1st Advantage MortgageIn Jasper County, South Carolina, the typical household earns $65,613 a year and the typical rent is $1,328. Your income, debts and credit decide what you qualify for. Get offers in writing, compare the total repaid, and never pay a fee up front.
On this page
- Jasper County, SC: the basics
- Household income in Jasper County
- Jobs and commutes in Jasper County
- Rent, home values and ownership in Jasper County
- Jasper County and the counties next door
- The communities that make up Jasper County
- Budget math at the Jasper County median
- Before borrowing in Jasper County
- Jasper County residents: age, schooling, coverage
- Lender oversight for Jasper County
- Before you sign
- Related local guides
- Frequently asked questions
Jasper County, SC: the basics
With an estimated 32,166 residents (ACS 2020 to 2024), Jasper County ranks 29th of 46 in South Carolina for population. Land area is 655 square miles (2024 Gazetteer), so density runs near 49 per square mile. It is one of the counties that make up the Hilton Head Island-Bluffton-Port Royal, SC metropolitan statistical area (OMB, 2023). The Census Bureau counts 4 places in the county (2 incorporated, 2 census-designated); the largest is Hardeeville, with about 10,871 residents, or 34% of the county.
Household income in Jasper County
At $65,613, the typical Jasper County household income sits near the median U.S. county ($65,681). That places it 16th among South Carolina's 46 county-level areas.
| Households earning | Jasper County | +/- vs South Carolina |
|---|---|---|
| Under $35,000 | 24.8% | +0.1 pts |
| $35,000 to $99,999 | 44.4% | +2.3 pts |
| $100,000 to $199,999 | 25.3% | +0.9 pts |
| $200,000 or more | 5.5% | -3.4 pts |
About 25% of households earn under $35,000, while 31% clear $100,000. The poverty rate is 17.8%, 4 points higher than the state's 14.1%. None of these numbers decides a Jasper County application. Lenders weigh your own documented income against your own debts.
Jobs and commutes in Jasper County
By the Census industry count, 16% of employed Jasper County residents work in education and health care and 14% in professional and administrative services. Construction stands out: 10% of workers here, versus 7% statewide. Averaged over the five survey years, 4.6% of the labor force was out of work and looking. 26% of commuters travel 45 minutes or more each way, and 9% work from home. Only 4.4% of homes here go without a vehicle.
| Sector | Jasper County | Compared with South Carolina |
|---|---|---|
| Education and health care | 15.9% | -6.2 pts |
| Professional and administrative services | 13.7% | +2.1 pts |
| Retail trade | 12.8% | +1.6 pts |
| Arts, lodging and food service | 11.3% | +2.2 pts |
| Construction | 10.2% | +3.0 pts |
| Finance, insurance and real estate | 6.7% | +0.5 pts |
Where long drives are the norm, a car repair is one of the most common surprise bills. A small repair fund can keep a breakdown from turning into a loan.
Rent, home values and ownership in Jasper County
A typical Jasper County rental runs $1,328 a month including utilities, which is 13% above South Carolina. By the Census definition, 48% of Jasper County renters are cost-burdened. The median owner-occupied home is valued at $325,500, about 5.0 times the median household income. The ownership rate is 77%. The median year built is 2003.
| Cost | Jasper County | South Carolina figure | Median county, U.S. |
|---|---|---|---|
| Median gross rent | $1,328/mo | $1,180/mo | $877/mo |
| Median home value | $325,500 | $259,000 | $185,300 |
| Owners | 77% | 72% | 75% |
| Rent-burdened renters | 48% | 52% | 45% |
| Burdened owners | 37% | 26% | n/a |
| Mobile homes | 25.5% | 14.2% | n/a |
Because most Jasper County households own, home repairs are a frequent reason to borrow. An unsecured personal loan leaves the house out of the deal, while a HELOC uses it as collateral.
Jasper County and the counties next door
Nearest neighbors first, measured between county centers (19 to 38 miles). 4 of the six report a higher median household income than Jasper County; Bryan County is highest at $103,408 and Hampton County lowest at $44,711. The list crosses into Georgia, where different lending rules and regulators apply.
