1st Advantage MortgageIn Williamsburg County, South Carolina, the typical household earns $46,213 a year and the typical rent is $765. A loan makes sense only if its total cost beats your alternatives and the payment fits your budget. Check the lender's South Carolina license first.
On this page
- Who lives in Williamsburg County
- Williamsburg County industries and commutes
- Homes and rents, Williamsburg County
- Earnings across Williamsburg County households
- Williamsburg County's most unusual numbers
- Williamsburg County next to its neighbors
- Williamsburg County towns compared
- Williamsburg County households compared
- Budget math at the Williamsburg County median
- Borrowing situations common in Williamsburg County
- Checklist for Williamsburg County applicants
- Lender oversight for Williamsburg County
- Other South Carolina guides
- Frequently asked questions
Who lives in Williamsburg County
With an estimated 30,282 residents (ACS 2020 to 2024), Williamsburg County ranks 31st of 46 in South Carolina for population. Density: about 32.4 residents per square mile across 934 square miles of land. No metropolitan area includes Williamsburg County in the 2023 federal delineation, so its numbers stand on their own rather than as part of a metro. The Census Bureau counts 6 places in the county (6 incorporated, 0 census-designated); the largest is Andrews, with about 3,485 residents, or 12% of the county.
Williamsburg County industries and commutes
Top Williamsburg County industry by residents employed: education and health care, 25%; second, manufacturing, 15%. Compared with South Carolina, the county leans toward transportation, warehousing and utilities (9% against 6%). Averaged over the five survey years, 4.0% of the labor force was out of work and looking. About 82% drive to work alone and 25% have trips of 45 minutes or more. 12.8% of households have no vehicle.
| Industry (employed residents 16+) | Williamsburg County | Gap to South Carolina |
|---|---|---|
| Education and health care | 24.6% | +2.5 pts |
| Manufacturing | 15.1% | +2.0 pts |
| Retail trade | 9.6% | -1.6 pts |
| Professional and administrative services | 9.1% | -2.4 pts |
| Construction | 9.1% | +1.9 pts |
| Transportation, warehousing and utilities | 8.7% | +3.0 pts |
Industry shapes paperwork. Salaried and public jobs are easy to verify, while hourly, tipped, commission or contract earners in Williamsburg County should have bank statements and tax returns ready.
Homes and rents, Williamsburg County
$765 a month is the median gross rent in Williamsburg County, 35% below the state. Rent takes 30% or more of income for 55% of renter households here. Williamsburg County homes are worth $104,500 at the median, a 2.3-to-1 ratio to income. The ownership rate is 76%. Half the housing stock was built before 1985. Against the median U.S. county, Williamsburg County rent is 13% below.
| Williamsburg County | South Carolina | Difference | |
|---|---|---|---|
| Burdened owners | 34% | 26% | +8.6 pts |
| Median home value | $104,500 | $259,000 | 60% lower |
| Owners | 76% | 72% | +4.5 pts |
| Vacant units | 18% | 13% | +4.2 pts |
| Median gross rent | $765/mo | $1,180/mo | 35% lower |
| Rent-burdened renters | 55% | 52% | +2.5 pts |
Because most Williamsburg 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. With rent burdens at 55%, keep any Williamsburg County loan to the smallest amount that solves the problem.
Earnings across Williamsburg County households
Williamsburg County households have a median income of $46,213 (ACS 2020 to 2024), which ranks 38th of 46 in South Carolina.
| Income band | Share in Williamsburg County | Difference from South Carolina |
|---|---|---|
| Under $35,000 | 41.9% | +17.2 pts |
| $35,000 to $99,999 | 41.6% | -0.5 pts |
| $100,000 to $199,999 | 13.4% | -10.9 pts |
| $200,000 or more | 3.1% | -5.8 pts |
About 42% of households earn under $35,000, while 17% clear $100,000. Poverty rate, Williamsburg County: 23.3%; South Carolina: 14.1%. Income from any regular source can count, including Social Security, pensions and disability benefits, as long as you can document it.
Williamsburg County's most unusual numbers
Ranked against the other 45 county-level areas in South Carolina, these are the Williamsburg County figures furthest from the middle.
- Williamsburg County ranks the highest of 46 South Carolina counties for the share of mobile homes: 39.5%, against 14.2% statewide. Manufactured homes often do not qualify for home equity loans, so unsecured loans fill the gap.
- Williamsburg County ranks 4th highest of 46 South Carolina counties for households without a vehicle: 12.8%, against 5.7% statewide. Without a car, transit and ride costs belong in the budget before any payment.
- Williamsburg County ranks 6th lowest of 46 South Carolina counties for the ACS unemployment rate: 4.0%, against 4.9% statewide. A tight job market helps steady income, but lenders still verify it.
