Charleston VA Loan Rates, Closing Costs & Stats

CHARLESTON-NORTH CHARLESTON, SC

A VA loan is a mortgage loan that’s backed by the Department of Veterans Affairs (VA) for those who have served or are presently serving in the U.S. military. The VA does not directly lend, it guarantees the loans made by private lenders to veterans, active military personnel, and qualifying military spouses.

The most obvious benefit of VA loans is that no downpayment is necessary to purchase a home. They will also typically have significantly lower fees-- meaning that if you're eligible to receive a VA loan, it will likely be the most favorable option. VA loans come in 3 varities: purchase, refinance and cash out refis.

For additional benefits of VA loans, click here.

Charleston's 231 lenders originated 8,371 VA loans during 2021. The total origination value was $2,592,405,000, with an average VA loan value of $309,689.

Charleston VA Loans, 30 Year Fixed Rates

30 Year VA mortgages in Charleston averaged 6.36% for the week of 2023-01-27, compared to the national average (all VA variants) of 5.952% for the same period.

Charleston's average VA mortgage closing costs are $5,927.

The average rate for the prior week (2023-01-20) was 5.89% and one month ago for the week of 2022-12-23, the average rate was 6.36%.

The average rate one year ago was 3.96%.

For refis of the same type during the week of 2023-01-27, the average rate was 5.91%.

Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations.

Charleston VA Loan Lenders by Rates & Fees

The below table looks at the average fees/closing costs and rates for VA 30 Year Fixed Rate (purchase, first lien) mortgages originated by each lender at the Charleston level.

