Sumter County, South Carolina home prices
Typical home $203,810 · +2.0% in a year · property tax 0.53%
The typical home in Sumter County is worth $203,810, 33% less than the South Carolina typical home ($304,319). Values changed +2.0% in the past year and +17.8% over five years. Homeowners here pay a median 0.53% of their home's value in property tax each year ($1,086 on the typical home), versus 0.45% statewide.
Mortgage on the typical Sumter County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $40,762 | $163,048 | $1,097 | $0 | $192 | $1,289 | $55,300 |
| 10% down | $20,381 | $183,429 | $1,234 | $76 | $192 | $1,503 | $64,400 |
| 5% down | $10,191 | $193,620 | $1,302 | $81 | $192 | $1,576 | $67,500 |
| 3.5% down (FHA) | $7,133 | $200,119 | $1,346 | $90 | $192 | $1,629 | $69,800 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.53% 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 Sumter metro area.
South Carolina counties with similar prices
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Florence County | $204,585 | +4.0% | 0.42% |
| Saluda County | $207,445 | +2.9% | 0.51% |
| Calhoun County | $209,607 | +4.9% | 0.41% |
| Abbeville County | $209,757 | +4.6% | 0.44% |
| Chester County | $211,424 | -0.4% | 0.56% |
| Fairfield County | $194,708 | +3.8% | 0.51% |
| Laurens County | $214,803 | -1.3% | 0.41% |
| Cherokee County | $189,612 | -2.5% | 0.43% |
| Clarendon County | $187,053 | -3.9% | 0.56% |
| Chesterfield County | $185,129 | +4.6% | 0.42% |
Frequently asked questions
What is the average home price in Sumter County, SC?
The typical home value in Sumter County is $203,810 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Sumter County?
About $55,300 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Sumter County?
The median effective rate is 0.53% of home value a year (Census ACS 2024 5-year estimates).