Kershaw County · Palmetto Heroes
Help for first-time buyers in Kershaw County, South Carolina
Kershaw County buyers get County First financing, the looser first-time rule and SC Housing's $10,000 forgivable DPA year-round.
- County seat
- Camden
- Residents
- 73,166
- Income ceiling, 3+
- $134,120
- Highest price
- $450,000
About buying in Kershaw County
Camden is the county seat, with Lugoff, Elgin and Bethune nearby. The Kershaw County School District is the main school employer, and the sheriff's office, Camden Police and Camden Fire employ roles from the 2026 Heroes list.
Kershaw County is named in SC Housing's County First Initiative. It's a targeted county, so you only need to not own a home when you close. It uses the default limits of $114,960 for 1-2 people and $134,120 for 3 or more.
Not to be confused with the town of Kershaw, which sits in Lancaster County with different rules.
Limits that apply in Kershaw County
| Households of one or two | Households of three or more | Highest purchase price |
|---|---|---|
| $114,960 | $134,120 | $450,000 |
Kershaw County uses $114,960 for 1-2 people and $134,120 for 3+, with the $450,000 price limit. You may also consult the statewide table or work out a comfortable price.
Further assistance offered in Kershaw County
Our research turned up no program run only for Kershaw County at present. The statewide choices remain open to you; you will find them in the complete list for South Carolina.
Homebuyer classes near Kershaw County
Nearly every assistance program asks you to complete a homebuyer class before closing. The HUD-approved agencies below, each within reach of Kershaw County, teach that class or offer counseling before purchase.
| Agency | Location | Miles away | Offered | Languages | How it is taught |
|---|---|---|---|---|---|
| City of Florence | Florence | 48 mi | homebuyer education class, pre-purchase counseling | English | Face to Face, Phone, Internet |
Taken from HUD’s list of housing counseling agencies. A given program may not accept every class.
Local employers whose staff may qualify
Among the eligible employers in and around Kershaw County:
- Kershaw County School District
- Kershaw County Sheriff's Office
- Camden Police Department
- Camden Fire Department
Kershaw County School District staff and Camden's police and fire departments matched 2026 roles. The full list of eligible professions
Questions about Kershaw County
Is Kershaw County in County First?
Yes. SC Housing names Kershaw among County First counties.
Does Elgin use the same limits as Camden?
Yes. All of Kershaw County uses $114,960 / $134,120.
Can I buy now with $10,000 help?
Yes, through the year-round SC Housing Homebuyer Program.
