Mortgage Refinance Rates in York County, South Carolina (2026)
If you own in York County or elsewhere in York County, South Carolina, a refinance could cut your payment by around $158/month — the gap between a ~7.50% rate and today's example 6.25% on a $189,000 loan.
Refinance savings in York County
Here is how a rate-and-term refinance changes the monthly payment on a representative York County balance:
| Payment | Per Month |
|---|---|
| Today (~7.50%) | $1,322 |
| Refinanced (~6.25%) | $1,164 |
| What you would save | $158 |
Illustrative only; the rate you are quoted near York County depends on your credit, equity, and the day you lock. Get alerts when rates drop.
Three York County-area balances compared
How monthly savings scale with balance near York County:
| Balance | Now (~7.50%) | Refi (~6.25%) | Monthly Saved |
|---|---|---|---|
| $132,000 | $923 | $813 | $110 |
| $189,000 | $1,322 | $1,164 | $158 |
| $255,000 | $1,783 | $1,570 | $213 |
What each rate costs near York County
How the York County payment on $189,000 changes with the rate you lock:
| Rate | 30-yr P&I | 15-yr P&I |
|---|---|---|
| 5.50% | $1,073 | $1,544 |
| 5.75% | $1,103 | $1,569 |
| 6.00% | $1,133 | $1,595 |
| 6.25% | $1,164 | $1,621 |
| 6.50% | $1,195 | $1,646 |
| 6.75% | $1,226 | $1,672 |
| 7.00% | $1,257 | $1,699 |
A 15-year refinance of $189,000 near York County runs about $1,621/month versus $1,164 on a 30-year — a higher payment near York County but far less total interest over the life of the York County loan.
Cash-out refinance in York County
With values near $278,000, an 80% cash-out leaves about $33,400 available in York County after paying off the current $189,000 balance.
| Cash-Out Figure | Amount |
|---|---|
| Appraised value (est.) | $278,000 |
| Balance you owe now | $189,000 |
| Max new loan at 80% LTV | $222,400 |
| Cash you could pull out | $33,400 |
In York County, South Carolina, property taxes average roughly 0.57% of value, so escrow on a $278,000 home adds about $132/month beyond principal and interest. A $189,000 balance sits near 68% loan-to-value, leaving about $89,000 in equity — room for a rate-and-term refinance now and a cash-out later around York County.
When a York County refinance becomes jumbo
The 2026 conforming ceiling in York County is $806,500, the standard baseline. Above it, expect jumbo pricing and tighter underwriting.
- York County value about $278,000 with a $189,000 balance (~68% LTV).
- Monthly savings near $158; break-even around month 30 on $4,725 of costs.
- Five-year net of about $4,744 and cash-out room near $33,400.
- Conforming limit $806,500; current equity roughly $89,000 near York County.
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Frequently Asked Questions
- How much can I save refinancing in York County in 2026?
- On a typical $189,000 balance, moving from about 7.50% to 6.25% saves roughly $158/month in principal and interest. Your savings depend on your current rate, balance, and term.
- How much cash can I take out of my York County-area home?
- Conventional cash-out refinances are capped at 80% of appraised value. On an estimated $278,000 York County home with a $189,000 balance, that is about $33,400 in available cash.
- What is the conforming loan limit in York County for 2026?
- The 2026 conforming limit is $806,500 for a one-unit home (the national baseline). Refinances above that are jumbo loans.
- When does a refinance pay off in York County?
- Divide your closing costs (about $4,725 here) by your monthly savings. In this example you break even near month 30 — refinance only if you will keep the home past that.
- How much equity is in a typical York County-area home?
- On an estimated $278,000 value with a $189,000 balance, that is about $89,000 in equity — roughly 32%. A conventional cash-out requires you to keep 20%.
- Is now a good time to refinance in York County?
- A common rule of thumb: refinance when you can cut your rate by about 0.75 to 1% and stay past your break-even (near month 30 here). On a $189,000 York County balance, that move is worth roughly $158 a month.