Tega Cay, SC
Tega Cay Homes for Sale: An Honest Area Guide
Direct answer
Tega Cay is its own city, separate from Fort Mill, on a peninsula in Lake Wylie in York County, South Carolina, with about 14,500 residents, a city golf course, beaches, and a marina. It shares ZIP 29708 with Fort Mill and its students attend Fort Mill Schools, but it has its own city government and tax rate. The 2026 year-to-date median sale price was $597,320 per Canopy MLS. The trade-offs are limited supply and limited routes out.
Homes for sale
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The numbers
What do homes cost in Tega Cay right now?
Source: Canopy Realtor Association: Local Market Update for September 2026 (city reports) and Charlotte Region Marketwatch Q3 2026 (ZIP and county tables), data current as of October 5, 2026. Medians do not account for concessions or down payment assistance.
At a glance
Tega Cay at a glance
| Item | Tega Cay |
|---|---|
| County | York, SC |
| Government | Incorporated city (separate from Fort Mill) |
| Population | 14,457 (Census estimate, July 2025) |
| Public schools | Fort Mill Schools (York County School District 4); assignment by address |
| Main roads | SC 160, Tega Cay Dr, Gold Hill Rd, I-77 about 10 minutes east |
| Drive to Uptown | About 25 to 35 minutes off-peak, 45 to 60 or more at rush hour (estimate) |
| Property tax | Roughly 0.96% of value for an owner-occupied home (2025 millage); city millage held at 86 mills for FY2026-27 |
| ZIP | 29708 (shared with Fort Mill) |
Sources: U.S. Census Bureau; county and municipal budgets and millage schedules; district websites. Drive times are estimates; test your commute at your actual hour. Effective SC rates are approximate calculations that exclude fees and credits.
Before you buy
What most buyers get wrong about Tega Cay
Tega Cay is not part of Fort Mill. It's a separate city with its own council, budget, and millage. It shares the 29708 ZIP and Fort Mill Schools, which is why the two get blurred together.
ZIP-level stats blend two markets. The 29708 figures include parts of Fort Mill, so use Tega Cay's own city numbers. Monthly samples are small (19 sales in September 2026), so the year-to-date median of $597,320 is the steadier guide.
Lake access comes in tiers. Private dock, community slip, marina membership, or public launch, at very different prices. Decide which tier you need before you shop, and check covenants, dock permitting, shoreline rules, flood zone, and insurance on waterfront homes.
Supply and egress are the trade-off. The peninsula limits how many homes come to market, and much of the city funnels to one main route out, which shows on weekday mornings.
Apply for the 4 percent rate. In South Carolina, an owner-occupied primary home is assessed at 4 percent of value instead of 6 percent, but you have to apply for it with the county after closing. Without it, the bill on the same house can be roughly three to four times higher.
Fit
Who is Tega Cay a good fit for?
It tends to suit
- Buyers who want Lake Wylie living close to Fort Mill and I-77
- Buyers who want a city golf course, beaches, and parks at the door
- Commuters to Ballantyne, Fort Mill's I-77 corridor, or the airport
- Buyers who value an established community over new subdivisions
Look elsewhere if
- You need a wide selection quickly
- You want the fastest possible exit to I-77 every morning
- You want water frontage with fewer covenants (look at Lake Wylie)
Housing
What kinds of homes are in Tega Cay?
Mostly single-family HOA communities, including lakefront and lake-view homes, established 1980s and 1990s homes on mature interior streets, some townhomes, and newer construction on the remaining developable land near SC 160.
The Peninsula
The most direct lake relationships.
Windjammer and Tega Cay Village
Established interior streets with mature landscaping.
Stonecrest
Newer construction on remaining developable land.
Lake Wylie on nearly every side, the city's golf course and marina, the Tega Cay Beach and Swim Center, and the Philip T. Glennon Center.
Shopping new construction here? Read how I represent buyers with builders before your first model home visit.
Thinking seriously about Tega Cay?
Let's make Tega Cay specific to you
Tell me what would help most and I'll send it over: homes that match, new listing alerts, the school assignment for a specific address, what the tax bill would really be, new construction options, or a side-by-side with another area.
No pressure. Just the honest version.
Tega Cay questions
Is Tega Cay part of Fort Mill?
No. Tega Cay is its own incorporated city with its own government and tax rate. It shares ZIP 29708 and Fort Mill Schools with Fort Mill.
Is Tega Cay in the Fort Mill school district?
Yes, Fort Mill Schools (York County School District 4). Assignment is still by address, and boundaries change as the district adds schools.
How much do homes cost in Tega Cay, SC?
The 2026 year-to-date median sale price was $597,320, and September 2026's was $526,500 on a small sample of 19 sales, according to Canopy MLS.
Do you need lake frontage to get lake access in Tega Cay?
No. Access comes in tiers, from private docks to community slips, marina memberships, and public launches, with covenants that vary by community.
What is the biggest downside of Tega Cay?
Supply and egress. The peninsula limits selection, and much of the city funnels to one main route out.
Buying in Tega Cay?
Get the honest version before you tour
Book a 20-minute call and I'll tell you which streets, pockets, and price points make sense for you.
Or call or text (704) 746-3566.