Name # of Loans 2021 Avg. 30yFix Rate 2021 Avg. Closing Costs
FREEDOM MORTGAGE CORPORATION 566 2.43% $3,360
QUICKEN LOANS, LLC 558 2.47% $5,301
Mortgage Research Center, LLC 491 2.84% $7,283
NAVY FEDERAL CREDIT UNION 345 2.48% $6,028
PENNYMAC LOAN SERVICES, LLC 310 2.38% $6,048
UNITED WHOLESALE MORTGAGE, LLC 231 2.48% $5,682
LAKEVIEW LOAN SERVICING, LLC 174 2.43% $2,548
DHI MORTGAGE COMPANY, LTD. 171 2.75% $8,691
MOVEMENT MORTGAGE, LLC 156 2.71% $11,498
NEW DAY FINANCIAL, LLC 156 2.88% $8,425
EAGLE HOME MORTGAGE, LLC 153 2.78% $6,763
NTFN, INC. 152 2.80% $8,929
CAROLINA ONE MORTGAGE, LLC 132 3.08% $8,188
LOANDEPOT.COM, LLC 132 2.56% $4,833
VILLAGE CAPITAL MORTGAGE 132 2.33% $4,286
USAA Federal Savings Bank 126 2.86% $5,483
CALIBER HOME LOANS, INC. 119 2.54% $5,365
CMG MORTGAGE, INC. 107 2.90% $7,354
Wells Fargo Bank 106 2.49% $5,120
Mr. Cooper ( Nationstar Mortgage ) 103 2.74% $4,110
CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP 98 3.11% $9,890
MIDLAND MORTGAGE CORPORATION 98 2.72% $8,936
CLEARPATH LENDING 95 2.31% $4,670
Ameris Bank 94 2.58% $7,019
GUILD MORTGAGE COMPANY 93 2.75% $7,111
NEWREZ LLC 90 2.59% $5,842
HOME POINT FINANCIAL CORPORATION 79 2.52% $5,372
CALCON MUTUAL MORTGAGE LLC 78 3.24% $10,491
PULTE MORTGAGE LLC 73 2.85% $4,883
VELOCIO MORTGAGE L.L.C. 62 3.05% $7,602
FAIRWAY INDEPENDENT MORTGAGE CORPORATION 62 2.94% $8,399
ARK-LA-TEX FINANCIAL SERVICES, LLC. 61 2.75% $6,654
The Federal Savings Bank 61 2.58% $9,123
GUARANTEED RATE AFFINITY, LLC 57 2.58% $6,176
HOMEBRIDGE FINANCIAL SERVICES, INC. 54 2.75% $7,340
CROSSCOUNTRY MORTGAGE, LLC 54 2.94% $7,896
PENTAGON FEDERAL CREDIT UNION 51 2.34% $2,928
Prosperity Home Mortgage, LLC 51 2.72% $7,034
Carrington Mortgage Services, LLC 49 2.85% $5,058
NBKC BANK 46 2.47% $5,382
VANDERBILT MORTGAGE AND FINANCE, INC. 40 2.71% $6,081
ATLANTIC BAY MORTGAGE GROUP, L.L.C. 39 2.81% $7,952
Lakeview Community Capital, LLC 39 2.42% $2,712
AMERICAN FINANCIAL NETWORK, INC. 38 2.65% $8,981
SUCCESS MORTGAGE PARTNERS, INC. 35 2.85% $7,527
INTERLINC MORTGAGE SERVICES, LLC 35 3.29% $8,178
PRIMELENDING, A PLAINSCAPITAL COMPANY 35 3.01% $6,420
AMERISAVE MORTGAGE CORPORATION 32 2.56% $6,847
Low VA Rates, LLC 32 2.43% $6,820
Flagstar Bank, FSB 29 2.75% $7,045
BROKER SOLUTIONS, INC. 28 2.89% $6,947
Truist 27 2.63% $8,123
South State Bank 27 2.53% $7,847
FIRST HOME MORTGAGE CORPORATION 27 2.63% $8,480
