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Charleston County, SC · Rates for Oct 30, 2026

Charleston County mortgage rates with ZERO Closing Costs

ZERO Closing Costs on eligible loans
Free quote. No credit check.
Local experts, family-owned since 1997

ZERO Closing Costs
4.8 Google
5.0 Zillow
NMLS #67717

Home price$Down payment

7.250%30-year fixed · 7.250% APR

15-year fixed: 6.750% (6.750% APR).

Monthly principal & interest: $2,729
Lender fees: ~~$3,180~~ ZERO

See my rate Get Pre-Approved

Rates as of Oct 30, 2026, 4:58 PM ET for a $500,000 home, 20% down, 780+ credit, primary home. Restrictions apply. Example: the payment applies that rate to your numbers, principal and interest only. Your rate may differ.

Lender fees you won’t pay

$3,180

typical lender and title fees, paid or waived by CapCenter

Origination fee~~$1,300~~ZERO
Appraisal~~$500~~ZERO
Settlement, title services & lender’s title~~$1,220~~ZERO
Credit, data & flood~~$160~~ZERO

Typical fees on a $500,000 purchase quote in Richmond, VA. Your quote shows yours.

“Refinanced our house through CapCenter and it was the easiest, most pain-free mortgage experience I’ve ever had. […]”

Chris C.Refinanced · Richmond, VA · Google review, excerpt

Family-owned since 1997

Today in Charleston County

Loan	Rate	APR
Conventional 30-yr	7.250%	7.250%
Conventional 15-yr	6.750%	6.750%
Veteran 30-yr	6.750%	6.872%
FHA 30-yr	6.750%	7.240%

Today’s ZERO Closing Cost Rates in Charleston County, SC

Charleston County, SC · Updated Oct 30, 2026, 4:58 PM ET

$500K · Charleston County$500,000 home · $100,000 down · Charleston County, SC · 780+ · Primary

Tap any rate to see your full quote.Click any rate to see your full quote.

Conventional

Conventional 30-yr fixed rates

No points

RatePointsAPRClosingClosing costs

7.250%7.250% APR0.0007.250%ZERO 7.125%7.162% APR0.3757.162%ZERO 7.000%7.075% APR0.7507.075%ZERO 6.875%6.999% APR1.2506.999%ZERO 6.750%6.923% APR1.7506.923%ZERO

Conventional 15-yr fixed rates

No points

RatePointsAPRClosingClosing costs

6.750%6.750% APR0.0006.750%ZERO 6.500%6.560% APR0.3756.560%ZERO 6.250%6.409% APR1.0006.409%ZERO 6.125%6.363% APR1.5006.363%ZERO 6.000%6.277% APR1.7506.277%ZERO

Veteran

Veteran Affairs (VA) loans are only available to US armed forces, veterans, and surviving spouses. Select FHA or Conventional if you are not eligible for a VA Loan.

Veteran 30-yr fixed rates

No points

RatePointsAPRClosingClosing costs

6.750%6.872% APR0.0006.872%ZERO 6.625%6.795% APR0.5006.795%ZERO 6.375%6.604% APR1.1256.604%ZERO 6.250%6.527% APR1.6256.527%ZERO 6.125%6.449% APR2.1256.449%ZERO

Veteran 15-yr fixed rates

Fewest points

RatePointsAPRClosingClosing costs

6.500%6.819% APR0.7506.819%ZERO 6.125%6.461% APR0.8756.461%ZERO 6.000%6.355% APR1.0006.355%ZERO 5.875%6.289% APR1.3756.289%ZERO 5.625%6.137% APR2.0006.137%ZERO

FHA

FHA 30-yr fixed rates

No points

RatePointsAPRClosingClosing costs

6.750%7.240% APR0.0007.240%ZERO 6.500%7.063% APR0.3757.063%ZERO 6.375%6.987% APR0.8756.987%ZERO 6.250%6.937% APR1.6256.937%ZERO 6.125%6.847% APR2.0006.847%ZERO

FHA 15-yr fixed rates

Fewest points

RatePointsAPRClosingClosing costs

6.500%6.978% APR0.3756.978%ZERO 6.125%6.620% APR0.5006.620%ZERO 6.000%6.554% APR0.8756.554%ZERO 5.875%6.510% APR1.3756.510%ZERO 5.625%6.297% APR1.6256.297%ZERO

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2026 loan limits

The 2026 conforming loan limit in Charleston County, SC is $832,750 for a one-unit home. The 2026 FHA loan limit in Charleston County, SC is $690,000 for a one-unit home.

2026 loan limits in Charleston County, SC, by number of units
Units	Conforming	FHA
1 unit	$832,750	$690,000
2 units	$1,066,250	$883,300
3 units	$1,288,800	$1,067,750
4 units	$1,601,750	$1,326,950

2026 limits for Charleston County, SC. Sources: FHFA 2026 conforming loan limits and HUD 2026 FHA mortgage limits.

In this area

Cities in Charleston County:Charleston,Mount Pleasant

Mortgage rates near Charleston County

All South Carolina mortgage rates

Charleston Mount Pleasant Goose Creek Summerville Berkeley County Colleton County Dorchester County Allendale County

Charleston County rates by loan type

Conventional Mortgage Rates Veteran Mortgage Rates FHA Mortgage Rates Conventional Refinance Rates Veteran Refinance Rates FHA Refinance Rates Home Equity Loan Rates

Restrictions apply. See CapCenter.com for details. NMLS ID #67717, nmlsconsumeraccess.org. Rates are estimates and subject to change without notice.

How it works

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We pay or waive the lender fees.

Charleston County facts

2026 conforming limit: $832,750one-unit home
2026 FHA limit: $690,000one-unit home
Our office: 170 Meeting Street STE 110, Charleston
843-501-2366

Limits: FHFA and HUD 2026 files.

Questions

What are mortgage rates in Charleston County today?

On Oct 30, 2026: 7.250% (7.250% APR) for a 30-year fixed, 6.750% (6.750% APR) for a 15-year fixed. Both with ZERO Closing Costs.

Are Charleston County rates different from Richmond’s?

Yes, on Oct 30, 2026: 7.250% here and 7.125% in Richmond, for the same scenario.

Do these rates include closing costs?

Yes. Every rate includes ZERO Closing Costs. Points are the one optional cost.

Is there an office in Charleston County?

Yes. Our office is at 170 Meeting Street STE 110, Charleston.

Nearby for Charleston County

Rates nearby: Charleston mortgage rates Mount Pleasant mortgage rates Berkeley County mortgage rates Dorchester County mortgage rates
Loan limits: Charleston County loan limits Berkeley County loan limits Dorchester County loan limits
Lender: Mortgage lender in the Charleston area
Up: Charleston area South Carolina mortgage rates All mortgage rate locations

Restrictions apply. See CapCenter.com for details. NMLS ID #67717, nmlsconsumeraccess.org. Equal Housing Lender. Rates are estimates and subject to change without notice.