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City · 38,910 residents · Spartanburg County, South Carolina

Spartanburg , South Carolina

In Spartanburg, a typical home is worth $203,700 and typical rent is $1,099 a month. Compared with all of Spartanburg County, typical household income is 22% lower, the typical home value is 13% lower, and the share of households that own their home is 19 points lower.

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  • Typical home value

    $203,700

    13% below the county

    21% below South Carolina

    • Spartanburg
    • County
    • South Carolina

  • Typical rent

    $1,099a month

    About the same as the county

    7% below South Carolina

    • Spartanburg
    • County
    • South Carolina

  • Typical household income

    $51,964a year

    22% below the county

    25% below South Carolina

    • Spartanburg
    • County
    • South Carolina

  • Households that own their home

    54%

    19 points below the county

    18 points below South Carolina

    • Spartanburg
    • County
    • South Carolina

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

Market now, with Zillow data

Zillow data
Typical home value
$229,696
0.5% more than 12 months ago
Typical rent
$1,374 a month
2.2% more than 12 months ago

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

Spartanburg is in Spartanburg 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 Spartanburg County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Spartanburg apart

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

  1. 54% of households in Spartanburg own their home, against 73% in Spartanburg County.

  2. Nearby, in Gaffney, the typical home value is $137,700: 32% less than in Spartanburg ($203,700).

  3. Nearby, in Gaffney, the typical rent is $887: 19% less than in Spartanburg ($1,099).

  4. The typical household income in Spartanburg is $51,964, 22% less than in Spartanburg County as a whole ($66,234).

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

The homes here

Housing in Spartanburg

What homes there are in Spartanburg, 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 are the majority in Spartanburg (63%), but less so than in Spartanburg County (72%).

Year built

Homes in Spartanburg are older: the typical year built is 1968; in Spartanburg County, 1990.

There are fewer big homes in Spartanburg than in Spartanburg County: 57% have 3 bedrooms or more, against 72%.

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 loan limit for Spartanburg County is $541,287, and about 92% of owner-occupied homes in Spartanburg are worth less than that.

Monthly rent with utilities

About 57% of rented homes in Spartanburg cost less than HUD's 2-bedroom fair market rent for Spartanburg County ($1,196); the rest cost more.

With a mortgage

$1,372 a month

Spartanburg County: $1,401 a month

Without a mortgage

$425 a month

Spartanburg County: $412 a month

Owners with a mortgage

59%

Spartanburg County: 60%

The typical cost for an owner with a mortgage in Spartanburg is $1,372 a month, near the figure in Spartanburg County ($1,401).

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

Much as in Spartanburg County, the typical home value in Spartanburg rose 62% since 2015–2019.

The typical rent in Spartanburg rose 36% since 2015–2019, about the same as in Spartanburg County (37%).

The typical household income in Spartanburg rose 30%: less than home values (+62%) and rent (+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

MeasureSpartanburgSpartanburg CountySouth CarolinaUnited States
Rental vacancy Unreliable estimate7.1%8.3%5.5%
Homeowner vacancy Unreliable estimate0.5%0.9%0.9%
More than one person per room Unreliable estimate2.5%2.0%3.4%
People per household 2.282.582.442.53
Drive alone 78%79%76%69%
Carpool 11%10%9%9%
Public transit Unreliable estimate0%0%3%
Walk or bike 3%1%2%3%
Work from home 7%9%12%15%
Other means Unreliable estimate1%2%2%
Typical commute 10 to 19 minutes20 to 29 minutes20 to 29 minutes20 to 29 minutes

On average, a household in Spartanburg has 2.28 people, fewer than in Spartanburg County (2.58).

To get to work, 78% of workers in Spartanburg drive alone; in Spartanburg County, 79%.

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 Spartanburg?

A typical home costs more than the typical income allows

We start with a typical home in Spartanburg, worth $203,700, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 38% of the typical household income in Spartanburg, which is $51,964 a year. For that payment to be 28% of income, a household would need to earn about $71,097 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Spartanburg. 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 $7,130 (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

$1,659

at 7.18% · 30 years

Loan amount
$200,010
Total interest
$287,767
Paid off in
November 2056

Includes $3,440 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,212 a month

  • Tight

    $1,212 to $1,559 a month

  • Hard

    more than $1,559 a month

    Your payment · 38%

Compared with the typical household income in Spartanburg ($51,964 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$1,659
Principal & interest$1,355
Property tax$129
Home insurance$85
FHA mortgage insurance (MIP)$90

You need at least $7,130 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

Spartanburg and Spartanburg County

Spartanburg is in Spartanburg 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).

Spartanburg's own numbers

Typical home value
$203,700
Typical monthly rent
$1,099
Typical yearly household income
$51,964
Households that own their home
54%
Effective property tax rate
0.76%

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

Numbers for all of Spartanburg County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,196
Price change over 5 years (FHFA)
+62%
Homes in a high flood-risk zone
0.2%

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 Spartanburg County.

Everything about Spartanburg County

Buying

Buying a home in Spartanburg

A typical home in Spartanburg is worth $203,700: 13% below the county and 21% below South Carolina. With the typical household income in Spartanburg ($51,964 a year), a typical home costs 3.9 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.

  • Spartanburg 3.9 years
  • County 3.5 years
  • South Carolina 3.7 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Spartanburg County

According to FHFA’s house price index, home prices in Spartanburg County rose 113% in the 10 years through 2025.