Williamsburg County next to its neighbors
Six nearby counties, 28 to 43 miles away by the straight-line distance between their centers. Richest neighbor: Berkeley County, $84,358. Poorest: Marion County, $36,301. Williamsburg County: $46,213.
| County | Miles | Median household income | Median rent | Homeownership |
|---|---|---|---|---|
| Williamsburg County | - | $46,213 | $765/mo | 76% |
| Florence County, SC | 28 mi | $58,305 | $954/mo | 64% |
| Georgetown County, SC | 28 mi | $68,713 | $1,204/mo | 84% |
| Clarendon County, SC | 29 mi | $52,401 | $763/mo | 73% |
| Berkeley County, SC | 32 mi | $84,358 | $1,654/mo | 75% |
| Marion County, SC | 38 mi | $36,301 | $669/mo | 63% |
| Sumter County, SC | 43 mi | $56,693 | $1,057/mo | 68% |
Williamsburg County towns compared
The table lists the 6 largest of 6 Census places in Williamsburg County, by population. Together all 6 hold about 8,393 people, so roughly 72% of residents live outside any named place. Gap between richest and poorest larger place: $30,925, Andrews over Kingstree. Median rent ranges from $546 in Kingstree to $1,043 in Andrews. Andrews and every other Williamsburg County community use this county guide.
| Town or CDP | Type | People | Median household income | Median gross rent | Miles from center |
|---|---|---|---|---|---|
| Andrews | town | 3,485 | $57,247 | $1,043 | 15 mi |
| Kingstree | town | 3,132 | $26,322 | $546 | 7 mi |
| Hemingway | town | 660 | $52,500 | $850 | 18 mi |
| Lane | town | 564 | $38,013 | $900 | 12 mi |
| Greeleyville | town | 362 | $47,604 | $592 | 16 mi |
| Stuckey | town | 190 | n/a | n/a | 14 mi |
Williamsburg County households compared
17% of Williamsburg County adults 25 and older hold a bachelor's degree or more. The uninsured rate is 10.9%, against 9.6% for South Carolina.
| Residents | Williamsburg County | Difference from South Carolina | Difference from middle U.S. county |
|---|---|---|---|
| Bachelor's or higher | 17.4% | -14.7 pts | -4.8 pts |
| Poverty rate | 23.3% | +9.3 pts | +10.1 pts |
| No vehicle | 12.8% | +7.1 pts | +7.4 pts |
| Work from home | 6.8% | -4.7 pts | -1.9 pts |
| No high school diploma | 14.3% | +4.4 pts | n/a |
| Median age | 43.2 | +3.0 yrs | +1.7 yrs |
| No health insurance | 10.9% | +1.2 pts | +3.0 pts |
| Unemployment (ACS) | 4.0% | -0.9 pts | -0.5 pts |
| One-way commute | Share of Williamsburg County workers |
|---|---|
| Under 15 min | 19.5% |
| 15 to 29 min | 30.4% |
| 30 to 44 min | 25.1% |
| 45 to 59 min | 9.4% |
| 60+ min | 15.5% |
Budget math at the Williamsburg County median
Lenders compare monthly debt payments with gross monthly income, the debt-to-income ratio. For a Williamsburg County household at the medians it works out like this; treat it as an illustration only.
- $46,213 a year is $3,851 of gross monthly income
- 20% goes to median rent ($765)
- $583: what a 35% ratio leaves once rent is paid
- 45% debt-to-income limit: $968 left for all other debt payments
Car, student loan and card payments come out of that room first. Try your own numbers in the calculator.
Borrowing situations common in Williamsburg County
What the Williamsburg County figures suggest, and what to check first:
- Uninsured care. 11% lack coverage here; nonprofit hospitals must publish an assistance policy, so ask for it first (guide).
- Long drives. With 25% of commutes over 45 minutes, tires and repairs are fixed costs in many Williamsburg County budgets.
- Repairs on manufactured housing. With 39% of homes here, compare a personal loan with any dealer or park repair program.
- 23% below poverty. Emergency aid, payment plans and counseling (list) come first.
Checklist for Williamsburg County applicants
Quick steps for Williamsburg County:
- Get a written quote for whatever you are paying for in Williamsburg County.
- Collect three written offers and compare APR and total repaid.
- A South Carolina license check takes minutes; do it first.
- Lock paid-off cards after consolidating so balances stay at zero.
Lender oversight for Williamsburg County
The South Carolina State Board of Financial Institutions is the place to verify any lender's South Carolina license. South Carolina also has the Consumer Finance Division of the State Board of Financial Institutions for consumer credit. Nationally, Williamsburg County residents can file with the CFPB. The South Carolina page has statewide figures to set beside Williamsburg County's.
Other South Carolina guides
Next step up from Williamsburg County:
Frequently asked questions
Is $46,213 a good income in Williamsburg County?
It is the county median, so half of Williamsburg County households earn more and half less; 17% earn $100,000 or more.
How does Williamsburg County rent compare with South Carolina?
$765 locally versus $1,180 for the state, 35% below.
What are the biggest places in Williamsburg County?
By population: Andrews, Kingstree, Hemingway, Lane, Greeleyville. The county has 6 Census places in all.
Will a Williamsburg 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.
Who regulates personal lenders for Williamsburg County residents?
The South Carolina State Board of Financial Institutions licenses consumer lenders in South Carolina; the CFPB takes complaints about any lender, and the FTC wants to hear about fee-first offers.