Guide
How South Carolina buyers should use this benchmark
South Carolina borrowers should compare occupancy type, coastal insurance, and lender fees before locking.
Updated July 02, 2026
Mortgage Rates Today in South Carolina
South Carolina borrowers can use the national PMMS benchmark as a starting point, then adjust for insurance, property taxes, and coastal or second-home pricing.
Data source: Freddie Mac PMMS. Rates are planning benchmarks, not guaranteed lender offers.
Featured benchmark
6.43%APR 6.58%
Weekly PMMS benchmark for conforming purchase loans
Current rate table
Compare the weekly fixed-rate benchmark with a refinance planning estimate before requesting personalized quotes.
30-Year Fixed
Weekly PMMS benchmark for conforming purchase loans
Rate
6.43%
APR
6.58%
15-Year Fixed
Shorter term with lower lifetime interest
Rate
5.79%
APR
5.94%
Refinance Planning
Planning estimate based on the 30-year benchmark plus lender spread
Rate
6.58%
APR
6.73%
Calculator
South Carolina mortgage payment estimate
Estimate principal and interest with the current fixed-rate benchmark, then add local tax, insurance, and HOA assumptions for a full payment view.
Estimated monthly principal and interest
$1,757
Loan principal$280,000
Total interest$352,491
Total paid$632,491
Guide
What to verify with South Carolina lenders
Ask whether the quote assumes primary residence pricing and how insurance is estimated.
Frequently asked questions
Are South Carolina mortgage rates different from national rates?
They can be. National averages are useful benchmarks, but actual quotes vary by lender, borrower profile, loan size, property type, occupancy, points, and local market factors.
How many South Carolina mortgage quotes should I compare?
Compare at least three quotes on the same day, and review APR, lender fees, points, credits, lock period, and cash-to-close before choosing.
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