

    45% below South Carolina

    • Newberry
    • County
    • South Carolina

  • Typical rent

    $831a month

    5% below the county

    30% below South Carolina

    • Newberry
    • County
    • South Carolina

  • Typical household income

    $51,260a year

    17% below the county

    26% below South Carolina

    • Newberry
    • County
    • South Carolina

  • Households that own their home

    50%

    23 points below the county

    22 points below South Carolina

    • Newberry
    • County
    • South Carolina

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

Market now, with Zillow data

Zillow data
Typical home value
$168,812
3.4% more than 12 months ago

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

Newberry is in Newberry 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 Newberry County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Newberry apart

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

  1. Newberry has the 2nd smallest share of rent-burdened renters of the 93 cities in South Carolina with more than 5,000 people (34%).

  2. 50% of households in Newberry own their home, against 73% in Newberry County.

  3. The typical home in Newberry is worth $142,400, 18% less than in Newberry County as a whole ($173,300).

  4. The typical household income in Newberry is $51,260, 17% less than in Newberry County as a whole ($61,780).

  5. Newberry has the 9th lowest typical rent of the 100 cities in South Carolina with more than 5,000 people ($831).

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

The homes here

Housing in Newberry

What homes there are in Newberry, 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

In Newberry, 7 in 10 homes are single-family detached houses, about the same as in Newberry County.

Year built

The typical home in Newberry was built in 1966, 15 years before the typical one in Newberry County.

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 Newberry County is high ($541,287): at least 97% of owner-occupied homes in Newberry are worth less than $500,000.

Monthly rent with utilities

HUD's 2-bedroom fair market rent (FMR) for Newberry County is $933: about 60% of rents in Newberry are below it.

With a mortgage

$1,289 a month

Newberry County: $1,314 a month

Without a mortgage

$551 a month

Newberry County: $438 a month

Owners with a mortgage

47%

Newberry County: 44%

In Newberry, 47% of owners have a mortgage; their typical cost is $1,289 a month, about the same as in Newberry County.

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, home values in Newberry moved so little that the Census cannot say whether they rose or fell.

Rent in Newberry moved so little since 2015–2019 that the Census cannot say whether it rose or fell.

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

MeasureNewberryNewberry 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 estimate2.2%2.0%3.4%
People per household 2.402.422.442.53
Drive alone 81%83%76%69%
Carpool Unreliable estimate8%9%9%
Public transit Unreliable estimateUnreliable estimate0%3%
Walk or bike Unreliable estimate2%2%3%
Work from home Unreliable estimate5%12%15%
Other means Unreliable estimateUnreliable estimate2%2%
Typical commute Unreliable estimate20 to 29 minutes20 to 29 minutes20 to 29 minutes

A household in Newberry has 2.40 people on average, about the same as in Newberry County (2.42).

To get to work, 81% of workers in Newberry drive alone; in Newberry County, 83%.

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 Newberry?

A typical home is within reach of the typical income

We start with a typical home in Newberry, worth $142,400, 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 Newberry, which is $51,260 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Newberry. 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 $4,984 (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

$1,176

at 7.18% · 30 years

Loan amount
$139,821
Total interest
$201,169
Paid off in
November 2056

Includes $2,405 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,196 a month

    Your payment · 28%

  • Tight

    $1,196 to $1,538 a month

  • Hard

    more than $1,538 a month

Compared with the typical household income in Newberry ($51,260 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$1,176
Principal & interest$947
Property tax$107
Home insurance$59
FHA mortgage insurance (MIP)$63

You need at least $4,984 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

Newberry and Newberry County

Newberry is in Newberry 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).

Newberry's own numbers

Typical home value
$142,400
Typical monthly rent
$831
Typical yearly household income
$51,260
Households that own their home
50%
Effective property tax rate
0.9%

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

Numbers for all of Newberry County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$933
Price change over 5 years (FHFA)
+64%
Homes in a high flood-risk zone
1.5%

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 Newberry County.

Everything about Newberry County

Buying

Buying a home in Newberry

A typical home in Newberry is worth $142,400: 18% below the county and 45% below South Carolina. With the typical household income in Newberry ($51,260 a year), a typical home costs 2.8 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.

  • Newberry 2.8 years
  • County 2.8 years
  • South Carolina 3.7 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Newberry County

According to FHFA’s house price index, home prices in Newberry County rose 95% in the 10 years through 2025.

