What makes a South Carolina rent-to-own market 'cheap'?

Low estimated monthly payment relative to local incomes. Sub-$1,500/month markets are the most accessible.

Are option fees included?

We assume 10% option fee credited toward purchase; the monthly payment estimate excludes that up-front amount.

Does this guarantee a home at this price?

No. Listings vary; this is a market-level estimate to compare cities side-by-side.

Buyer authority SC

Cheapest rent-to-own markets in South Carolina.

Rent-to-own works best where monthly carrying costs are reachable on a typical household income. This ranks South Carolina by estimated monthly payment on a median-priced home with a 10% option fee.

Last updated November 2026

South Carolina ranking

50 cities ranked. Click any row for the matching local page.

#	City	Est. monthly payment	Score
1	Latta	$1,339/mo	85	View →
2	Bishopville	$1,372/mo	84	View →
3	Pageland	$1,363/mo	84	View →
4	Bennettsville	$1,388/mo	83	View →
5	Dillon	$1,380/mo	83	View →
6	Cheraw	$1,412/mo	83	View →
7	Kingstree	$1,404/mo	83	View →
8	Mullins	$1,380/mo	83	View →
9	Andrews	$1,380/mo	83	View →
10	Beech Island	$1,396/mo	83	View →
11	Laurens	$1,444/mo	82	View →
12	Chester	$1,436/mo	82	View →
13	Marion	$1,428/mo	82	View →
14	Abbeville	$1,436/mo	82	View →
15	Blacksburg	$1,428/mo	82	View →
16	Hemingway	$1,420/mo	82	View →
17	Walterboro	$1,460/mo	81	View →
18	Union	$1,468/mo	81	View →
19	Gaston	$1,460/mo	81	View →
20	Manning	$1,460/mo	81	View →
21	Loris	$1,452/mo	81	View →
22	Clinton	$1,452/mo	81	View →
23	Ridgeland	$1,468/mo	81	View →
24	Winnsboro	$1,476/mo	81	View →
25	Kershaw	$1,468/mo	81	View →
26	Saluda	$1,468/mo	81	View →
27	Cowpens	$1,452/mo	81	View →
28	Hardeeville	$1,468/mo	81	View →
29	Saint Stephen	$1,468/mo	81	View →
30	Liberty	$1,516/mo	80	View →
31	Westminster	$1,492/mo	80	View →
32	Lake City	$1,492/mo	80	View →
33	Walhalla	$1,484/mo	80	View →
34	Timmonsville	$1,492/mo	80	View →
35	Batesburg	$1,484/mo	80	View →
36	Pendleton	$1,516/mo	80	View →
37	Newberry	$1,524/mo	79	View →
38	Woodruff	$1,548/mo	79	View →
39	Barnwell	$1,540/mo	79	View →
40	Ridgeville	$1,548/mo	79	View →
41	Edgefield	$1,564/mo	78	View →
42	Lancaster	$1,604/mo	77	View →
43	Gaffney	$1,620/mo	77	View →
44	Darlington	$1,588/mo	77	View →
45	Little River	$1,596/mo	77	View →
46	Central	$1,620/mo	77	View →
47	Honea Path	$1,588/mo	77	View →
48	Saint Matthews	$1,604/mo	77	View →
49	Conway	$1,652/mo	76	View →
50	Pickens	$1,652/mo	76	View →

Methodology

Estimated monthly payment = (median home price × 0.9) amortized at 8% over 30 years + 1.2% taxes + 0.5% insurance, divided by 12. Lower payment = better rent-to-own market.

FAQ

What makes a South Carolina rent-to-own market 'cheap'?: Low estimated monthly payment relative to local incomes. Sub-$1,500/month markets are the most accessible.
Are option fees included?: We assume 10% option fee credited toward purchase; the monthly payment estimate excludes that up-front amount.
Does this guarantee a home at this price?: No. Listings vary; this is a market-level estimate to compare cities side-by-side.