Richland County, South Carolina home prices
Typical home $241,261 · +0.8% in a year · property tax 0.67%
The typical home in Richland County is worth $241,261, 21% less than the South Carolina typical home ($304,319). Values changed +0.8% in the past year and +26.8% over five years. Homeowners here pay a median 0.67% of their home's value in property tax each year ($1,627 on the typical home), versus 0.45% statewide.
Mortgage on the typical Richland County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $48,252 | $193,009 | $1,298 | $0 | $256 | $1,555 | $66,600 |
| 10% down | $24,126 | $217,135 | $1,461 | $90 | $256 | $1,807 | $77,500 |
| 5% down | $12,063 | $229,198 | $1,542 | $95 | $256 | $1,894 | $81,200 |
| 3.5% down (FHA) | $8,444 | $236,891 | $1,594 | $107 | $256 | $1,956 | $83,800 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.67% 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 |
|---|---|---|---|
| Aiken County | $243,437 | +3.2% | 0.41% |
| Colleton County | $251,954 | +0.3% | 0.55% |
| Kershaw County | $259,885 | +3.3% | 0.47% |
| Newberry County | $222,525 | +6.2% | 0.67% |
| Laurens County | $214,803 | -1.3% | 0.41% |
| Chester County | $211,424 | -0.4% | 0.56% |
| Lexington County | $271,722 | +1.6% | 0.49% |
| Abbeville County | $209,757 | +4.6% | 0.44% |
| Calhoun County | $209,607 | +4.9% | 0.41% |
| Spartanburg County | $274,874 | +1.1% | 0.55% |
Frequently asked questions
What is the average home price in Richland County, SC?
The typical home value in Richland County is $241,261 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Richland County?
About $66,600 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Richland County?
The median effective rate is 0.67% of home value a year (Census ACS 2024 5-year estimates).