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City · 12,256 residents · Lexington County, South Carolina

Oak Grove , South Carolina

In Oak Grove, a typical home is worth $210,300 and typical rent is $1,045 a month. Compared with all of Lexington County, typical rent is 11% lower and the typical home value is 10% lower.

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  • Typical home value

    $210,300

    10% below the county

    19% below South Carolina

    • Oak Grove
    • Lexington
    • South Carolina

  • Typical rent

    $1,045a month

    11% below the county

    11% below South Carolina

    • Oak Grove
    • Lexington
    • South Carolina

  • Typical household income

    $74,554a year

    4% below the county

    8% above South Carolina

    • Oak Grove
    • Lexington
    • South Carolina

  • Households that own their home

    81%

    4 points above the county

    9 points above South Carolina

    • Oak Grove
    • Lexington
    • South Carolina

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

Market now, with Zillow data

Zillow data
Typical home value
$239,835
1.9% more than 12 months ago

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

Oak Grove is in Lexington 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 Lexington County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Oak Grove apart

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

  1. Nearby, in St. Andrews, the typical home value is $161,300: 23% less than in Oak Grove ($210,300).

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

The homes here

Housing in Oak Grove

What homes there are in Oak Grove, 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

Detached houses, standing on their own, make up 80% of homes here, against 71% in Lexington County.

Year built

In Oak Grove, half of the homes were built before 1991; in Lexington County, before 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 99% of owner-occupied homes in Oak Grove sit below it: they are worth less than $500,000.

Monthly rent with utilities

With a mortgage

$1,188 a month

Lexington County: $1,403 a month

Without a mortgage

$419 a month

Lexington County: $422 a month

Owners with a mortgage

67%

Lexington County: 63%

The typical cost for an owner with a mortgage in Oak Grove is $1,188 a month, less than in Lexington County ($1,403); without one, $419.

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 Oak Grove with 2015–2019 because its boundaries changed. In Lexington County, over that time, the typical home value rose 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

MeasureOak GroveLexington CountySouth CarolinaUnited States
Rental vacancy Unreliable estimate4.0%8.3%5.5%
Homeowner vacancy Unreliable estimate0.4%0.9%0.9%
More than one person per room Unreliable estimate1.9%2.0%3.4%
People per household 2.412.482.442.53
Drive alone 79%77%76%69%
Carpool Unreliable estimate9%9%9%
Public transit Unreliable estimateUnreliable estimate0%3%
Walk or bike Unreliable estimate1%2%3%
Work from home 12%12%12%15%
Other means Unreliable estimate1%2%2%
Typical commute 20 to 29 minutes20 to 29 minutes20 to 29 minutes20 to 29 minutes

By size, households in Oak Grove look like those in Lexington County: 2.41 people on average.

To get to work, 79% of workers in Oak Grove drive alone; in Lexington County, 77%.

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 Oak Grove?

A typical home is within reach of the typical income

We start with a typical home in Oak Grove, worth $210,300, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 27% of the typical household income in Oak Grove, which is $74,554 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Oak Grove. 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 $7,361 (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

$1,660

at 7.18% · 30 years

Loan amount
$206,490
Total interest
$297,091
Paid off in
November 2056

Includes $3,551 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,740 a month

    Your payment · 27%

  • Tight

    $1,740 to $2,237 a month

  • Hard

    more than $2,237 a month

Compared with the typical household income in Oak Grove ($74,554 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$1,660
Principal & interest$1,399
Property tax$81
Home insurance$88
FHA mortgage insurance (MIP)$93

You need at least $7,361 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

Oak Grove and Lexington County

Oak Grove is in Lexington 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).

Oak Grove's own numbers

Typical home value
$210,300
Typical monthly rent
$1,045
Typical yearly household income
$74,554
Households that own their home
81%
Effective property tax rate
0.46%

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

Numbers for all of Lexington County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,226
Price change over 5 years (FHFA)
+60%
Homes in a high flood-risk zone
1.2%

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 Lexington County.

Everything about Lexington County

Buying

Buying a home in Oak Grove

A typical home in Oak Grove is worth $210,300: 10% below the county and 19% below South Carolina. With the typical household income in Oak Grove ($74,554 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.

  • Oak Grove 2.8 years
  • Lexington 3.0 years
  • South Carolina 3.7 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Lexington County

According to FHFA’s house price index, home prices in Lexington County rose 94% in the 10 years through 2025.