North American Savings Bank, F.S.B. 27 2.38% $4,597
MUTUAL OF OMAHA MORTGAGE, INC. 26 2.62% $6,325
CERTAINTY HOME LOANS, LLC 25 2.67% $6,651
ANGEL OAK HOME LOANS LLC 24 2.74% $7,210
THE MORTGAGE FIRM, INC. 23 2.90% $9,144
NP, Inc. 23 2.45% $4,843
CORNERSTONE HOME LENDING, INC. 23 2.99% $7,357
Renasant Bank 22 2.82% $8,672
ACCELERATE MORTGAGE, LLC 21 2.35% $7,675
AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC 20 3.00% $5,954
LENDUS, LLC 19 2.86% $7,047
First Federal Bank 19 3.19% $10,754
Magnolia Bank 19 2.76% $9,180
DIRECT MORTGAGE LOANS, LLC 18 2.93% $9,854
SHELTER LENDING SERVICES, L.L.C. 18 2.84% $5,950
First Guaranty Mortgage Corporation 18 2.51% $4,593
Mortgage Network, Inc. 18 2.71% $6,660
Citizens Bank 17 2.57% $5,769
CHURCHILL MORTGAGE CORPORATION 17 2.55% $6,562
BNC National Bank 16 2.31% $6,319
EQUITY RESOURCES, INC. 16 2.46% $4,544
PLANET HOME LENDING, LLC 15 2.91% $3,836
Northpointe Bank 15 2.69% $7,084
Barrington Bank & Trust Company, N.A. 14 2.65% $7,833
EMBRACE HOME LOANS, INC. 14 2.46% $7,129
PLAZA HOME MORTGAGE, INC. 14 2.72% $5,189
SUN WEST MORTGAGE COMPANY, INC. 13 2.40% $5,030
Barley Mortgage, LLC 13 2.46% $4,728
LOANPAL, LLC 13 2.42% $7,824
Colten Mortgage, LLC 13 2.87% $6,139
CITY FIRST MORTGAGE SERVICES, L.L.C. 12 2.94% $7,393
RELIANCE FIRST CAPITAL, LLC 12 2.98% $6,555
Regions Bank 12 2.79% $5,825
TJC Mortgage, Inc. 12 2.36% $4,951
SOUTHERN TRUST MORTGAGE, LLC 12 2.74% $7,978
AMERICAN FINANCING CORPORATION 12 2.44% $5,599
KS StateBank 11 2.38% $5,142
Atlantic Coast Mortgage, LLC 11 2.66% $10,331
NVR Mortgage Finance, Inc. 11 2.86% $5,568
InterContinental Capital Group, Inc 11 2.50% $6,070
First Heritage Mortgage, LLC 11 2.60% $10,546
STEARNS LENDING, LLC 11 2.49% $5,425
K. HOVNANIAN AMERICAN MORTGAGE, L.L.C. 11 2.84% $7,461
United Community Bank 10 2.76% $10,666
CONTOUR MORTGAGE CORPORATION 10 2.65% $7,011
Wyndham Capital Mortgage, Inc. 10 2.49% $2,900
SOVEREIGN LENDING GROUP INCORPORATED 9 2.61% $5,571
Nations Lending Corporation 9 2.63% $6,163
United Bank 9 2.50% $9,064
GUARANTEED RATE, INC. 9 2.61% $6,955
GENEVA FINANCIAL, LLC 8 3.05% $8,773
Strong Home Mortgage, LLC 8 2.48% $1,992
Paramount Residential Mortgage Group, Inc. 8 3.08% $11,211
Princeton Mortgage Corporation 7 2.88% $10,082
PRIMARY RESIDENTIAL MORTGAGE, INC. 7 3.13% $6,490
CAPITAL CENTER, L.L.C. 7 2.55% $2,735
