Suburbs such as Goose Creek and Summerville are keeping a lid on home loan balances, even as Ladson, Moncks Corner and Mount Pleasant face a mounting pile of expenses, according to a new report on mortgage debt.

WalletHub also found the Charleston area falls into one of the lowest rankings for mortgage debt, thanks to a median home loan balance of $95,607, a $153,000 median house value and midpoint income of $46,758. The mortgage debt-to-income ratio of 204 percent fits in the fifth lowest grouping of borrower payments and the 62 percent mortgage debt-to-house value ratio places 15th lowest.

The personal finance website rolled out its 2018 Home Overleverage Report as "mortgage rates (are ) slowly climbing but still low, and demand for homes exceeding supply."

WalletHub compared the median mortgage debt with the midpoint income and home value in more than 2,500 U.S. cities, "in order to determine where homeowners have the most unsustainable mortgage debts." Willis, Texas, north of Houston ranked the most over-leveraged city in the nation, while Bronxville, New York, northeast of Manhattan faces the least daunting mortgage bills.

Figures for South Carolina's few dozen mid-sized and small cities don't unveil a clear pattern for over- and normally-leveraged households but the most over-burdened are primarily on the coast and the least financially stressed cluster in the Pee Dee.

For more, visit https://wallethub.com/mortgage-calculator/.

South Carolina-based cities ranked by most to least over-leveraged, which includes debt percentile from highest to lowest, median mortgage expenses, midpoint home value and median debt-to-income ratio.

Elgin - 95, $143,547, $117,100, 366 percent.

Clover - 88, $141,605, $135,800, 383 percent.

Bluffton - 87, $181,322, $209,500, 461 percent.

Simpsonville - 85, $156,082, $155,700, 380 percent.

Ladson - 80, $134,652, $138,700, 360 percent.

York - 77, $116,544, $126,400, 364 percent.

Hilton Head Island - 76, $237,708, $455,600, 571 percent.

Seneca - 73, $135,439, $153,900, 367 percent.

Fort Mill - 72, $191,068, $222,200, 376 percent.

Moncks Corner - 71, $154,370, $179,500, 373 percent.

Piedmont - 69, $104,534, $103,800, 288 percent.

Mount Pleasant - 67, $273,333, $395,300, 445 percent.

Greer - 67, $138,842, $156,800, 339 percent.

Myrtle Beach - 66, $139,399, $190,200, 421 percent.

Irmo - 65, $119,845, $122,900, 288 percent.

Inman - 63, $105,083, $103,600, 264 percent.

Beaufort - 62, $153,380, $217,400, 413 percent.

North Charleston - 59, $125,014, $160,500, 367 percent.

Rock Hill - 57, $117,116, $137,000, 325 percent.

Greenwood - 54, $90,061, $102,600, 298 percent.

Laurens - 52, $77,073, $89,900, 300 percent.

Georgetown - 51, $97,295, $133,300, 366 percent.

Charleston - 48, $181,304, $273,600, 394 percent.

Easley - 48, $119,283, $145,300, 308 percent.

Lancaster - 47, $96,201, $116,500, 302 percent.

Summerville - 45, $149,024, $186,600, 311 percent.

Conway - 43, $109,813, $149,500, 340 percent.

Anderson - 41, $105,415, $130,700, 293 percent.

Spartanburg - 35, $94,827, $120,300, 283 percent.

Murrells Inlet - 33, $148,408, $233,300, $41,691 356 percent.

Taylors - 33, $111,147, $143,500, 288 percent.

Walterboro - 29, $105,701, $157,600, 328 percent.

Goose Creek - 27, $127,249, $172,500, 286 percent.

Lexington - 25, $134,644, $177,400, 269 percent.

Columbia - 24, $117,707, $167,900 $39,860 295 percent.

Sumter - 24 $100,016, $147,200, 304 percent.

Gaffney - 20, $79,209, $103,700 278 percent.

West Columbia - 19, $95,883, $144,600, 299 percent.

Aiken - 17, $128,273, $180,600, 264 percent.

North Augusta - 13, $109,250, $158,700, 269 percent.

Orangeburg - 13, $86,656, $140,300, 295 percent.

Camden - 13, $104,977, $146,700, 234 percent.

Florence - 8, $103,013, $166,400, 268 percent.

Greenville - 3, $128,739, $257,300, 296 percent.

Hartsville - 2, $84,320, $129,000, 195 percent.

Darlington - 1, $62,593, $127,400, 206 percent.