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City · 15,921 residents · Lexington County, South Carolina

Seven Oaks , South Carolina

In Seven Oaks, a typical home is worth $208,400 and typical rent is $1,246 a month. Compared with all of Lexington County, typical household income is 19% lower, the typical home value is 11% lower, and the share of households that own their home is 15 points lower.

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  • Typical home value

    $208,400

    11% below the county

    20% below South Carolina

    • Seven Oaks
    • Lexington
    • South Carolina

  • Typical rent

    $1,246a month

    6% above the county

    6% above South Carolina

    • Seven Oaks
    • Lexington
    • South Carolina

  • Typical household income

    $62,955a year

    19% below the county

    9% below South Carolina

    • Seven Oaks
    • Lexington
    • South Carolina

  • Households that own their home

    62%

    15 points below the county

    10 points below South Carolina

    • Seven Oaks
    • Lexington
    • South Carolina

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

Seven Oaks 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 Seven Oaks apart

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

  1. 62% of households in Seven Oaks own their home, against 77% in Lexington County.

  2. Nearby, in St. Andrews, the typical home value is $161,300: 23% less than in Seven Oaks ($208,400).

  3. Nearby, in Oak Grove, the typical rent is $1,045: 16% less than in Seven Oaks ($1,246).

  4. The typical household income in Seven Oaks is $62,955, 19% less than in Lexington County as a whole ($77,408).

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

The homes here

Housing in Seven Oaks

What homes there are in Seven Oaks, 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 Seven Oaks, 6 in 10 homes are single-family detached houses; in Lexington County, 7.

Year built

In Seven Oaks, half of the homes were built before 1974; in Lexington County, before 1993.

There are fewer big homes in Seven Oaks than in Lexington County: 70% have 3 bedrooms or more, against 77%.

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

$1,246 a month

Lexington County: $1,403 a month

Without a mortgage

$415 a month

Lexington County: $422 a month

Owners with a mortgage

61%

Lexington County: 63%

In Seven Oaks, 61% of owners have a mortgage, and their typical cost is $1,246 a month, against $1,403 in Lexington County. Without one it drops to $415.

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

From 2015–2019 to 2020–2024, the typical home value in Seven Oaks rose 39%; in Lexington County, it rose 49%.

The typical rent in Seven Oaks rose 33% over the same time; in Lexington County, it rose 29%.

Housing prices ran ahead of income in Seven Oaks: typical income rose 12%, against +39% 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

MeasureSeven OaksLexington 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 2.302.482.442.53
Drive alone 71%77%76%69%
Carpool 15%9%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 Unreliable estimate20 to 29 minutes20 to 29 minutes20 to 29 minutes

Fewer people live in each home here: 2.30 on average, against 2.48 in Lexington County.

More people carpool to work in Seven Oaks than in Lexington County: 15% against 9%.

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 Seven Oaks?

A typical home is tight for the typical income

We start with a typical home in Seven Oaks, worth $208,400, 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 Seven Oaks, which is $62,955 a year. For that payment to be 28% of income, a household would need to earn about $70,430 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 Seven Oaks. 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 $7,294 (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

$1,643

at 7.18% · 30 years

Loan amount
$204,625
Total interest
$294,408
Paid off in
November 2056

Includes $3,519 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,469 a month

  • Tight

    $1,469 to $1,889 a month

    Your payment · 31%

  • Hard

    more than $1,889 a month

Compared with the typical household income in Seven Oaks ($62,955 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$1,643
Principal & interest$1,386
Property tax$78
Home insurance$87
FHA mortgage insurance (MIP)$92

You need at least $7,294 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

Seven Oaks and Lexington County

Seven Oaks 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).

Seven Oaks's own numbers

Typical home value
$208,400
Typical monthly rent
$1,246
Typical yearly household income
$62,955
Households that own their home
62%
Effective property tax rate
0.45%

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 Seven Oaks

A typical home in Seven Oaks is worth $208,400: 11% below the county and 20% below South Carolina. With the typical household income in Seven Oaks ($62,955 a year), a typical home costs 3.3 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.

  • Seven Oaks 3.3 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

Seven Oaks 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
  • Seven Oaks $208,400
  • Lexington $234,500
  • South Carolina $259,000
  • United States $332,700
Typical monthly rent
  • Seven Oaks $1,246
  • Lexington $1,178
  • South Carolina $1,180
  • United States $1,413
Typical yearly household income
  • Seven Oaks $62,955
  • Lexington $77,408
  • South Carolina $69,324
  • United States $80,734
See the full table
Seven Oaks next to Lexington County and South Carolina
Measure Seven Oaks Lexington County South Carolina U.S.
Typical home value $208,400 $234,500 $259,000 $332,700
Typical monthly rent $1,246 $1,178 $1,180 $1,413
Typical yearly household income $62,955 $77,408 $69,324 $80,734
Households that own their home 62% 77% 72% 65%
Typical yearly property tax $930 $1,151 $1,251 $3,119
Effective property tax rate 0.45% 0.49% 0.48% 0.94%
Renters with high rent for their income 58% 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 Seven Oaks

For a typical $208,400 home in Seven Oaks, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Seven Oaks's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $1,643a month

    Least cash to close
    Down payment
    $7,294
    Cash to close
    $13,546
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $92

  • Conventional, 5% down $1,605a month

    Down payment
    $10,420
    Cash to close
    $16,672
    Rate
    7.18%
    Mortgage insurance
    PMI · $99

  • Conventional, 20% down, no PMI $1,294a month

    Down payment
    $41,680
    Cash to close
    $47,932
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $1,487a month

    Down payment
    $31,260
    Cash to close
    $37,512
    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 Seven Oaks and for Lexington County.

Property tax

Effective rate in Seven Oaks

0.45%of the home’s value each year

$930 a year for the typical owner in Seven Oaks.

  • Seven Oaks 0.45%
  • 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 Seven Oaks

Typical rent in Seven Oaks is $1,246 a month: 6% above the county. In Seven Oaks, 58% 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 Seven Oaks

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

For 2 bedrooms it runs from $1,290 in 29210 to $1,430 in 29212.

2 of the 2 are above the fair market rent for Lexington County ($1,226).

  • 29210 $1,290$1,630
  • 29212 $1,430$1,800

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

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 leans over the armchair where a girl is reading a book.

HUD counseling is free or low-cost

Assistance programs in Seven Oaks

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

The HUD-approved agencies closest to the center of Seven Oaks, 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 · 3 miles away · Spanish

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

  • New America Corporation

    1136 Russell St, Orangeburg · 42 miles away

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

  • Southeastern Housing & Community Development Fka Southeastern Housing Foundation

    986 Doyle St, Orangeburg · 42 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 Seven Oaks

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 Seven Oaks

In HUD’s record, no housing authority with an office in Lexington County is named for Seven Oaks 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 Seven Oaks, 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 Seven Oaks.

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

Questions

Housing questions about Seven Oaks

Short answers with the numbers for Seven Oaks 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 Seven Oaks?

The typical home value in Seven Oaks is $208,400, 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 Seven Oaks?

Typical rent in Seven Oaks is $1,246 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 Seven Oaks?

Seven Oaks 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 Seven Oaks?

The typical homeowner in Seven Oaks pays $930 a year, according to the U.S. Census Bureau. That is 0.45% of the home’s value; in Lexington County, the rate is 0.49%.

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

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).