DAS Acquisition Company, LLC 7 3.11% $11,127
AmeriHome Mortgage Company, LLC 7 2.87% $2,892
HOMESIDE FINANCIAL, LLC 6 2.96% $6,815
Pinnacle Bank 6 2.44% $7,242
Alcova Mortgage LLC 6 2.96% $10,673
FBC MORTGAGE, LLC 6 2.94% $8,254
American Security Mortgage Corp. 6 2.67% $8,679
First Federal Bank of Kansas City 6 2.50% $5,201
Bank of England 5 2.48% $12,548
FINANCE OF AMERICA MORTGAGE LLC 5 3.00% $4,632
First National Bank of Pennsylvania 5 2.68% $7,001
First-Citizens Bank & Trust Company 5 2.30% $10,813
UNITED MORTGAGE CORP. 5 2.95% $7,142
SECURITYNATIONAL MORTGAGE COMPANY 5 2.80% $7,930
NATIONS DIRECT MORTGAGE, LLC 5 2.93% $3,049
Gateway First Bank 5 2.98% $5,983
FAMILY FIRST FUNDING LLC 5 2.85% $9,309
MORTGAGE EQUITY PARTNERS LLC 5 2.83% $6,843
TOWNE MORTGAGE COMPANY 5 2.90% $11,564
TBI MORTGAGE COMPANY 4 2.69% $7,335
BAY EQUITY LLC 4 3.13% $5,823
First Home Bank 4 2.88% $2,060
Mid-Continent Funding, Inc. 4 2.75% $17,429
OVM FINANCIAL, INC. 4 3.06% $8,441
POLARIS HOME FUNDING CORP. 4 2.53% $8,114
Towne Bank 4 2.56% $14,658
ROSS MORTGAGE CORPORATION 3 2.88% $7,722
Arvest Bank 3 2.42% $7,081
INTERCOASTAL MORTGAGE COMPANY 3 2.58% $5,888
ROYAL UNITED MORTGAGE LLC 3 3.08% $9,162
MID AMERICA MORTGAGE, INC. 3 2.67% $2,239
NORWICH COMMERCIAL GROUP, INC. 3 3.75% $6,855
CHERRY CREEK MORTGAGE, LLC 3 2.33% $5,173
Equity Prime Mortgage LLC 3 2.96% $4,589
MORTGAGE SOLUTIONS OF COLORADO, LLC 3 3.00% $2,955
PNC Bank 3 2.67% $3,474
Shamrock Home Loans, Inc. 3 3.08% $8,081
MCLEAN MORTGAGE CORPORATION 3 2.50% $7,553
Paramount Bank 3 2.63% $9,598
Evolve Bank & Trust 3 2.79% $4,323
Sierra Pacific Mortgage Company, Inc. 3 2.54% $9,048
Peoples Bank 3 2.63% $10,665
HOMESTAR FINANCIAL CORPORATION 3 2.79% $1,624
ZILLOW HOME LOANS, LLC 2 2.56% $8,135
RESOURCE FINANCIAL SERVICES, INC. 2 2.75% $9,393
UNION HOME MORTGAGE CORP. 2 2.25% $3,965
Armed Forces Bank 2 2.25% $6,848
Uwharrie Bank 2 2.69% $3,465
Vellum Mortgage, Inc. 2 2.94% $7,576
AMERICAN FINANCIAL RESOURCES, INC. 2 3.44% $2,473
Watermark Capital, Inc. 2 2.44% $2,765
DRAPER AND KRAMER MORTGAGE CORP. 2 2.50% $3,209
M&T Bank 2 2.81% $5,048
SIRVA MORTGAGE, INC. 2 3.38% $9,218
NATION ONE MORTGAGE CORPORATION 2 3.25% $2,949
Credence Funding Corporation 2 3.06% $3,840
HOMESTEAD FUNDING CORP. 2 2.31% $1,750
Century Mortgage Company DBA Century Lending Company 2 2.31% $4,382
Prime Choice Funding Inc. 2 2.56% $4,168
