1st Advantage MortgageIn Edgefield County, South Carolina, the median household earns $73,029 a year and 80% of homes are owner-occupied. Compare personal loan offers by APR and total cost, confirm every fee in dollars, and check the lender's South Carolina license. Your own income, debts and credit decide what you qualify for.
On this page
- Edgefield County in numbers
- Work and pay in Edgefield County
- Edgefield County households and housing
- What a typical Edgefield County household can carry
- What the numbers suggest about borrowing in Edgefield County
- Where Edgefield County ranks
- Edgefield County in brief
- Steps to take first in Edgefield County
- More nearby
- Edgefield County communities by size
- Houses, apartments and mobile homes in Edgefield County
- Eight income bands for Edgefield County
- How Edgefield County compares with the counties next door
- Where Edgefield County ranks in South Carolina
- Frequently asked questions
Edgefield County in numbers
These are Census Bureau estimates (ACS, 2020 to 2024) for Edgefield County, South Carolina. A place average is context, while your finances are what a lender reads.
Work and pay in Edgefield County
Employment among Edgefield County residents centers on education and health care (23%), with manufacturing (14%) and retail (12%) next. What sets Edgefield County apart is construction, at 11% of workers where the typical place in our set has 8%.
Households in Edgefield County are spread across the income scale: 30% earn under $35,000, 35% earn between $35,000 and $100,000, and 36% earn $100,000 or more. Edgefield County beats the typical place in our set by 9.2 points at the top of the scale and exceeds it by 0.8 at the bottom. The Gini index for the area is 0.45, on a scale where higher means a wider gap. Spread matters because a median can hide a large group of households with much less room in their budgets.
Edgefield County households and housing
The median resident of Edgefield County is 41.6 years old, and 23% of adults 25 and older hold a bachelor's degree or more. Edgefield County is younger than typical by 0.6 years and less likely to hold a degree by 0 points. Building a clean payment record matters more than any local average.
Detached houses make up 68% of the homes in Edgefield County; buildings with five or more units account for 4% and mobile homes for 25%. Edgefield County has fewer large-building apartments than the middle of our set, by 0.7 points. A detached-house market tends to generate repair borrowing, an apartment-heavy one moving and deposit costs.
What a typical Edgefield County household can carry
Before taxes, the median Edgefield County household takes in about $6,086 a month. Typical rent of $720 is 12% of it, compared with the 30% rule of thumb of $1,826. For total debt payments, 36% of gross income is a common benchmark. At the median that is about $2,191 a month, though lenders choose their own cutoffs. Buying the median home would take about 2.8 years of median income.
What the numbers suggest about borrowing in Edgefield County
18% of Edgefield County mortgage holders are cost-burdened, fewer than in most of our Carolina county places. If you own, you can afford to compare a loan against home-equity options carefully.
Edgefield County is an owner-heavy place: 80% of households own. Repairs drive much of the borrowing here; compare a HELOC with a personal loan by risk and cost.
The price-to-income ratio in Edgefield County is on the lower side (about 2.8, from a median home value of $202,700 and a median household income of $73,029). That can give owners more flexibility, including paying a personal loan off early.
Where Edgefield County ranks
Ranked against 146 Carolina county places, Edgefield County shows a median household income of $73,029 (29th of 146, top down), a median gross rent of $720 (137th of 146, top down), and a median home value of $202,700 (77th of 146, top down). These ranks describe a place, not a household.
Nearby in size, and also in South Carolina, are Dillon County ($46,605 income, $679 rent), where Edgefield County runs 57% above on income and 6% above on rent and Union County ($41,621 income, $804 rent), where Edgefield County runs 75% above on income and 10% below on rent. Differences like these are why a loan that suits one town can strain another.
Edgefield County in brief
The Census Bureau lists 5 places in Edgefield County. By population the biggest are North Augusta, Edgefield, Johnston, Murphys Estates. This page is the local guide for Edgefield, Johnston and the rest of Edgefield County.
Steps to take first in Edgefield County
- Look the lender up with the state's Office of the Commissioner of Consumer Finance and use its complaint page if something goes wrong.
- Compare three written offers by APR, fees and total cost, using the side-by-side calculator.
- Pull your credit reports for free at AnnualCreditReport.com and dispute errors before lenders look.
- Keep every document in one folder: disclosure, agreement, payment confirmations.
- Stress-test the payment: could you still make it after one bad month?
