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City · 75,259 residents · York County, South Carolina

Rock Hill , South Carolina

In Rock Hill, a typical home is worth $295,100 and typical rent is $1,341 a month. Compared with all of York County, typical household income is 23% lower, the typical home value is 18% lower, and the share of households that own their home is 20 points lower.

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  • Typical home value

    $295,100

    18% below the county

    14% above South Carolina

    • Rock Hill
    • York
    • South Carolina

  • Typical rent

    $1,341a month

    3% below the county

    14% above South Carolina

    • Rock Hill
    • York
    • South Carolina

  • Typical household income

    $68,771a year

    23% below the county

    About the same as South Carolina

    • Rock Hill
    • York
    • South Carolina

  • Households that own their home

    54%

    20 points below the county

    18 points below South Carolina

    • Rock Hill
    • York
    • South Carolina

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

Market now, with Zillow data

Zillow data
Typical home value
$319,971
1.9% less than 12 months ago
Typical rent
$1,517 a month
1.7% more than 12 months ago

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

Rock Hill is in York 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 York County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Rock Hill apart

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

  1. 54% of households in Rock Hill own their home, against 75% in York County.

  2. Nearby, in Clover, the typical rent is $841: 37% less than in Rock Hill ($1,341).

  3. Nearby, in York, the typical home value is $198,600: 33% less than in Rock Hill ($295,100).

  4. The typical household income in Rock Hill is $68,771, 23% less than in York County as a whole ($89,095).

  5. The typical home in Rock Hill is worth $295,100, 18% less than in York County as a whole ($361,300).

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

The homes here

Housing in Rock Hill

What homes there are in Rock Hill, 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 Rock Hill, 6 in 10 homes are single-family detached houses; in York County, 7.

Year built

The typical home in Rock Hill was built in 1994, 6 years before the typical one in York County.

In Rock Hill, 12% of homes have 1 bedroom or none (studios); 58% have 3 bedrooms or more, against 73% in York 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

By price, most homes in Rock Hill sit under the FHA limit for York County ($541,287): about 90%.

Monthly rent with utilities

HUD's 2-bedroom fair market rent (FMR) for York County is $1,785; about 81% of rents in Rock Hill are below it.

With a mortgage

$1,525 a month

York County: $1,768 a month

Without a mortgage

$490 a month

York County: $459 a month

Owners with a mortgage

69%

York County: 68%

Owning costs less in Rock Hill: with a mortgage, the typical cost is $1,525 a month; in York County, $1,768. Without one, $490.

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 Rock Hill gained value faster than in York County: 89% against 80%.

Much as in York County, the typical rent in Rock Hill rose 39% since 2015–2019.

While home values in Rock Hill changed +89% and rent +39%, the typical household income rose 36%.

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

MeasureRock HillYork CountySouth CarolinaUnited States
Rental vacancy 5.1%4.7%8.3%5.5%
Homeowner vacancy Unreliable estimate0.6%0.9%0.9%
More than one person per room 2.0%1.7%2.0%3.4%
People per household 2.312.552.442.53
Drive alone 76%73%76%69%
Carpool 8%7%9%9%
Public transit Unreliable estimate0%0%3%
Walk or bike 3%2%2%3%
Work from home 12%18%12%15%
Other means Unreliable estimate1%2%2%
Typical commute 20 to 29 minutes20 to 29 minutes20 to 29 minutes20 to 29 minutes

In Rock Hill, the rental vacancy rate is 5.1%, about the same as in York County.

Much as in York County, 2.0% of households in Rock Hill have more than one person per room.

Fewer people live in each home here: 2.31 on average, against 2.55 in York County.

To get to work, 76% of workers in Rock Hill drive alone; in York County, 73%.

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 Rock Hill?

A typical home costs more than the typical income allows

We start with a typical home in Rock Hill, worth $295,100, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 41% of the typical household income in Rock Hill, which is $68,771 a year. For that payment to be 28% of income, a household would need to earn about $100,468 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Rock Hill. 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 $10,329 (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

$2,344

at 7.18% · 30 years

Loan amount
$289,754
Total interest
$416,889
Paid off in
November 2056

Includes $4,983 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,605 a month

  • Tight

    $1,605 to $2,063 a month

  • Hard

    more than $2,063 a month

    Your payment · 41%

Compared with the typical household income in Rock Hill ($68,771 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$2,344
Principal & interest$1,963
Property tax$128
Home insurance$123
FHA mortgage insurance (MIP)$131

You need at least $10,329 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

Rock Hill and York County

Rock Hill is in York 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).

Rock Hill's own numbers

Typical home value
$295,100
Typical monthly rent
$1,341
Typical yearly household income
$68,771
Households that own their home
54%
Effective property tax rate
0.52%

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

Numbers for all of York County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,785
Price change over 5 years (FHFA)
+63%
Homes in a high flood-risk zone
0.3%

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 York County.

Everything about York County

Buying

Buying a home in Rock Hill

A typical home in Rock Hill is worth $295,100: 18% below the county and 14% above South Carolina. With the typical household income in Rock Hill ($68,771 a year), a typical home costs 4.3 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.

  • Rock Hill 4.3 years
  • York 4.1 years
  • South Carolina 3.7 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in York County

According to FHFA’s house price index, home prices in York County rose 118% in the 10 years through 2025.

