Fairfield County, South Carolina home prices
Typical home $194,708 · +3.8% in a year · property tax 0.51%
The typical home in Fairfield County is worth $194,708, 36% less than the South Carolina typical home ($304,319). Values changed +3.8% in the past year and -15.8% over five years. Homeowners here pay a median 0.51% of their home's value in property tax each year ($999 on the typical home), versus 0.45% statewide.
Mortgage on the typical Fairfield County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $38,942 | $155,767 | $1,048 | $0 | $181 | $1,228 | $52,600 |
| 10% down | $19,471 | $175,237 | $1,179 | $73 | $181 | $1,432 | $61,400 |
| 5% down | $9,735 | $184,973 | $1,244 | $77 | $181 | $1,502 | $64,400 |
| 3.5% down (FHA) | $6,815 | $191,182 | $1,286 | $86 | $181 | $1,553 | $66,600 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.51% of the home value a year, homeowners insurance of 0.6% a year, PMI of 0.5% of the loan a year when the down payment is under 20%, and FHA mortgage insurance of 0.55% a year plus a 1.75% upfront premium added to the loan. Your rate, taxes and insurance will differ.
What it takes: see what you can afford by salary in South Carolina · part of the Columbia metro area.
South Carolina counties with similar prices
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Cherokee County | $189,612 | -2.5% | 0.43% |
| Clarendon County | $187,053 | -3.9% | 0.56% |
| Sumter County | $203,810 | +2.0% | 0.53% |
| Chesterfield County | $185,129 | +4.6% | 0.42% |
| Florence County | $204,585 | +4.0% | 0.42% |
| Saluda County | $207,445 | +2.9% | 0.51% |
| Calhoun County | $209,607 | +4.9% | 0.41% |
| Abbeville County | $209,757 | +4.6% | 0.44% |
| Chester County | $211,424 | -0.4% | 0.56% |
| Greenwood County | $174,626 | +0.2% | 0.53% |
Frequently asked questions
What is the average home price in Fairfield County, SC?
The typical home value in Fairfield County is $194,708 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Fairfield County?
About $52,600 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Fairfield County?
The median effective rate is 0.51% of home value a year (Census ACS 2024 5-year estimates).