1st Advantage MortgageIn Williamsburg County, 25% of workers commute 45 minutes or more and the median home is worth $104,500. A personal loan can cover a one-time cost if its total cost is lower than your alternatives. Compare APR, fees and term in writing, and verify the lender's license.
On this page
- The basics on Williamsburg County
- Jobs and income in Williamsburg County
- Who lives in Williamsburg County
- A median Williamsburg County budget
- What this means for a Williamsburg County loan
- Comparing Williamsburg County with its peers
- Getting to know Williamsburg County
- Do this before signing in Williamsburg County
- How Williamsburg County's population is spread
- What kind of homes Williamsburg County has
- Eight income bands for Williamsburg County
- Neighbors of Williamsburg County: people and schooling
- Williamsburg County's outlier numbers
- Frequently asked questions
The basics on Williamsburg County
These are Census Bureau estimates (ACS, 2020 to 2024) for Williamsburg County, South Carolina. A place average is context, while your finances are what a lender reads.
Jobs and income in Williamsburg County
The Census Bureau's industry counts show where Williamsburg County residents earn a living: education and health care employs 25% of workers, manufacturing 15% and retail 10%. Transportation, warehousing and utilities stands out: 9% of Williamsburg County workers, versus 6% for the median place we cover. Gig and contract earners should keep a running record of deposits, because lenders usually average several months.
Roughly 17 in 100 Williamsburg County households clear $100,000 a year, while 42 in 100 take in under $35,000 and 3 in 100 reach $200,000. Williamsburg County trails the typical place in our set by 9.9 points at the top of the scale and exceeds it by 12.8 at the bottom. Income inequality, measured by the Gini index, is 0.50. If you are near the lower end, a smaller amount and a shorter term protect you most.
Who lives in Williamsburg County
The median resident of Williamsburg County is 43.2 years old, and 17% of adults 25 and older hold a bachelor's degree or more. Relative to our Carolina county medians: +1.0 years on age, -6 points on degrees.
Of every 100 homes in Williamsburg County, about 54 are detached houses and 2 sit in larger apartment buildings. Detached homes run 14 points below the typical place in our set.
A median Williamsburg County budget
Median rent in Williamsburg County ($765) runs 20% of the median monthly household income ($3,851 before taxes). The 30% yardstick works out to $1,155. Apply a 36% debt-to-income test and a median-earning household in Williamsburg County could carry roughly $1,386 a month in total debt payments, housing included. Home prices sit near 2.3x the median household's annual income. If your rent share is above the yardstick, size any new payment more conservatively.
What this means for a Williamsburg County loan
Homes in Williamsburg County cost 2.3 times median income ($104,500 against $46,213), low for our Carolina county set. Lower housing pressure often leaves more cash flow for debt payments.
At 25% with 45-minute-plus commutes, Williamsburg County drivers log more miles than most in our Carolina county set. Long commutes mean gas, tires and repairs are a standing line in the budget, and a surprise vehicle bill is a common reason to look for a loan.
Rent pressure in Williamsburg County is high: 55% of renter households pass the 30 percent mark, against a median rent of $765. For a renter, the safest personal loan is the smallest one that solves the problem, on the shortest term the budget can carry.
Comparing Williamsburg County with its peers
Out of 146 Carolina county places in the data, Williamsburg County lands with a median household income of $46,213 (rank 129 of 146), a median gross rent of $765 (rank 121 of 146), and a median home value of $104,500 (rank 138 of 146). Rankings shift with every Census release.
Two comparable South Carolina places in our set are Clarendon County ($52,401 income, $763 rent), where Williamsburg County runs 12% below on income and 0% above on rent and Marion County ($36,301 income, $669 rent), where Williamsburg County runs 27% above on income and 14% above on rent. Compare the same four numbers on every offer wherever you live.
Getting to know Williamsburg County
Largest communities in Williamsburg County, by 2020 to 2024 population: Andrews, Kingstree, Hemingway, Lane (6 Census places in all). County-wide figures here include Andrews and every smaller community around it.
Do this before signing in Williamsburg County
- Confirm the Williamsburg County lender's license with the Commissioner of Consumer Finance before sharing details.
- Check the payment against Williamsburg County rent or mortgage in the DTI calculator before applying anywhere.
- Pull your credit reports for free at AnnualCreditReport.com and dispute errors before lenders look.
- Refuse any upfront fee. Real lenders take fees out of the loan or bill them later; the scam guide shows the common pitches.
- Line up three offers for Williamsburg County and compare APR, fees and total repayment in the side-by-side calculator.
