Kershaw County, South Carolina home prices
Typical home $259,885 · +3.3% in a year · property tax 0.47%
The typical home in Kershaw County is worth $259,885, 15% less than the South Carolina typical home ($304,319). Values changed +3.3% in the past year and +24.1% over five years. Homeowners here pay a median 0.47% of their home's value in property tax each year ($1,213 on the typical home), versus 0.45% statewide.
Mortgage on the typical Kershaw County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $51,977 | $207,908 | $1,399 | $0 | $231 | $1,630 | $69,800 |
| 10% down | $25,988 | $233,896 | $1,573 | $97 | $231 | $1,902 | $81,500 |
| 5% down | $12,994 | $246,890 | $1,661 | $103 | $231 | $1,995 | $85,500 |
| 3.5% down (FHA) | $9,096 | $255,177 | $1,717 | $115 | $231 | $2,063 | $88,400 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.47% 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 |
|---|---|---|---|
| Colleton County | $251,954 | +0.3% | 0.55% |
| Lexington County | $271,722 | +1.6% | 0.49% |
| Spartanburg County | $274,874 | +1.1% | 0.55% |
| Aiken County | $243,437 | +3.2% | 0.41% |
| Edgefield County | $277,600 | +1.5% | 0.43% |
| Richland County | $241,261 | +0.8% | 0.67% |
| Anderson County | $287,369 | +1.2% | 0.45% |
| Oconee County | $287,580 | +2.3% | 0.38% |
| Newberry County | $222,525 | +6.2% | 0.67% |
| Laurens County | $214,803 | -1.3% | 0.41% |
Frequently asked questions
What is the average home price in Kershaw County, SC?
The typical home value in Kershaw County is $259,885 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Kershaw County?
About $69,800 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Kershaw County?
The median effective rate is 0.47% of home value a year (Census ACS 2024 5-year estimates).