Lancaster County, South Carolina home prices
Typical home $378,849 · -2.0% in a year · property tax 0.5%
The typical home in Lancaster County is worth $378,849, 24% more than the South Carolina typical home ($304,319). Values changed -2.0% in the past year and +17.5% over five years. Homeowners here pay a median 0.5% of their home's value in property tax each year ($1,903 on the typical home), versus 0.45% statewide.
Mortgage on the typical Lancaster County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $75,770 | $303,079 | $2,039 | $0 | $348 | $2,387 | $102,300 |
| 10% down | $37,885 | $340,964 | $2,294 | $142 | $348 | $2,784 | $119,300 |
| 5% down | $18,942 | $359,907 | $2,421 | $150 | $348 | $2,919 | $125,100 |
| 3.5% down (FHA) | $13,260 | $371,987 | $2,502 | $168 | $348 | $3,018 | $129,300 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.5% 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 Charlotte metro area.
South Carolina counties with similar prices
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Berkeley County | $378,292 | -0.0% | 0.45% |
| York County | $383,056 | -1.5% | 0.48% |
| Georgetown County | $387,236 | +0.1% | 0.41% |
| Jasper County | $403,389 | -3.9% | 0.57% |
| Dorchester County | $348,212 | -0.9% | 0.56% |
| Greenville County | $336,744 | +1.6% | 0.51% |
| Horry County | $319,809 | +0.4% | 0.33% |
| McCormick County | $316,274 | +4.2% | 0.56% |
| Pickens County | $307,321 | +2.5% | 0.37% |
| Oconee County | $287,580 | +2.3% | 0.38% |
Frequently asked questions
What is the average home price in Lancaster County, SC?
The typical home value in Lancaster County is $378,849 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Lancaster County?
About $102,300 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Lancaster County?
The median effective rate is 0.5% of home value a year (Census ACS 2024 5-year estimates).