Spartanburg County, South Carolina home prices
Typical home $274,874 · +1.1% in a year · property tax 0.55%
The typical home in Spartanburg County is worth $274,874, 10% less than the South Carolina typical home ($304,319). Values changed +1.1% in the past year and +28.6% over five years. Homeowners here pay a median 0.55% of their home's value in property tax each year ($1,501 on the typical home), versus 0.45% statewide.
Mortgage on the typical Spartanburg County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $54,975 | $219,899 | $1,479 | $0 | $263 | $1,742 | $74,600 |
| 10% down | $27,487 | $247,387 | $1,664 | $103 | $263 | $2,030 | $87,000 |
| 5% down | $13,744 | $261,130 | $1,757 | $109 | $263 | $2,128 | $91,200 |
| 3.5% down (FHA) | $9,621 | $269,895 | $1,816 | $122 | $263 | $2,200 | $94,300 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.55% 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 Spartanburg metro area.
South Carolina counties with similar prices
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Edgefield County | $277,600 | +1.5% | 0.43% |
| Lexington County | $271,722 | +1.6% | 0.49% |
| Anderson County | $287,369 | +1.2% | 0.45% |
| Oconee County | $287,580 | +2.3% | 0.38% |
| Kershaw County | $259,885 | +3.3% | 0.47% |
| Colleton County | $251,954 | +0.3% | 0.55% |
| Aiken County | $243,437 | +3.2% | 0.41% |
| Pickens County | $307,321 | +2.5% | 0.37% |
| Richland County | $241,261 | +0.8% | 0.67% |
| McCormick County | $316,274 | +4.2% | 0.56% |
Frequently asked questions
What is the average home price in Spartanburg County, SC?
The typical home value in Spartanburg County is $274,874 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Spartanburg County?
About $74,600 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Spartanburg County?
The median effective rate is 0.55% of home value a year (Census ACS 2024 5-year estimates).