Fort Mill, South Carolina.
Typical home $519,103 (-1.6% in a year), asking rent $1,748 (+3.1%). Charlotte-Concord-Gastonia, NC-SC metro.
to buy the typical home at today's mortgage rate — +$1,529 (+128%) since Jan 2020.
- 1 year
- Down $8,591 -2%
- $527,694$519,103 since Sep 2025
- 5 years
- Up $104,179 +25%
- $414,925$519,103 since Sep 2021
Monthly payment to buy the typical home
Home value × that month's 30-year mortgage rate, 20% down, principal and interest. This is the line households feel: prices and rates compound each other.
- Fort Mill$2,725
- South Carolina$1,597
- United States$1,922
At the last five years' pace, a typical home here doubles in price every 15 years.
Typical home values in Fort Mill, SC fell 1.6% over the past year — slower than the nation's +1.2%.
Asking rents in Fort Mill, SC rose 3.1% over the past year — faster than the nation's +2.7%.
Owning the typical home in Fort Mill runs $1,741/mo more than renting one. The gap peaked at $1,911 in Jan 2025.
That is $3,489 a month against $1,748 rent: a $2,725 mortgage payment, plus $208 property tax and $556 insurance & upkeep.
Owning vs renting — Fort Mill
The owning line is the typical home's monthly payment at that month's rate, plus property tax and insurance & upkeep; the renting line is the typical asking rent; the grey line is the mortgage payment on its own. Same homes, same months, both ways of paying for a roof.
- Owning all in$3,489
- Renting$1,748
- Mortgage only$2,725
Property tax · $208/mo 0.48% of value a year — the ACS 2020-2024 median bill over the median home value for York County, SC
Insurance & upkeep · $556/mo insurance, maintenance and repairs together, from the BLS Consumer Expenditure Survey — the national figure for mortgaged homeowners, scaled to this market's home value. BLS publishes the three bundled and they cannot be split.
Both are priced off the same month's home value, so they rise with the market. Neither is a quote — a specific home's bill depends on its assessment, its age and its insurer.
Living in Fort Mill, York County, South Carolina
Fort Mill is a town of 24,521 people in York County. Half its households earn more than $121,823 a year and half less, against $89,095 across York County; 5% of its people live below the poverty line. 83% of its homes are lived in by their owners and 17% are rented. Unemployment in Fort Mill was 3.7% in August 2026, and York County had 1.4% more jobs in 2025 than the year before. The most residents work in finance and property, then schools and health care.
Written by AI Claude Sonnet 5.5 wrote this on 23 October 2026 from the figures here, a list of nearby places and what it knows. It can be wrong or out of date.
What it’s like
The place. Fort Mill is a South Carolina town in York County where most homes are lived in by their owners, and households earn well above the county's typical income. Few residents live below the poverty line, and a large share of adults hold a four-year degree. Winters are mild and cool rather than harsh, summers are hot, and rain and a little melted snow fall across the year.
Work. Residents work mostly in banking, insurance and property, in schools, hospitals and social care, and in professional and business services, with manufacturing close behind. Among the largest workplaces in Fort Mill are Domtar Paper Company, Fast Growing Trees and Walmart. Unemployment has eased over the past year, and many people work from home, which keeps the daily commute fairly moderate.
Things to do. Carowinds is an amusement park a short drive away, and Lake Wylie is a lake a short drive away for time on the water. For a bigger outing, Charlotte Motor Speedway is a race track a longer drive away, and Bank of America Stadium is a stadium a longer drive away.
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- 11,139households
- 58%of adults have a degree
- 5%below the poverty line
- 26 mintypical commute
- 28%work from home
What residents work in
Employed residents by industry, from the Census survey. York County had 106,236 jobs in 2025, 1.4% more than the year before (Bureau of Labor Statistics).
Weather through the year
Coldest in January, with highs near 52° and lows near 31°; warmest in July, with highs near 90° and lows near 69°. About 42 inches of rain and melted snow a year.
Average daily high and low, 1991–2020, at the Rock Hill York County Airport weather station, 7 miles away (NOAA).
Largest workplaces in Fort Mill
- Domtar Paper Company0502
- Fast Growing TreesAgriculture production or harvesting crews198
- Harris Teeter Supermarkets, Inc.Supermarkets and other grocery stores194
- Fort MillMail and parcel delivery136
- WalmartSupermarkets and other grocery stores113
- Food LionGrocery stores73
- Capstone US Foods Fort MillGeneral warehousing and storage63
- Qualitative StrategiesCourier services47
Staff on average in 2025, as each workplace reported it to OSHA with its injury records: 13 workplaces with 20 or more staff, 1,475 people in all. Not listed: many offices and banks, which need not report to OSHA; military bases, whose staff OPM withholds; and, in about half the states, city and county governments.
Natural hazards
- TornadoesVery high
- Ice stormsRelatively high
- Strong windRelatively high
- LightningRelatively high
- Inland floodingRelatively high
- Winter weatherRelatively moderate
FEMA’s National Risk Index (December 2025) rates the risk each natural hazard poses to the people, buildings and farms in Fort Mill’s census tracts, against the rest of the country; all of them together, relatively moderate. It is meant for planning, not a substitute for a local risk assessment or a flood map: FEMA’s index.
From the U.S. Census Bureau’s 2020 census and its American Community Survey (2020–2024 five-year estimates), and the Bureau of Labor Statistics. A survey, so each figure has a margin of error, and figures it is not sure of are left out. More on York County and the Charlotte-Concord-Gastonia, NC-SC metro.
Fort Mill home values
Zillow measures a city over its municipal boundary. Against the state and national figures, mid-tier homes, smoothed and seasonally adjusted.
- Fort Mill$519,103
- South Carolina$304,319
- United States$366,157
Levy by levy, and a check of one home’s own bill, the site covers Ohio’s property tax.
Sellers are cutting prices on about 1 in 3 Fort Mill listings, and the typical home goes pending in 47 days — the market is cooling.
When this market ran hot
Each cell is that month's year-on-year home-value growth. Read left to right, top row is the latest year — the 2021–22 band is the boom.
Market heat, inside the city limits
Share of listings with a price cut
The early-warning dial: sellers cut when buyers stop reaching. Rising cuts cool a market months before prices notice.
- Fort Mill30.81%
- United States26.90%
Days to pending
How long the typical listing takes to go under contract.
- Fort Mill47
- United States27
Homes for sale
Active for-sale inventory. More supply hands power to buyers.
- Fort Mill829
New listings per month
Sellers arriving at the market.
- Fort Mill156
Median sale price
What buyers actually paid — closed sales, not asking prices.
- Fort Mill$509,781
- United States$371,407
Sale-to-list ratio
Above 100%, homes sell over asking; below, buyers negotiate wins.
- Fort Mill98.67%
Zip codes with a Fort Mill address
A different geography, not a breakdown. The figure above covers the municipality; these zips cover everywhere the Post Office calls Fort Mill — often including townships beyond the city limits. Both come straight from Zillow, and they are not expected to average out.
Zip codes in Fort Mill
| Zip activate to sort by Zip | Place activate to sort by Place | Population sorted descending, activate to sort ascending | Rent activate to sort by Rent | Home value activate to sort by Home value |
|---|---|---|---|---|
| 29715 | Fort Mill | 46,865 | $1,756 | $479,696 |
| 29708 | Fort Mill | 43,515 | $1,777 | $568,830 |
| 29707 | Fort Mill | 37,629 | $1,739 | $534,790 |