Fort Mill offers several entry points for first-time buyers despite the $555K median home price. Here's where to find quality homes under $450K in October 2025: Townhomes and condos provide the most affordable entry at $345K median price. Look in communities near Kingsley Town Center, along Highway 160, and in older sections of Baxter Village for townhomes with HOA amenities. Neighborhoods near Fort Mill Elementary and Riverview Elementary (both rated 55/100) offer solid schools at lower price points than top-rated zones. Single-family homes in the $380K-$440K range provide 3-4 bedrooms with yards. Adjacent areas like York and Lake Wylie offer Fort Mill school access at reduced prices. Homes in these areas typically run $50K-$100K less than comparable properties in core Fort Mill. Negotiating power: Current market conditions favor buyers, with homes selling 2% below list price and 69 days on market. This creates opportunity for first-time buyers to negotiate repairs, closing costs, or price reductions. Down payment assistance: South Carolina Housing offers programs for first-time buyers including down payment assistance and reduced mortgage insurance. Local credit unions provide special first-time buyer programs with competitive rates. Future appreciation: Even "starter" neighborhoods in Fort Mill benefit from the area's growth trajectory and excellent school district. Properties near the planned transit corridor and commercial developments offer strong long-term potential. Work with a buyer's agent familiar with emerging neighborhoods and off-market opportunities that fit first-time budgets. Consider commute times and resale potential when choosing your entry-level home.