Oconee County, South Carolina home prices
Typical home $287,580 · +2.3% in a year · property tax 0.38%
The typical home in Oconee County is worth $287,580, 6% less than the South Carolina typical home ($304,319). Values changed +2.3% in the past year and +28.0% over five years. Homeowners here pay a median 0.38% of their home's value in property tax each year ($1,090 on the typical home), versus 0.45% statewide.
Mortgage on the typical Oconee County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $57,516 | $230,064 | $1,548 | $0 | $235 | $1,782 | $76,400 |
| 10% down | $28,758 | $258,822 | $1,741 | $108 | $235 | $2,084 | $89,300 |
| 5% down | $14,379 | $273,201 | $1,838 | $114 | $235 | $2,186 | $93,700 |
| 3.5% down (FHA) | $10,065 | $282,371 | $1,900 | $127 | $235 | $2,261 | $96,900 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.38% 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 Seneca metro area.
South Carolina counties with similar prices
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Anderson County | $287,369 | +1.2% | 0.45% |
| Edgefield County | $277,600 | +1.5% | 0.43% |
| Spartanburg County | $274,874 | +1.1% | 0.55% |
| Lexington County | $271,722 | +1.6% | 0.49% |
| Pickens County | $307,321 | +2.5% | 0.37% |
| Kershaw County | $259,885 | +3.3% | 0.47% |
| McCormick County | $316,274 | +4.2% | 0.56% |
| Horry County | $319,809 | +0.4% | 0.33% |
| Colleton County | $251,954 | +0.3% | 0.55% |
| Aiken County | $243,437 | +3.2% | 0.41% |
Frequently asked questions
What is the average home price in Oconee County, SC?
The typical home value in Oconee County is $287,580 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Oconee County?
About $76,400 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Oconee County?
The median effective rate is 0.38% of home value a year (Census ACS 2024 5-year estimates).