Charleston, SC home prices
Typical home $437,474 · -0.2% in a year · income needed $116,300
The Charleston, SC metro area ranks 113 of 894 U.S. metros for home values (U.S. typical home: $366,157). Prices changed -0.2% in a year and +26.4% over five years. With 20% down at 7.11%, the typical home costs about $2,715 a month including 0.39% property tax (Charleston County rate).
Mortgage on the typical Charleston home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $87,495 | $349,979 | $2,354 | $0 | $360 | $2,715 | $116,300 |
| 10% down | $43,747 | $393,727 | $2,649 | $164 | $360 | $3,173 | $136,000 |
| 5% down | $21,874 | $415,600 | $2,796 | $173 | $360 | $3,329 | $142,700 |
| 3.5% down (FHA) | $15,312 | $429,550 | $2,890 | $193 | $360 | $3,444 | $147,600 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.39% 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.
Counties in the Charleston area
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Charleston County, SC | $609,591 | +1.5% | 0.39% |
| Berkeley County, SC | $378,292 | -0.0% | 0.45% |
| Dorchester County, SC | $348,212 | -0.9% | 0.56% |
What can you afford in South Carolina on your salary? · South Carolina home prices · Salaries in South Carolina
Frequently asked questions
How much is a house in Charleston?
The typical home in the Charleston, SC metro area is worth $437,474 (Zillow, September 2026).
What salary do you need to buy a house in Charleston?
About $116,300 a year for the typical home with 20% down at 7.11%.