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

Period County South Carolina U.S.
Last year (2025) +5.5% +3.6% +2.9%
5 years (2020–2025) +64% +60% +47%
10 years (2015–2025) +95% +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

Newberry next to Newberry 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
  • Newberry $142,400
  • County $173,300
  • South Carolina $259,000
  • United States $332,700
Typical monthly rent
  • Newberry $831
  • County $872
  • South Carolina $1,180
  • United States $1,413
Typical yearly household income
  • Newberry $51,260
  • County $61,780
  • South Carolina $69,324
  • United States $80,734
See the full table
Newberry next to Newberry County and South Carolina
Measure Newberry Newberry County South Carolina U.S.
Typical home value $142,400 $173,300 $259,000 $332,700
Typical monthly rent $831 $872 $1,180 $1,413
Typical yearly household income $51,260 $61,780 $69,324 $80,734
Households that own their home 50% 73% 72% 65%
Typical yearly property tax $1,283 $1,154 $1,251 $3,119
Effective property tax rate 0.9% 0.67% 0.48% 0.94%
Renters with high rent for their income 34% 44% 52% 51%

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

For a typical $142,400 home in Newberry, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Newberry's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $1,176a month

    Least cash to close
    Down payment
    $4,984
    Cash to close
    $9,256
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $63

  • Conventional, 5% down $1,150a month

    Down payment
    $7,120
    Cash to close
    $11,392
    Rate
    7.18%
    Mortgage insurance
    PMI · $68

  • Conventional, 20% down, no PMI $938a month

    Down payment
    $28,480
    Cash to close
    $32,752
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $1,070a month

    Down payment
    $21,360
    Cash to close
    $25,632
    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 Newberry and for Newberry County.

Property tax

Effective rate in Newberry

0.9%of the home’s value each year

$1,283 a year for the typical owner in Newberry.

  • Newberry 0.9%
  • County 0.67%
  • 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 Newberry County

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

Homes in the high-risk zone
1.5%
287
Of those, with NFIP insurance
34%
County South Carolina U.S.
Homes in the high-risk zone 1.5% 4% 3.5%
Of those, with NFIP insurance 34% 85% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Newberry

Typical rent in Newberry is $831 a month: 5% below the county. In Newberry, 34% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Newberry County, by unit size. To pay the 2-bedroom one ($933 a month) without spending more than 30% of your income, you would need to earn $17.94 an hour working full time.

HUD fair market rent for all of Newberry 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 $678 $13.04 $27,120
1 bedroom $726 $13.96 $29,040
2 bedrooms $933 $17.94 $37,320
3 bedrooms $1,112 $21.38 $44,480
4 bedrooms $1,311 $25.21 $52,440

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 Newberry

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Newberry is in ZIP code 29108.

For 2 bedrooms it is $930: $3 less than the fair market rent for Newberry County ($933).

  • 29108 $930$1,110

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

HUD lists 13 buildings with rents for lower incomes in Newberry. These are the largest.

  • Julian Grant Homes 3571 Grant Ave, Newberry 29108 255 low-income homes · Run by Housing Authority of Newberry · Average payment: $379 a month · Average wait: 15 months (803) 276-1049
  • Nance Forest, ALP 175 Nance Forest Dr, Newberry 29108 74 low-income homes · For older adults (336) 265-6808
  • Bethlehem Comm Project 904A Suber Dr, Newberry 29108 60 low-income homes · Run by Housing Authority of Newberry · Average payment: $292 a month · Average wait: 16 months (803) 276-1049
  • Indian Hills 1935 Drayton St, Newberry 29108 60 low-income homes · 1 bd: 16 · 2 bd: 44 · In service since 2019 · For families
  • Newberry Arms Limited Partnership Building A, Newberry 29108 60 low-income homes · For families

See all 15 buildings in Newberry County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Newberry

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

A young woman and a young man point to a line in their notes beside a laptop in a library.

HUD counseling is free or low-cost

Assistance programs in Newberry

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

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

  • County First Initiative

    For Newberry 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 Newberry

The HUD-approved agencies closest to the center of Newberry, 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 · 34 miles away · Spanish

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

  • Telamon Corporation - Greenville Branch

    300A S Daniel Morgan Ave, Spartanburg · 49 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 · 50 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 Newberry

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 Newberry

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

  • Housing Authority of Newberry Public housing and Section 8 vouchers (803) 276-1049

All housing agencies in South Carolina Source: HUD

Cities

Nearby cities

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

Everything about Newberry County Housing in South Carolina

Neighboring counties

If Newberry 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 Newberry.

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

Questions

Housing questions about Newberry

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

The typical home value in Newberry is $142,400, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Newberry County it is $173,300.

How much does it cost to rent in Newberry?

Typical rent in Newberry is $831 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Newberry County is $933.

What is the FHA loan limit in Newberry?

Newberry uses the FHA limit for all of Newberry 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 Newberry?

The typical homeowner in Newberry pays $1,283 a year, according to the U.S. Census Bureau. That is 0.9% of the home’s value; in Newberry County, the rate is 0.67%.

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

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