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

Period County South Carolina U.S.
Last year (2025) +3.5% +3.6% +2.9%
5 years (2020–2025) +62% +60% +47%
10 years (2015–2025) +113% +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

Spartanburg next to Spartanburg 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
  • Spartanburg $203,700
  • County $233,300
  • South Carolina $259,000
  • United States $332,700
Typical monthly rent
  • Spartanburg $1,099
  • County $1,084
  • South Carolina $1,180
  • United States $1,413
Typical yearly household income
  • Spartanburg $51,964
  • County $66,234
  • South Carolina $69,324
  • United States $80,734
See the full table
Spartanburg next to Spartanburg County and South Carolina
Measure Spartanburg Spartanburg County South Carolina U.S.
Typical home value $203,700 $233,300 $259,000 $332,700
Typical monthly rent $1,099 $1,084 $1,180 $1,413
Typical yearly household income $51,964 $66,234 $69,324 $80,734
Households that own their home 54% 73% 72% 65%
Typical yearly property tax $1,542 $1,274 $1,251 $3,119
Effective property tax rate 0.76% 0.55% 0.48% 0.94%
Renters with high rent for their income 55% 50% 52% 51%

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

For a typical $203,700 home in Spartanburg, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Spartanburg's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $1,659a month

    Least cash to close
    Down payment
    $7,130
    Cash to close
    $13,241
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $90

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

    Down payment
    $10,185
    Cash to close
    $16,296
    Rate
    7.18%
    Mortgage insurance
    PMI · $97

  • Conventional, 20% down, no PMI $1,318a month

    Down payment
    $40,740
    Cash to close
    $46,851
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $1,506a month

    Down payment
    $30,555
    Cash to close
    $36,666
    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 Spartanburg and for Spartanburg County.

Property tax

Effective rate in Spartanburg

0.76%of the home’s value each year

$1,542 a year for the typical owner in Spartanburg.

  • Spartanburg 0.76%
  • County 0.55%
  • 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 Spartanburg County

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

Homes in the high-risk zone
0.2%
190
Of those, with NFIP insurance
34%
County South Carolina U.S.
Homes in the high-risk zone 0.2% 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 Spartanburg

Typical rent in Spartanburg is $1,099 a month: about the same as the county. In Spartanburg, 55% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Spartanburg County, by unit size. To pay the 2-bedroom one ($1,196 a month) without spending more than 30% of your income, you would need to earn $23.00 an hour working full time.

HUD fair market rent for all of Spartanburg 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 $1,055 $20.29 $42,200
1 bedroom $1,099 $21.13 $43,960
2 bedrooms $1,196 $23.00 $47,840
3 bedrooms $1,457 $28.02 $58,280
4 bedrooms $1,722 $33.12 $68,880

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 Spartanburg

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Spartanburg has 4 ZIP codes with their own.

For 2 bedrooms it runs from $1,160 in 29307 to $1,360 in 29301.

1 of the 4 is above the fair market rent for Spartanburg County ($1,196).

  • 29301 $1,360$1,660
  • 29302 $1,180$1,440
  • 29306 $1,190$1,450
  • 29307 $1,160$1,410

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

HUD lists 32 buildings with rents for lower incomes in Spartanburg. These are the largest.

  • Sha7 Rad 2271 S Pine St, Spartanburg 29302 338 low-income homes · 1 bd: 66 · 2 bd: 158 · 3 bd: 100 · 4 bd: 14 · In service since 2017 · For families
  • Southside Projects 431 Dr Oc Kirkland Ter, Spartanburg 29306 230 low-income homes · 1 bd: 24 · 2 bd: 97 · 3 bd: 109 · In service since 2009
  • Companion at Franklin Square 701 Powell Mill Rd, Spartanburg 29301 192 low-income homes · 1 bd: 36 · 2 bd: 98 · 3 bd: 58 · In service since 2010
  • Robert Smalls Apartments 480 Wofford St, Spartanburg 29301 190 low-income homes · For families
  • Archibald Rutledge 764 N Church St, Spartanburg 29303 150 low-income homes · Run by Spartanburg Housing · Average payment: $260 a month (864) 598-6000

See all 62 buildings in Spartanburg County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Spartanburg

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 2 HUD-approved agencies with an office in Spartanburg County; none says it serves 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 Spartanburg

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

The HUD-approved agencies closest to the center of Spartanburg, 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 · 1 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 · 1 miles away

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

  • Greenville County Human Relations Commission

    301 University Rdg, Greenville · 28 miles away

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 8 more
    (864) 467-7095

Every agency in Spartanburg County All counseling agencies in South Carolina

Help in Spanish near Spartanburg

None 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 Spartanburg

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

  • Spartanburg Housing Public housing and Section 8 vouchers (864) 598-6000

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

Cities

Other cities in Spartanburg County

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

Everything about Spartanburg County Housing in South Carolina

Nearby cities

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

Neighboring counties

If Spartanburg 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 Spartanburg.

All guides
A family walks a boardwalk trail in the forest; one of them uses a wheelchair.

Questions

Housing questions about Spartanburg

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

The typical home value in Spartanburg is $203,700, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Spartanburg County it is $233,300.

How much does it cost to rent in Spartanburg?

Typical rent in Spartanburg is $1,099 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Spartanburg County is $1,196.

What is the FHA loan limit in Spartanburg?

Spartanburg uses the FHA limit for all of Spartanburg 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 Spartanburg?

The typical homeowner in Spartanburg pays $1,542 a year, according to the U.S. Census Bureau. That is 0.76% of the home’s value; in Spartanburg County, the rate is 0.55%.

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

There are 2 HUD-approved counseling agencies with an office in Spartanburg County. 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).