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

Period County South Carolina U.S.
Last year (2025) +3.7% +3.6% +2.9%
5 years (2020–2025) +60% +60% +47%
10 years (2015–2025) +94% +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

Oak Grove next to Lexington 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
  • Oak Grove $210,300
  • Lexington $234,500
  • South Carolina $259,000
  • United States $332,700
Typical monthly rent
  • Oak Grove $1,045
  • Lexington $1,178
  • South Carolina $1,180
  • United States $1,413
Typical yearly household income
  • Oak Grove $74,554
  • Lexington $77,408
  • South Carolina $69,324
  • United States $80,734
See the full table
Oak Grove next to Lexington County and South Carolina
Measure Oak Grove Lexington County South Carolina U.S.
Typical home value $210,300 $234,500 $259,000 $332,700
Typical monthly rent $1,045 $1,178 $1,180 $1,413
Typical yearly household income $74,554 $77,408 $69,324 $80,734
Households that own their home 81% 77% 72% 65%
Typical yearly property tax $974 $1,151 $1,251 $3,119
Effective property tax rate 0.46% 0.49% 0.48% 0.94%
Renters with high rent for their income 55% 48% 52% 51%

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

For a typical $210,300 home in Oak Grove, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Oak Grove's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $1,660a month

    Least cash to close
    Down payment
    $7,361
    Cash to close
    $13,670
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $93

  • Conventional, 5% down $1,622a month

    Down payment
    $10,515
    Cash to close
    $16,824
    Rate
    7.18%
    Mortgage insurance
    PMI · $100

  • Conventional, 20% down, no PMI $1,308a month

    Down payment
    $42,060
    Cash to close
    $48,369
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $1,502a month

    Down payment
    $31,545
    Cash to close
    $37,854
    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 Oak Grove and for Lexington County.

Property tax

Effective rate in Oak Grove

0.46%of the home’s value each year

$974 a year for the typical owner in Oak Grove.

  • Oak Grove 0.46%
  • Lexington 0.49%
  • 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 Lexington County

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

Homes in the high-risk zone
1.2%
1,395
Of those, with NFIP insurance
67%
County South Carolina U.S.
Homes in the high-risk zone 1.2% 4% 3.5%
Of those, with NFIP insurance 67% 85% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Oak Grove

Typical rent in Oak Grove is $1,045 a month: 11% below the county. In Oak Grove, 55% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Lexington County, by unit size. To pay the 2-bedroom one ($1,226 a month) without spending more than 30% of your income, you would need to earn $23.58 an hour working full time.

HUD fair market rent for all of Lexington 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 $992 $19.08 $39,680
1 bedroom $1,126 $21.65 $45,040
2 bedrooms $1,226 $23.58 $49,040
3 bedrooms $1,546 $29.73 $61,840
4 bedrooms $1,754 $33.73 $70,160

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 Oak Grove

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

For 2 bedrooms it is $1,150 in all of them.

None is above the fair market rent for Lexington County ($1,226).

  • 29073 $1,150$1,470
  • 29170 $1,150$1,470

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

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

A man listens closely, seated at a meeting table.

HUD counseling is free or low-cost

Assistance programs in Oak Grove

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

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

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

  • New America Corporation

    1136 Russell St, Orangeburg · 38 miles away

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

  • Southeastern Housing & Community Development Fka Southeastern Housing Foundation

    986 Doyle St, Orangeburg · 38 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 Oak Grove

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 Oak Grove

In HUD’s record, no housing authority with an office in Lexington County is named for Oak Grove or Lexington County.

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

Cities

Other cities in Lexington County

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

Everything about Lexington County Housing in South Carolina

Nearby cities

The cities closest to Oak Grove, with the typical home value.

Neighboring counties

If Lexington 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 Oak Grove.

All guides
A mother holds hands with her two daughters on the beach at sunset.

Questions

Housing questions about Oak Grove

Short answers with the numbers for Oak Grove and all of Lexington 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 Oak Grove?

The typical home value in Oak Grove is $210,300, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Lexington County it is $234,500.

How much does it cost to rent in Oak Grove?

Typical rent in Oak Grove is $1,045 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Lexington County is $1,226.

What is the FHA loan limit in Oak Grove?

Oak Grove uses the FHA limit for all of Lexington 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 Oak Grove?

The typical homeowner in Oak Grove pays $974 a year, according to the U.S. Census Bureau. That is 0.46% of the home’s value; in Lexington County, the rate is 0.49%.

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

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