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New Report Fall 2026 Housing Affordability Report: every state is less affordable than in late August as average 30-year mortgage rates passed 7%. Read the report

Edisto Beach, SC Housing Affordability Index

Edisto Beach, South Carolina has an MBR Housing Affordability Index score of 67.8 (Significantly Less Affordable) as of October 30, 2026, ranking 278th most affordable of 281 scored South Carolina cities, compared with 112.4 statewide and 97.4 nationally. On a median-priced $719,200 home with 20% down, the South Carolina average 30-year fixed rate of 7.24% means a monthly principal and interest payment of about $3,923, or 55% of the city’s $85,521 median household income.

The MBR Housing Affordability Index (MBR-HAI) for Edisto Beach is updated every night from live South Carolina mortgage rates and U.S. Census Bureau income, home value and housing cost data for the city. A score of 100 equals the national average; higher scores mean homeownership is more affordable.

Edisto Beach MBR-HAI 67.8 Significantly Less Affordable
Rank in South Carolina 278 of 281 1 = most affordable
South Carolina 112.4 Statewide score
National 97.4 100 = baseline
Avg 30-yr rate 7.24% South Carolina lenders
Median home value $719,200 U.S. Census Bureau

Edisto Beach is 44.5 points below the South Carolina score. Scores as of October 30, 2026. See the South Carolina index

View Edisto Beach Mortgage Rates

What It Takes to Buy in Edisto Beach

$3,923/mo
Principal & Interest
Median home, 20% down, 7.24%
$168,100
Income Needed
To keep the payment at 28% of income
$85,521
Median Household Income
South Carolina: $69,324
8.4x
Price-to-Income Ratio
South Carolina: 3.7x
$1,840/mo
Median Owner Costs
Mortgage, taxes, insurance, utilities
$3,881/yr
Median Property Tax
0.54% of median value
47.6%
Owner Cost Burden
Owners spending 30%+ of income on housing
43.2%
Renter Cost Burden
Renters spending 30%+ of income on rent

Source: U.S. Census Bureau American Community Survey 5-Year Estimates (2024) for Edisto Beach, South Carolina. The rate is the South Carolina average 30-year fixed rate from MonitorBankRates, since lenders publish rates by state.

How Edisto Beach Ranks in South Carolina

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Cite the Edisto Beach Score

“MonitorBankRates (MBR) Housing Affordability Index, MonitorBankRates.com, October 30, 2026. Edisto Beach, South Carolina score: 67.8 (Significantly Less Affordable), ranked 278 of 281 South Carolina cities. monitorbankrates.com/housing-affordability-index/south-carolina/edisto-beach”