More nearby
Edgefield County communities by size
The 2024 Census place list for Edgefield County has 5 entries: 4 towns or cities with their own government and 1 unincorporated CDPs. North Augusta has the priciest homes at the median ($233,600); Johnston the least expensive ($106,600).
| Town or CDP | Type | People | Portion of county | Typical home value |
|---|---|---|---|---|
| North Augusta | incorporated city | 25,653 | 93.4% | $233,600 |
| Edgefield | incorporated town | 4,010 | 14.6% | $122,500 |
| Johnston | incorporated town | 2,132 | 7.8% | $106,600 |
| Murphys Estates | unincorporated (CDP) | 1,064 | 3.9% | $189,300 |
| Trenton | incorporated town | 258 | 0.9% | $169,600 |
Houses, apartments and mobile homes in Edgefield County
The housing stock in Edgefield County is 68% detached houses; apartments in buildings of 5+ units account for 4%, and mobile homes for 25%. Housing type matters for repair costs in Edgefield County: manufactured homes, older detached houses and condos each bring different bills.
| Kind of building | Share in Edgefield County | Difference from South Carolina |
|---|---|---|
| Single-family detached | 67.7% | +3.2 pts |
| Townhouse or attached | 0.9% | -2.7 pts |
| 2 to 4 units | 2.9% | -1.6 pts |
| 5 to 19 units | 3.4% | -3.9 pts |
| 20 or more units | 0.4% | -5.2 pts |
| Mobile home | 24.7% | +10.5 pts |
Eight income bands for Edgefield County
Eight income steps for Edgefield County: the largest group, 20% of households, is in the $100,000 to $149,999 band. Compared with South Carolina, Edgefield County has more households at the very bottom and fewer at the top.
| Income band | County share | Compared with state |
|---|---|---|
| Under $15,000 | 13.6% | +3.9 pts |
| $15,000 to $24,999 | 7.8% | +0.5 pts |
| $25,000 to $34,999 | 8.5% | +0.8 pts |
| $35,000 to $49,999 | 8.6% | -3.4 pts |
| $50,000 to $74,999 | 12.9% | -4.1 pts |
| $75,000 to $99,999 | 13.0% | -0.1 pts |
| $100,000 to $149,999 | 19.8% | +3.4 pts |
| $150,000 or more | 15.8% | -1.0 pts |
How Edgefield County compares with the counties next door
Five neighbors within 40 miles, compared on age, schooling and poverty rather than money alone. The most educated is Lexington County at 34% with a bachelor's degree.
| County | Distance | Population | Median age | Bachelor's+ | Poverty |
|---|---|---|---|---|---|
| Edgefield County | - | 27,476 | 41.6 | 23% | 18% |
| Saluda County, SC | 20 mi | 19,131 | 42.6 | 20% | 19% |
| McCormick County, SC | 22 mi | 9,760 | 59.5 | 24% | 18% |
| Aiken County, SC | 25 mi | 174,160 | 42.0 | 32% | 14% |
| Greenwood County, SC | 28 mi | 69,489 | 40.1 | 25% | 15% |
| Lexington County, SC | 40 mi | 304,887 | 39.8 | 34% | 11% |
Where Edgefield County ranks in South Carolina
Out of 46 South Carolina counties, Edgefield County's most unusual ranks are on rent, owner share, six-figure households, household income.
- Rent puts Edgefield County at #6 lowest of 46 among South Carolina counties ($720 a month). Lower rent leaves more slack for a payment.
- On owner share (80%), Edgefield County ranks #6 of 46 statewide, against 73% for the middle Carolina county. Repairs drive a lot of local borrowing.
- Edgefield County: 36% for six-figure households, #9 of 46 in South Carolina. Use strong credit to compare, not to borrow more.
- Household income puts Edgefield County at #9 of 46 among South Carolina counties ($73,029). Size the loan to your own pay records.
| Measure | Edgefield County | Rank in South Carolina | Middle Carolina county |
|---|---|---|---|
| Rent | $720 a month | #6 lowest of 46 | $896 a month |
| Owner share | 80% | #6 of 46 | 73% |
| Six-figure households | 36% | #9 of 46 | 26% |
| Household income | $73,029 | #9 of 46 | $59,717 |
Frequently asked questions
Should Edgefield County homeowners use a personal loan or home equity?
It depends on how much risk you accept. About 80% of Edgefield County households own, and a home-equity loan or line puts the home at risk, while a personal loan is usually unsecured. For smaller, one-time costs the unsecured loan is often the simpler path; compare both in writing.
Does living in Edgefield County change what I qualify for?
Not at all. Edgefield County or anywhere else in South Carolina, the questions and screening rules are identical.
Who licenses lenders that serve Edgefield County?
A Edgefield County resident can confirm a lender's South Carolina license with the Commissioner of Consumer Finance before sharing any details.
Should I pay to get a Edgefield County loan funded faster?
No. A Edgefield County lender asking for an upfront fee for speed is showing a classic scam sign; legitimate lenders take fees, if any, out of the loan itself.