How Williamsburg County's population is spread
Counting both incorporated towns and CDPs, 6 named places sit inside Williamsburg County. Home values differ sharply: $177,000 in Kingstree against $116,400 in Andrews.
| Place | Status | Residents | Share of county | Median home value |
|---|---|---|---|---|
| Andrews | incorporated town | 3,485 | 11.5% | $116,400 |
| Kingstree | incorporated town | 3,132 | 10.3% | $177,000 |
| Hemingway | incorporated town | 660 | 2.2% | $172,300 |
| Lane | incorporated town | 564 | 1.9% | $86,700 |
| Greeleyville | incorporated town | 362 | 1.2% | $150,900 |
| Stuckey | incorporated town | 190 | 0.6% | $92,700 |
What kind of homes Williamsburg County has
39% of homes in Williamsburg County are mobile homes (14% statewide), and 2% are in buildings of five or more units. Apartment buildings (2% of Williamsburg County units) mean more renters borrowing for deposits and moves.
| Structure type | Williamsburg County | vs South Carolina |
|---|---|---|
| Single-family detached | 53.5% | -11.0 pts |
| Townhouse or attached | 0.2% | -3.5 pts |
| 2 to 4 units | 4.6% | +0.1 pts |
| 5 to 19 units | 1.9% | -5.4 pts |
| 20 or more units | 0.3% | -5.3 pts |
| Mobile home | 39.5% | +25.2 pts |
Eight income bands for Williamsburg County
Households earning $150,000 or more are 6.6% of Williamsburg County, compared with 16.8% for South Carolina; those under $15,000 are 21.9%. The 17% of households above $100,000 are not immune: big incomes often come with big fixed costs.
| Yearly income step | Williamsburg County households | Difference from South Carolina |
|---|---|---|
| Under $15,000 | 21.9% | +12.3 pts |
| $15,000 to $24,999 | 10.7% | +3.4 pts |
| $25,000 to $34,999 | 9.3% | +1.6 pts |
| $35,000 to $49,999 | 13.2% | +1.2 pts |
| $50,000 to $74,999 | 19.5% | +2.5 pts |
| $75,000 to $99,999 | 8.9% | -4.2 pts |
| $100,000 to $149,999 | 9.9% | -6.5 pts |
| $150,000 or more | 6.6% | -10.2 pts |
Neighbors of Williamsburg County: people and schooling
The five closest Carolina counties to Williamsburg County, by distance between county centers. Georgetown County is the oldest of them (median age 52.2) and Georgetown County has the largest share of college graduates (33%).
| County | How far | People | Median age | Degree holders | Poverty rate |
|---|---|---|---|---|---|
| Williamsburg County | - | 30,282 | 43.2 | 17% | 23% |
| Florence County, SC | 28 mi | 137,117 | 39.4 | 24% | 19% |
| Georgetown County, SC | 28 mi | 64,811 | 52.2 | 33% | 15% |
| Clarendon County, SC | 29 mi | 30,986 | 45.9 | 18% | 15% |
| Berkeley County, SC | 32 mi | 246,802 | 36.9 | 31% | 10% |
| Marion County, SC | 38 mi | 28,664 | 42.6 | 14% | 30% |
Williamsburg County's outlier numbers
- Williamsburg County: 39.5% for mobile homes, #1 of 46 in South Carolina. Manufactured homes often rule out equity loans.
- Car-free households puts Williamsburg County at #4 of 46 among South Carolina counties (12.8%). Transit and ride costs belong in the budget.
- On six-figure households (17%), Williamsburg County ranks #6 lowest of 46 statewide, against 26% for the middle Carolina county. Smaller loans are the local norm.
| Indicator | Williamsburg County figure | Rank | Median of 146 NC/SC counties |
|---|---|---|---|
| Mobile homes | 39.5% | #1 of 46 | 19.0% |
| Car-free households | 12.8% | #4 of 46 | 5.8% |
| Six-figure households | 17% | #6 lowest of 46 | 26% |
Frequently asked questions
Is Williamsburg County housing expensive relative to income?
Yes by this measure: a $104,500 median home value is about 2.3 times the $46,213 median income. That leaves less room for new payments.
Does living in Williamsburg County change what I qualify for?
No. Living in Williamsburg County rather than elsewhere in South Carolina does not change the questions or the rules. Only your own answers count, and lenders must follow fair-lending laws when they decide.
Where can a Williamsburg County borrower check a lender?
South Carolina splits the job: the Commissioner of Consumer Finance licenses lenders serving Williamsburg County, and the Department of Consumer Affairs handles general consumer issues.
How long does a loan decision take for Williamsburg County residents?
It depends on the lender and verification, from minutes for a prequalification to several days for funding. Speed is worth asking about, but never pay extra for it up front.