Rental DSCR · South Carolina
Where rent covers the loan in South Carolina
At a 7% example rate, a 3-bedroom rental on a mid-market home covers its full payment in 24 of 46 South Carolina counties (52%). The typical South Carolina county has a DSCR of 1.00. Among markets with at least 2,500 renter homes and a loan of $55,000 or more, the highest DSCRs are in Dillon County at 2.00, Marion County at 1.74 and Union County at 1.65.
The biggest rental markets
In South Carolina’s largest rental markets, the rent falls short of the payment in Greenville County (DSCR 0.94, break-even 6.3%), Richland County (DSCR 0.96, break-even 6.5%) and Charleston County (DSCR 0.78, break-even 4.3%).
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Financing a rental in South Carolina? Read Pinnacle Funding Network’s South Carolina DSCR loan guide.
Every South Carolina county, ranked
Ranked by DSCR at a 7% example rate on a mid-market home, 75% loan. † A 75% loan there is under $55,000, the smallest DSCR loan through Pinnacle Funding Network. * Small survey sample; treat as rough.
| # | County | Renter homes | 3-bed rent | Home price | DSCR at 7% (example) | Break-even rate |
|---|---|---|---|---|---|---|
| 1 | Dillon County* | 3,826 | $990 | $75,200 | 2.00 | 18.4% |
| 2 | Allendale County†* | 1,240 | $881 | $71,900 | 1.76 | 16.3% |
| 3 | Marion County* | 4,551 | $947 | $84,900 | 1.74 | 15.4% |
| 4 | Union County | 3,335 | $1,019 | $96,600 | 1.65 | 14.4% |
| 5 | Marlboro County | 3,623 | $849 | $77,700 | 1.65 | 14.7% |
| 6 | Williamsburg County | 2,904 | $824 | $92,000 | 1.38 | 11.5% |
| 7 | Sumter County | 13,093 | $1,330 | $158,200 | 1.38 | 11.2% |
| 8 | Chester County | 2,838 | $1,240 | $153,300 | 1.32 | 10.6% |
| 9 | Hampton County | 1,919 | $859 | $102,500 | 1.28 | 10.4% |
| 10 | Barnwell County* | 2,359 | $868 | $104,700 | 1.28 | 10.4% |
| 11 | Bamberg County* | 1,375 | $799 | $94,000 | 1.28 | 10.5% |
| 12 | Darlington County | 7,435 | $1,060 | $136,800 | 1.28 | 10.1% |
| 13 | Chesterfield County | 4,774 | $901 | $124,100 | 1.19 | 9.2% |
| 14 | Edgefield County* | 1,944 | $1,459 | $207,800 | 1.18 | 9.1% |
| 15 | Florence County | 18,764 | $1,241 | $175,700 | 1.18 | 9.1% |
| 16 | Orangeburg County | 10,928 | $805 | $108,300 | 1.17 | 9.0% |
| 17 | Lee County | 1,874 | $754 | $104,600 | 1.14 | 8.7% |
| 18 | Berkeley County | 23,850 | $2,019 | $310,800 | 1.12 | 8.3% |
| 19 | Laurens County | 7,690 | $1,101 | $166,600 | 1.10 | 8.2% |
| 20 | Saluda County | 1,635 | $957 | $141,200 | 1.10 | 8.2% |
| 21 | Cherokee County | 5,773 | $882 | $139,000 | 1.04 | 7.5% |
| 22 | Dorchester County | 15,458 | $2,002 | $337,500 | 1.01 | 7.1% |
| 23 | Horry County | 36,099 | $1,679 | $293,200 | 1.00 | 7.0% |
| 24 | Aiken County | 16,403 | $1,265 | $214,700 | 1.00 | 7.0% |
| 25 | Richland County | 66,738 | $1,433 | $245,800 | 0.96 | 6.5% |
| 26 | Jasper County* | 2,996 | $1,699 | $299,100 | 0.96 | 6.5% |
| 27 | Pickens County | 15,255 | $1,263 | $226,300 | 0.95 | 6.5% |
| 28 | McCormick County* | 508 | $960 | $164,300 | 0.95 | 6.4% |
| 29 | Fairfield County | 2,264 | $898 | $156,000 | 0.94 | 6.3% |
| 30 | Greenville County | 68,540 | $1,720 | $311,900 | 0.94 | 6.3% |
| 31 | Abbeville County | 2,134 | $925 | $165,200 | 0.93 | 6.2% |
| 32 | Anderson County | 21,105 | $1,228 | $231,500 | 0.90 | 5.8% |
| 33 | Clarendon County | 3,343 | $858 | $159,500 | 0.88 | 5.5% |
| 34 | Greenwood County | 9,199 | $908 | $171,300 | 0.87 | 5.4% |
| 35 | Spartanburg County | 35,578 | $1,227 | $238,100 | 0.86 | 5.3% |
| 36 | Colleton County | 4,382 | $830 | $159,500 | 0.85 | 5.1% |
| 37 | Newberry County | 4,123 | $862 | $169,800 | 0.82 | 4.7% |
| 38 | Beaufort County | 19,806 | $2,251 | $478,800 | 0.81 | 4.8% |
| 39 | Lexington County | 27,563 | $1,148 | $240,100 | 0.81 | 4.6% |
| 40 | Calhoun County* | 925 | $778 | $160,500 | 0.81 | 4.6% |
| 41 | York County | 28,979 | $1,655 | $358,700 | 0.79 | 4.5% |
| 42 | Charleston County | 64,625 | $2,246 | $508,700 | 0.78 | 4.3% |
| 43 | Kershaw County | 4,831 | $910 | $205,600 | 0.74 | Under 4% |
| 44 | Georgetown County | 4,353 | $1,075 | $272,400 | 0.68 | Under 4% |
| 45 | Lancaster County | 6,719 | $1,200 | $307,100 | 0.66 | Under 4% |
| 46 | Oconee County | 8,212 | $852 | $236,100 | 0.62 | Under 4% |
Rates on this page are a 7% example, not a quote or an offer. DSCR here is 3-bedroom rent divided by principal, interest, property tax and insurance on a 75% loan with a 30-year fixed payment. At 1.00 the rent pays all of it. Figures are estimates from public data, for education only.
Questions
In how many South Carolina counties does a 3-bedroom rental cover the payment at 7%?
At a 7% example rate, a 3-bedroom rental on a mid-market home covers its full payment in 24 of 46 South Carolina counties (52%). The typical South Carolina county has a DSCR of 1.00. Move the example rate and the count changes: 31 counties cover at 6%, 24 at 7% and 20 at 8%.
Where in South Carolina does rent go furthest against the payment?
Among markets with at least 2,500 renter homes and a loan of $55,000 or more, the highest DSCRs are in Dillon County at 2.00, Marion County at 1.74 and Union County at 1.65.
Do South Carolina’s biggest rental markets cover the payment?
In South Carolina’s largest rental markets, the rent falls short of the payment in Greenville County (DSCR 0.94, break-even 6.3%), Richland County (DSCR 0.96, break-even 6.5%) and Charleston County (DSCR 0.78, break-even 4.3%).
How is this calculated?
Rent is HUD’s FY2027 Fair Market Rent for a 3-bedroom, adjusted to each county. Home prices are about the 40th percentile of local values from the Census Bureau’s 2020 to 2024 American Community Survey, brought to mid-2026 with the FHFA house price index. Property tax uses each county’s effective rate and insurance starts from NAIC 2023 average premiums. DSCR is rent divided by principal, interest, tax and insurance on a 75% loan at a 7% example rate, which is not a quote or an offer.
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