Rock Hill, South Carolina.
Typical home $319,971 (-1.9% in a year), asking rent $1,517 (+1.7%). Charlotte-Concord-Gastonia, NC-SC metro.
to buy the typical home at today's mortgage rate — +$945 (+129%) since Jan 2020.
- 1 year
- Down $6,358 -2%
- $326,329$319,971 since Sep 2025
- 5 years
- Up $52,911 +20%
- $267,059$319,971 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.
- Rock Hill$1,679
- South Carolina$1,597
- United States$1,922
At the last five years' pace, a typical home here doubles in price every 19 years.
Typical home values in Rock Hill, SC fell 1.9% over the past year — slower than the nation's +1.2%.
Asking rents in Rock Hill, SC rose 1.7% over the past year — slower than the nation's +2.7%.
Owning the typical home in Rock Hill runs $633/mo more than renting one. The gap peaked at $835 in May 2024.
That is $2,150 a month against $1,517 rent: a $1,679 mortgage payment, plus $128 property tax and $343 insurance & upkeep.
Owning vs renting — Rock Hill
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$2,150
- Renting$1,517
- Mortgage only$1,679
Property tax · $128/mo 0.48% of value a year — the ACS 2020-2024 median bill over the median home value for York County, SC
Insurance & upkeep · $343/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 Rock Hill, York County, South Carolina
Rock Hill is a city of 74,372 people in York County. Half its households earn more than $68,771 a year and half less, against $89,095 across York County; 13% of its people live below the poverty line. 54% of its homes are lived in by their owners and 46% are rented. Unemployment in Rock Hill was 5.0% in August 2026, and York County had 1.4% more jobs in 2025 than the year before. The most residents work in schools and health care, then manufacturing.
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. Rock Hill is a city in York County, South Carolina, and a fairly young one by the standards of towns where people tend to stay put. Residents are younger than in many American communities, and incomes run below the county's overall. Owning is the more common way to live here, though renting is common too.
Work. Many residents work in schools, hospitals and social care, with manufacturing, retail and professional and business services also employing a good number. Among the largest workplaces in Rock Hill are York 03 Schools, Piedmont Medical Center and Winthrop University. A fair number of people work from home, and the typical commute is a moderate one.
Things to do. Giordana Velodrome, a cycling stadium, is a short drive away. Lake Wylie, a lake, and Crowders Mountain State Park, a protected area, are a longer drive away, as is Carowinds, an amusement park. Winters are mild, with cool days and chilly nights, and summers are hot, with a fair amount of rain through the year.
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- 31,307households
- 35%of adults have a degree
- 13%below the poverty line
- 25 mintypical commute
- 12%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 54° and lows near 33°; warmest in July, with highs near 91° and lows near 70°. About 43 inches of rain and melted snow a year.
Average daily high and low, 1991–2020, at the Winthrop Univ weather station, under a mile away (NOAA).
Largest workplaces in Rock Hill
- York 03 SchoolsSchool district2,554FTE
- Piedmont Medical CenterGeneral hospital1,265FTE
- City of Rock HillCity and town managers' offices1,100
- Winthrop UniversityUniversity or college858
- York Technical CollegeTwo-year college442
- Atlas Copco GroupCompressors, air and gas, general purpose-type, manufacturing393
- WalmartWarehouse clubs and supercenters376
- 3D SystemsPrinting machinery for textiles manufacturing366
Staff on average in 2025, as each workplace reported it to OSHA with its injury records: 96 workplaces with 20 or more staff, 11,258 people in all. School districts come from the Common Core of Data (NCES, 2023–24), hospitals from their Medicare cost reports (CMS, 2023) and colleges from IPEDS (NCES, 2023–24); FTE marks full-time equivalent staff. 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
- Ice stormsRelatively high
- TornadoesRelatively high
- Strong windRelatively high
- Lightningrelatively high in parts of Rock HillRelatively moderate
FEMA’s National Risk Index (December 2025) rates the risk each natural hazard poses to the people, buildings and farms in Rock Hill’s census tracts, against the rest of the country; all of them together, relatively low. 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.
Rock Hill home values
Zillow measures a city over its municipal boundary. Against the state and national figures, mid-tier homes, smoothed and seasonally adjusted.
- Rock Hill$319,971
- 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 Rock Hill listings, and the typical home goes pending in 46 days — the market is roughly in balance.
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.
- Rock Hill28.94%
- United States26.90%
Days to pending
How long the typical listing takes to go under contract.
- Rock Hill46
- United States27
Homes for sale
Active for-sale inventory. More supply hands power to buyers.
- Rock Hill567
New listings per month
Sellers arriving at the market.
- Rock Hill131
Median sale price
What buyers actually paid — closed sales, not asking prices.
- Rock Hill$327,164
- United States$371,407
Sale-to-list ratio
Above 100%, homes sell over asking; below, buyers negotiate wins.
- Rock Hill97.93%
Zip codes with a Rock Hill address
A different geography, not a breakdown. The figure above covers the municipality; these zips cover everywhere the Post Office calls Rock Hill — often including townships beyond the city limits. Both come straight from Zillow, and they are not expected to average out.
Zip codes in Rock Hill
| 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 |
|---|---|---|---|---|
| 29730 | Rock Hill | 58,199 | $1,536 | $284,333 |
| 29732 | Rock Hill | 57,675 | $1,489 | $347,374 |