PHH Mortgage Corporation 2 2.81% $5,241
SWBC MORTGAGE CORPORATION 2 3.38% $1,742
Synovus Bank 2 2.81% $8,044
Home Mortgage Alliance Corp 2 3.44% $6,825
Academy Bank 2 2.50% $8,079
First Palmetto Bank 2 3.06% $2,624
The Central Trust Bank 2 2.75% $5,342
MORTGAGE ACCESS CORP. 2 3.00% $9,442
First Internet Bank of Indiana 2 2.69% $4,915
Blue Ridge Bank 2 2.81% $6,422
TIAA, FSB 2 2.50% $6,626
FirstBank 2 2.56% $15,514
AMERICAN PACIFIC MORTGAGE CORPORATION 1 2.75% $4,030
AMERICAN INTERNET MORTGAGE, INC. 1 2.38% $2,935
Victorian Finance, LLC 1 3.25% $10,352
Advisors Mortgage Group, L.L.C. 1 2.25% $3,577
Mutual Federal Bank 1 2.75% $8,337
Stifel Bank and Trust 1 2.50% $2,246
MICHIGAN MUTUAL, INC. 1 2.38% $6,180
Meridian Bank Corporation 1 2.25% $4,924
LIBERTY HOME MORTGAGE CORPORATION 1 2.25% $6,041
LEADERONE FINANCIAL CORPORATION 1 2.25% $5,276
Ixonia Bank 1 3.13% $8,960
Hometown Lenders, Inc. 1 2.38% $14,089
OCEANSIDE MORTGAGE COMPANY 1 2.75% $3,285
ON Q FINANCIAL, INC. 1 2.25% $2,659
West Town Bank & Trust 1 2.25% $3,092
HOMEOWNERS FINANCIAL GROUP USA, LLC 1 2.63% $9,434
Plains Commerce Bank 1 2.62% $9,171
GUARANTY HOME MORTGAGE CORPORATION 1 2.50% $10,195
Goldwater Bank, N.A. 1 2.25% $4,549
ACADEMY MORTGAGE CORPORATION 1 2.75% $14,421
PREMIA MORTGAGE, LLC 1 2.38% $6,860
PREMIER LENDING, INC. 1 2.38% $13,664
Presidential Bank, FSB 1 2.25% $3,393
GMFS LLC 1 2.50% $13,207
First State Bank of St. Charles, Missouri 1 2.25% $2,057
First Savings Bank 1 3.25% $4,048
First Reliance Bank 1 2.50% $16,218
First Mortgage Solutions, LLC 1 2.37% $9,023
RUOFF MORTGAGE COMPANY, INC. 1 2.88% $8,751
Sandy Spring Bank 1 2.25% $9,316
Service Federal Credit Union 1 2.88% $1,522
SIWELL, INC. 1 2.75% $4,318
Southern First Bank 1 2.75% $2,349
SOUTHPOINT FINANCIAL SERVICES, INC. 1 2.63% $6,148
Community First National Bank 1 2.88% $4,207
Citibank 1 3.25% $2,038
CELEBRITY HOME LOANS, LLC 1 2.50% $12,994
Sunflower Bank 1 2.38% $22,559
Capital City Home Loans, LLC 1 2.25% $10,877
T2 FINANCIAL LLC 1 3.13% $21,293
Texana Bank 1 2.38% $9,205
BOKF 1 2.63% $3,757
The Huntington National Bank 1 2.88% $1,170
Beach Community Mortgage Services, Inc. 1 2.75% $15,028
BANKSOUTH MORTGAGE COMPANY, LLC 1 2.88% $15,506
Austin Capital Bank SSB 1 2.88% $17,521
UNION SQUARE 1 2.38% $2,159
ARC HOME LLC 1 2.50% $20,681
AmRes Corporation 1 2.63% $11,401
AMERIFIRST FINANCIAL CORPORATION 1 3.38% $2,169