| County | Miles | Median household income | Median rent | Homeownership |
|---|---|---|---|---|
| Jasper County | - | $65,613 | $1,328/mo | 77% |
| Effingham County, GA | 19 mi | $88,438 | $1,147/mo | 78% |
| Beaufort County, SC | 20 mi | $86,573 | $1,653/mo | 76% |
| Hampton County, SC | 25 mi | $44,711 | $843/mo | 73% |
| Chatham County, GA | 31 mi | $71,097 | $1,471/mo | 57% |
| Colleton County, SC | 36 mi | $51,114 | $949/mo | 73% |
| Bryan County, GA | 38 mi | $103,408 | $1,618/mo | 78% |
The communities that make up Jasper County
The table lists the 4 largest of 4 Census places in Jasper County, by population. Together all 4 hold about 15,056 people, so roughly 53% of residents live outside any named place. No Jasper County place has a separate guide yet; this county page serves all 4.
| Town or CDP | Type | People | Median household income | Median gross rent | Miles from center |
|---|---|---|---|---|---|
| Hardeeville | city | 10,871 | $78,365 | $1,406 | 9 mi |
| Ridgeland | town | 3,764 | $62,981 | $734 | 6 mi |
| Gillisonville | CDP | 378 | n/a | n/a | 13 mi |
| Coosawhatchie | CDP | 43 | n/a | n/a | 12 mi |
CDP: census-designated place, an unincorporated community mapped for statistics.
Budget math at the Jasper County median
Lenders compare monthly debt payments with gross monthly income, the debt-to-income ratio. For a Jasper County household at the medians it works out like this; treat it as an illustration only.
- Median income divided by twelve: $5,468 before taxes
- Less median rent of $1,328, which is 24% of it
- Under a 35% cap, $1,914 total minus rent leaves $586
- 45% debt-to-income limit: $1,132 left for all other debt payments
Lenders set their own limits and look beyond the ratio. The DTI calculator uses your figures instead of Jasper County's.
Before borrowing in Jasper County
A few patterns in the Jasper County data, and the practical point behind each:
- Health costs. With 15% of the county uninsured, an interest-free hospital payment plan usually beats a loan (medical bills).
- Vehicle repairs. 26% of Jasper County workers commute 45+ minutes, so a breakdown can cost a paycheck. Get two written estimates.
- 26% mobile homes. Many are not titled as real estate, so home-equity options may not apply; an unsecured loan is the usual route.
- Retirees. At a median age of 45.3, many borrowers here rely on award letters as proof of income; favor no prepayment penalty.
Jasper County residents: age, schooling, coverage
College graduates make up 26% of the adult population. The uninsured rate is 14.5%, against 9.6% for South Carolina.
| People and households | Jasper County | South Carolina | Median county |
|---|---|---|---|
| Median age | 45.3 | 40.2 | 41.5 |
| Bachelor's or higher | 26.0% | 32.1% | 22.2% |
| No high school diploma | 8.9% | 9.9% | n/a |
| No health insurance | 14.5% | 9.6% | 7.8% |
| No vehicle | 4.4% | 5.7% | 5.4% |
| Work from home | 8.6% | 11.5% | 8.7% |
| Poverty rate | 17.8% | 14.1% | 13.2% |
| Unemployment (ACS) | 4.6% | 4.9% | 4.4% |
| Trip time | Share |
|---|---|
| Under 15 min | 20.6% |
| 15 to 29 min | 28.2% |
| 30 to 44 min | 25.7% |
| 45 to 59 min | 17.3% |
| 60+ min | 8.2% |
Lender oversight for Jasper County
Jasper County borrowers fall under statewide rules, enforced by the South Carolina State Board of Financial Institutions. The Consumer Finance Division of the State Board of Financial Institutions handles consumer-credit questions as well. Federal complaints: consumerfinance.gov. The South Carolina guide covers state rules in more detail.
Before you sign
Quick steps for Jasper County:
- Price the Jasper County expense first and borrow that amount, no more.
- Ask each lender for the APR and all fees in writing.
- Only work with lenders licensed for South Carolina borrowers.
- Lock paid-off cards after consolidating so balances stay at zero.
Related local guides
The South Carolina guide covers the whole state.
Frequently asked questions
How much do households in Jasper County earn?
The median is $65,613; 31% earn $100,000 or more and 25% under $35,000. A lender uses your own documented income, not this figure.
How does Jasper County rent compare with South Carolina?
$1,328 locally versus $1,180 for the state, 13% above.
Does this page cover Hardeeville?
Yes, along with the other 3 Census places in Jasper County, such as Ridgeland, Gillisonville, Coosawhatchie.
Will a Jasper County address affect my match?
Beyond confirming South Carolina as your state, no. Your answers about amount, credit, income and payments are all that count.
Where can someone in Jasper County check a lender's license?
With the South Carolina State Board of Financial Institutions. If a lender is unlicensed or asks for a fee before funding, walk away.