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

Period County South Carolina U.S.
Last year (2025) +2.5% +3.6% +2.9%
5 years (2020–2025) +63% +60% +47%
10 years (2015–2025) +118% +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

Rock Hill next to York 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
  • Rock Hill $295,100
  • York $361,300
  • South Carolina $259,000
  • United States $332,700
Typical monthly rent
  • Rock Hill $1,341
  • York $1,387
  • South Carolina $1,180
  • United States $1,413
Typical yearly household income
  • Rock Hill $68,771
  • York $89,095
  • South Carolina $69,324
  • United States $80,734
See the full table
Rock Hill next to York County and South Carolina
Measure Rock Hill York County South Carolina U.S.
Typical home value $295,100 $361,300 $259,000 $332,700
Typical monthly rent $1,341 $1,387 $1,180 $1,413
Typical yearly household income $68,771 $89,095 $69,324 $80,734
Households that own their home 54% 75% 72% 65%
Typical yearly property tax $1,543 $1,740 $1,251 $3,119
Effective property tax rate 0.52% 0.48% 0.48% 0.94%
Renters with high rent for their income 54% 51% 52% 51%

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

For a typical $295,100 home in Rock Hill, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Rock Hill's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $2,344a month

    Least cash to close
    Down payment
    $10,329
    Cash to close
    $19,182
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $131

  • Conventional, 5% down $2,290a month

    Down payment
    $14,755
    Cash to close
    $23,608
    Rate
    7.18%
    Mortgage insurance
    PMI · $140

  • Conventional, 20% down, no PMI $1,850a month

    Down payment
    $59,020
    Cash to close
    $67,873
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $2,123a month

    Down payment
    $44,265
    Cash to close
    $53,118
    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 Rock Hill and for York County.

Property tax

Effective rate in Rock Hill

0.52%of the home’s value each year

$1,543 a year for the typical owner in Rock Hill.

  • Rock Hill 0.52%
  • York 0.48%
  • 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 York County

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

Homes in the high-risk zone
0.3%
273
Of those, with NFIP insurance
48%
County South Carolina U.S.
Homes in the high-risk zone 0.3% 4% 3.5%
Of those, with NFIP insurance 48% 85% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Rock Hill

Typical rent in Rock Hill is $1,341 a month: 3% below the county. In Rock Hill, 54% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of York County, by unit size. To pay the 2-bedroom one ($1,785 a month) without spending more than 30% of your income, you would need to earn $34.33 an hour working full time.

HUD fair market rent for all of York 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 $1,574 $30.27 $62,960
1 bedroom $1,640 $31.54 $65,600
2 bedrooms $1,785 $34.33 $71,400
3 bedrooms $2,179 $41.90 $87,160
4 bedrooms $2,773 $53.33 $110,920

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 Rock Hill

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Rock Hill has 3 ZIP codes with their own.

For 2 bedrooms it runs from $1,540 in 29730 to $1,570 in 29732.

None is above the fair market rent for York County ($1,785).

  • 29730 $1,540$1,880
  • 29732 $1,570$1,920
  • 29733 $1,550$1,890

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

HUD lists 22 buildings with rents for lower incomes in Rock Hill. These are the largest.

  • Workman Street 302 N Confederate Ave, Rock Hill 29730 369 low-income homes · Run by Housing Authority of Rock Hill · Average payment: $458 a month · Average wait: 22 months (803) 324-3060
  • Courtyard at Highland Park 923 Standard St, Rock Hill 29730 116 low-income homes · 1 bd: 94 · 2 bd: 22 · In service since 2005 · For older adults, people with disabilities
  • The Glens 1041 Glenarden Dr, Rock Hill 29730 88 low-income homes · For people with disabilities (803) 610-1941
  • Innsbrook Commons 514 Innsbrook Commons Cir, Rock Hill 29730 72 low-income homes · 2 bd: 48 · 3 bd: 24 · In service since 2007
  • Market Place Apt 1333 Coronet Ct, Rock Hill 29730 68 low-income homes · 1 bd: 16 · 2 bd: 20 · 3 bd: 20 · 4 bd: 12 · In service since 1999 · For people with disabilities, families (803) 327-9893

See all 38 buildings in York County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Rock Hill

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

A grandmother pushes her grandson on a playground swing.

HUD counseling is free or low-cost

Assistance programs in Rock Hill

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

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

  • Regenesis Community Development Corporation F/K/A Upstate Housing Partnership

    430 E Main St, Spartanburg · 51 miles away

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 8 more
    (864) 504-3090

  • Telamon Corporation - Greenville Branch

    300A S Daniel Morgan Ave, Spartanburg · 52 miles away

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 7 more
    (919) 899-9911

  • NSC (naca Counseling Subsidiary) - Columbia, SC

    810 Dutch Square Blvd Suite 220, Columbia · 63 miles away · Spanish

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

All counseling agencies in South Carolina

Help in Spanish near Rock Hill

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 Rock Hill

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

  • Housing Authority of Rock Hill Public housing and Section 8 vouchers (803) 324-3060

2 other authorities have an office in York County: see the list Source: HUD

Cities

Other cities in York County

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

Everything about York County Housing in South Carolina

Nearby cities

The cities closest to Rock Hill, with the typical home value.

Neighboring counties

If York 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 Rock Hill.

All guides
A mother and her daughters smile together on a mountain trail with a snowy peak behind them.

Questions

Housing questions about Rock Hill

Short answers with the numbers for Rock Hill and all of York 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 Rock Hill?

The typical home value in Rock Hill is $295,100, according to the U.S. Census Bureau (average 2020–2024). For comparison, in York County it is $361,300.

How much does it cost to rent in Rock Hill?

Typical rent in Rock Hill is $1,341 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in York County is $1,785.

What is the FHA loan limit in Rock Hill?

Rock Hill uses the FHA limit for all of York 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 Rock Hill?

The typical homeowner in Rock Hill pays $1,543 a year, according to the U.S. Census Bureau. That is 0.52% of the home’s value; in York County, the rate is 0.48%.

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

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