The top Charleston VA lender as defined by loan originations is FREEDOM MORTGAGE CORPORATION, with 566 VA loans originated. Their average total fees are $3,360, which is $1,941 lower than the next largest lender, QUICKEN LOANS, LLC.

The lowest fee Charleston VA lenders (with over 10 loans originated) are LAKEVIEW LOAN SERVICING, LLC ($2,548), Lakeview Community Capital, LLC ($2,712), Wyndham Capital Mortgage, Inc. ($2,900), PENTAGON FEDERAL CREDIT UNION ($2,928) and FREEDOM MORTGAGE CORPORATION ($3,360).

The lowest rate Charleston VA lenders (with over 10 loans originated) are BNC National Bank (2.31%), CLEARPATH LENDING (2.31%), VILLAGE CAPITAL MORTGAGE (2.33%), PENTAGON FEDERAL CREDIT UNION (2.34%) and ACCELERATE MORTGAGE, LLC (2.35%).


Market Conditions (Median, Average Prices & Listing Count)

Realtor.com - Charleston (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
Date Median Listing Price (YoY Change) Average Listing Price (YoY) MSA/US Median Price Ratio Active Listings
2018-01-01 $393,945 (5.2%) $666,998 (3.0%) 1.46 4,315
2018-02-01 $398,615 (3.7%) $671,931 (2.0%) 1.45 4,444
2018-03-01 $400,000 (0.0%) $690,847 (1.9%) 1.40 4,595
2018-04-01 $409,450 (-0.1%) $701,666 (3.0%) 1.39 4,743
2018-05-01 $417,000 (4.0%) $699,033 (2.9%) 1.39 4,819
2018-06-01 $411,760 (3.1%) $699,625 (3.3%) 1.37 4,902
2018-07-01 $409,425 (2.4%) $685,760 (2.2%) 1.37 4,934
2018-08-01 $399,125 (-0.2%) $677,912 (0.8%) 1.34 4,936
2018-09-01 $399,000 (0.7%) $670,709 (0.4%) 1.34 5,020
2018-10-01 $390,000 (-1.4%) $657,703 (-0.4%) 1.32 5,187
2018-11-01 $389,000 (-1.5%) $654,672 (-0.4%) 1.32 5,257
2018-12-01 $385,000 (-2.5%) $648,741 (-2.7%) 1.33 4,969
2019-01-01 $387,835 (-1.6%) $648,218 (-2.8%) 1.34 4,844
2019-02-01 $399,700 (0.3%) $663,664 (-1.2%) 1.35 4,946
2019-03-01 $404,657 (1.2%) $671,648 (-2.8%) 1.32 5,103
2019-04-01 $413,000 (0.9%) $683,644 (-2.6%) 1.31 5,270
2019-05-01 $416,575 (-0.1%) $689,659 (-1.3%) 1.30 5,277
2019-06-01 $419,000 (1.8%) $693,394 (-0.9%) 1.31 5,297
2019-07-01 $419,450 (2.5%) $696,565 (1.6%) 1.31 5,200
2019-08-01 $414,197 (3.8%) $690,509 (1.9%) 1.31 5,144
2019-09-01 $405,643 (1.7%) $681,114 (1.6%) 1.30 5,100
2019-10-01 $399,450 (2.4%) $675,714 (2.7%) 1.29 5,051
2019-11-01 $399,000 (2.6%) $680,673 (4.0%) 1.31 4,935
2019-12-01 $398,125 (3.4%) $680,231 (4.9%) 1.33 4,618
2020-01-01 $399,450 (3.0%) $679,678 (4.9%) 1.33 4,317
2020-02-01 $406,990 (1.8%) $693,841 (4.6%) 1.33 4,297
2020-03-01 $421,276 (4.1%) $699,371 (4.1%) 1.32 4,373
2020-04-01 $412,454 (-0.1%) $683,841 (0.0%) 1.29 4,458
2020-05-01 $425,000 (2.0%) $701,364 (1.7%) 1.29 4,317
2020-06-01 $429,000 (2.4%) $720,715 (3.9%) 1.26 3,955
2020-07-01 $433,171 (3.3%) $741,819 (6.5%) 1.26 3,617
2020-08-01 $439,000 (6.0%) $765,122 (10.8%) 1.26 3,324
2020-09-01 $443,100 (9.2%) $767,051 (12.6%) 1.27 3,073
2020-10-01 $435,000 (8.9%) $777,523 (15.1%) 1.25 2,940
2020-11-01 $433,700 (8.7%) $788,981 (15.9%) 1.27 2,750
2020-12-01 $439,875 (10.5%) $803,309 (18.1%) 1.31 2,466
2021-01-01 $449,902 (12.6%) $824,252 (21.3%) 1.34 2,050
2021-02-01 $499,499 (22.7%) $886,384 (27.8%) 1.45 1,564
2021-03-01 $494,390 (17.4%) $929,542 (32.9%) 1.40 1,422
2021-04-01 $500,000 (21.2%) $1,024,363 (49.8%) 1.35 1,302
2021-05-01 $531,627 (25.1%) $1,089,212 (55.3%) 1.41 1,227
2021-06-01 $525,000 (22.4%) $1,034,826 (43.6%) 1.38 1,347
2021-07-01 $491,990 (13.6%) $933,559 (25.9%) 1.30 1,604
2021-08-01 $479,465 (9.2%) $890,942 (16.4%) 1.28 1,705
2021-09-01 $454,643 (2.6%) $827,788 (7.9%) 1.21 1,736
2021-10-01 $474,000 (9.0%) $860,811 (10.7%) 1.26 1,583
2021-11-01 $465,000 (7.2%) $867,847 (10.0%) 1.24 1,506
2021-12-01 $467,617 (6.3%) $934,741 (16.4%) 1.27 1,269
2022-01-01 $480,990 (6.9%) $992,341 (20.4%) 1.30 1,005
2022-02-01 $507,699 (1.6%) $1,088,405 (22.8%) 1.32 828
2022-03-01 $513,508 (3.9%) $1,103,385 (18.7%) 1.29 848
2022-04-01 $525,000 (5.0%) $1,084,451 (5.9%) 1.25 899
2022-05-01 $547,496 (3.0%) $1,056,168 (-3.0%) 1.25 1,181
2022-06-01 $547,059 (4.2%) $1,036,719 (0.2%) 1.22 1,594
2022-07-01 $524,990 (6.7%) $978,820 (4.9%) 1.19 2,024
2022-08-01 $505,073 (5.3%) $930,531 (4.4%) 1.17 2,204
2022-09-01 $500,000 (10.0%) $918,908 (11.0%) 1.17 2,247
2022-10-01 $494,394 (4.3%) $901,298 (4.7%) 1.16 2,457
2022-11-01 $484,995 (4.3%) $894,855 (3.1%) 1.17 2,562
2022-12-01 $479,000 (2.4%) $904,651 (-3.2%) 1.20 2,422
Charleston's median listing price for 2022-12-01 was $479,000, a difference of $11,383 (2.4%) versus the prior year and $-5,995 versus the prior month.

Charleston's median listing price comes in at 120% of the national average.

Charleston's average listing price for 2022-12-01 was $904,651, a difference of $-30,090 (-3.2%) versus the prior year and $9,796 versus the prior month.

