Rock Hill Home Prices: The Trailing 12 Months
Source: Home Grown Property Group's own Canopy MLS data mirror. Closed and active single family homes in Rock Hill, SC only. Trailing twelve months compared to the prior twelve months. Pulled September 15, 2026.
Rock Hill has kept climbing this year while some of its higher priced SC neighbors gave a little back. The trailing twelve month median of $350,000 is up from $340,500 in the twelve months before that, a gain of about 2.8%. It is a modest move, not a spike, which fits a market that is growing on steady demand rather than a short term rush.
Homes are moving at a median of 26 days on market, close behind Fort Mill's 24 days and well ahead of Tega Cay's 32, despite Rock Hill's much lower price point. At roughly 3.0 months of supply, the market still leans toward sellers, though less sharply than Fort Mill or Tega Cay, which typically run tighter. That combination, rising price, quick sales, and inventory still under a balanced 5 to 6 month line, reads as a market with real underlying demand rather than one being propped up by a single hot pocket of buyers.
Why Rock Hill Stays the Value Play: Schools, Growth, and the SC Tax Advantage
Rock Hill's price gap with Fort Mill and Tega Cay is not random. A few structural factors explain most of it, and one of them cuts against Rock Hill rather than for it, which is worth saying plainly.
A solid, but not top-ranked, school district
Rock Hill Schools carries a Niche B grade and ranks 36th of 75 school districts statewide in South Carolina for 2026, well behind the Fort Mill School District's number one ranking that covers both Fort Mill and Tega Cay. That gap in school ranking is a real, honest part of why Rock Hill's median price runs roughly $210,000 below Fort Mill and $290,000 below Tega Cay. Buyers who prioritize a top ranked district elsewhere are trading some of that ranking for a meaningfully lower price here.
Winthrop University and a growing downtown
Rock Hill is the York County seat and home to Winthrop University, with a revitalized downtown and steadily expanding retail and dining. That kind of anchor institution and downtown investment supports a broader, more diverse buyer pool, students, faculty, young professionals, and families, than a smaller bedroom community typically draws, which helps explain why sales volume here (1,329 closings over the trailing twelve months) dwarfs Fort Mill's or Tega Cay's.
South Carolina's 4% owner occupied tax rate
Rock Hill benefits from the same statewide mechanism as Fort Mill and Tega Cay: South Carolina assesses an owner occupied legal residence at a 4% ratio, versus 6% for a second home, rental, or investment property. Paired with Rock Hill's lower purchase price, that generally adds up to a meaningfully lower total housing cost than a comparable home in Mecklenburg County, though the exact dollar figure still depends on the specific county and municipal millage rate.
Rock Hill vs. Fort Mill, Tega Cay, and Charlotte
These four figures come from the same MLS mirror, the same property type filter, and the same trailing twelve month window, so they are directly comparable to each other rather than stitched together from different sources with different methodologies.
| Market | Median Closed Price | Median Days on Market | Closed Sales (12 mo) |
|---|---|---|---|
| Rock Hill, SC | $350,000 | 26 | 1,329 |
| Fort Mill, SC | $560,000 | 24 | 1,268 |
| Tega Cay, SC | $640,000 | 32 | 189 |
| Charlotte, NC | $380,000 | 21 | 11,336 |
Single family closed sales, trailing twelve months, same MLS mirror and methodology across all four markets. Pulled September 15, 2026.
Rock Hill is the value play of the group: the lowest median price of the three SC markets by a wide margin, sales volume that rivals all of Charlotte proper's outlying towns combined, and a days on market figure that still competes with Fort Mill's despite that price gap.
Mortgage Rates and Affordability
The 30 year fixed rate was running right around 6.9% to 7.0% as of mid September 2026. At Rock Hill's $350,000 median, that rate environment still produces one of the more accessible monthly payments among the Charlotte area's SC border markets, which is part of why sales volume here has stayed strong even as higher priced neighbors have cooled.
Rock Hill Housing Market Questions, Answered
What is the median home price in Rock Hill, SC right now?
Rock Hill, SC single family homes closed at a median price of $350,000 over the trailing twelve months, based on closed sales in the Canopy MLS. That is a snapshot of a full year of closings, not a single month, so it smooths out normal seasonal swings.
Are home prices rising or falling in Rock Hill, SC?
Rising, modestly. The trailing twelve month median of $350,000 is up about 2.8 percent from the $340,500 median in the prior twelve month period. That is a smaller move than the swings in some of Rock Hill's SC neighbors, which fits a market that is growing steadily rather than spiking.
How many days does it take to sell a home in Rock Hill, SC?
The median is 26 days on market over the trailing twelve months. For comparison, Fort Mill runs a median of 24 days and Tega Cay runs 32, so Rock Hill sells at a similar pace to its higher priced SC neighbors despite a much lower price point.
Is Rock Hill a buyer's market or a seller's market in 2026?
At roughly 3.0 months of supply (335 active single family listings against about 111 closings a month), Rock Hill leans toward sellers, though less sharply than Fort Mill or Tega Cay. A balanced market is typically considered 5 to 6 months of supply, so Rock Hill still has meaningfully less inventory than that line implies.
Why is Rock Hill more affordable than Fort Mill or Tega Cay?
Rock Hill's own school district, Rock Hill Schools, carries a Niche B grade and ranks 36th of 75 South Carolina districts, well behind the number one ranked Fort Mill School District that covers both Fort Mill and Tega Cay. That difference in school ranking is a real part of why Rock Hill's median price runs $210,000 below Fort Mill and $290,000 below Tega Cay. In exchange, buyers get a York County seat with Winthrop University, a revitalized downtown, and meaningfully more house for the money.
Do South Carolina property taxes make Rock Hill cheaper than a similar home in Charlotte, NC?
Often, yes, for an owner occupied primary residence. South Carolina assesses an owner occupied legal residence at a 4 percent ratio, versus 6 percent for a second home or investment property, the same statewide mechanism that benefits Fort Mill and Tega Cay. Combined with Rock Hill's lower purchase price, that generally means a meaningfully lower total housing cost than a comparable home in Mecklenburg County, though the exact dollar difference still depends on the specific county and municipal millage rate.
How does Rock Hill compare to Fort Mill and Tega Cay?
Over the trailing twelve months, Rock Hill's single family median closed price is $350,000, against $560,000 in Fort Mill and $640,000 in Tega Cay. Rock Hill sells in a median of 26 days, close to Fort Mill's 24 and faster than Tega Cay's 32, despite the large price gap.
Where does this Rock Hill housing market data come from?
Every price, days on market, and inventory figure on this page comes directly from Home Grown Property Group's own Canopy MLS data mirror, filtered to closed and active single family homes in Rock Hill, SC, pulled September 15, 2026. It is not blended from third party estimate sites, so it reflects what actually closed rather than an algorithmic guess.