For the 2022-12-01 period, Charleston had 2,422 MLS listings, a difference of -140 listings (-5%) versus the prior month and 1,153 listings (91%) versus the prior year.

Median Listing Time on Market & Square Footage

Realtor.com - Charleston (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
Date Median Listing Time on Market Median Square Footage
2018-01-01 99 days 2,277 sqft
2018-02-01 93 days 2,295 sqft
2018-03-01 64 days 2,300 sqft
2018-04-01 65 days 2,311 sqft
2018-05-01 66 days 2,308 sqft
2018-06-01 70 days 2,302 sqft
2018-07-01 72 days 2,282 sqft
2018-08-01 78 days 2,245 sqft
2018-09-01 81 days 2,207 sqft
2018-10-01 80 days 2,176 sqft
2018-11-01 83 days 2,144 sqft
2018-12-01 89 days 2,135 sqft
2019-01-01 95 days 2,135 sqft
2019-02-01 91 days 2,158 sqft
2019-03-01 76 days 2,178 sqft
2019-04-01 66 days 2,208 sqft
2019-05-01 68 days 2,226 sqft
2019-06-01 71 days 2,215 sqft
2019-07-01 74 days 2,217 sqft
2019-08-01 77 days 2,202 sqft
2019-09-01 79 days 2,189 sqft
2019-10-01 82 days 2,179 sqft
2019-11-01 84 days 2,147 sqft
2019-12-01 88 days 2,138 sqft
2020-01-01 94 days 2,135 sqft
2020-02-01 86 days 2,144 sqft
2020-03-01 62 days 2,174 sqft
2020-04-01 66 days 2,180 sqft
2020-05-01 75 days 2,224 sqft
2020-06-01 78 days 2,235 sqft
2020-07-01 68 days 2,230 sqft
2020-08-01 61 days 2,212 sqft
2020-09-01 59 days 2,197 sqft
2020-10-01 58 days 2,173 sqft
2020-11-01 59 days 2,132 sqft
2020-12-01 66 days 2,134 sqft
2021-01-01 73 days 2,147 sqft
2021-02-01 55 days 2,102 sqft
2021-03-01 42 days 2,121 sqft
2021-04-01 38 days 2,166 sqft
2021-05-01 31 days 2,168 sqft
2021-06-01 25 days 2,144 sqft
2021-07-01 26 days 2,169 sqft
2021-08-01 33 days 2,109 sqft
2021-09-01 33 days 2,102 sqft
2021-10-01 39 days 2,086 sqft
2021-11-01 38 days 2,080 sqft
2021-12-01 46 days 2,090 sqft
2022-01-01 57 days 2,140 sqft
2022-02-01 26 days 2,153 sqft
2022-03-01 17 days 2,169 sqft
2022-04-01 16 days 2,163 sqft
2022-05-01 16 days 2,206 sqft
2022-06-01 21 days 2,210 sqft
2022-07-01 29 days 2,218 sqft
2022-08-01 37 days 2,211 sqft
2022-09-01 44 days 2,204 sqft
2022-10-01 46 days 2,178 sqft
2022-11-01 48 days 2,174 sqft
2022-12-01 60 days 2,150 sqft
Charleston's median listing age (time on market) for 2022-12-01 was 60 days. This is 30% longer than the same period one year ago.

Charleston's median square footage for active listings during the 2022-12-01 period was 2,150 sqft. One year prior, the average listing was 2,090 sqft.

VA Loan Features

  • No down payment required
  • Negotiable and competitive interest rate.
  • Ability to finance the VA funding fee (plus reduced funding fees with a down payment of at least 5 percent and exemption for veterans receiving VA compensation).
  • VA rules limit the amount you can be charged for closing costs.
  • Closing costs are comparable with other financing types (and may be lower).
  • Closing costs may be paid by the seller.
  • No private mortgage insurance premiums are required.
  • An assumable mortgage.
  • Right to prepay your mortgage without penalty.
  • For homes inspected by VA during construction, a warranty from builder and assistance from VA to obtain cooperation of builder.
  • VA assistance to veteran borrowers in default due to temporary financial difficulty.