Columbia, SC home prices
Typical home $252,979 · +1.6% in a year · income needed $69,900
The Columbia, SC metro area ranks 445 of 894 U.S. metros for home values (U.S. typical home: $366,157). Prices changed +1.6% in a year and +27.0% over five years. With 20% down at 7.11%, the typical home costs about $1,630 a month including 0.67% property tax (Richland County rate).
Mortgage on the typical Columbia home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $50,596 | $202,383 | $1,361 | $0 | $269 | $1,630 | $69,900 |
| 10% down | $25,298 | $227,681 | $1,532 | $95 | $269 | $1,895 | $81,200 |
| 5% down | $12,649 | $240,330 | $1,617 | $100 | $269 | $1,985 | $85,100 |
| 3.5% down (FHA) | $8,854 | $248,397 | $1,671 | $112 | $269 | $2,051 | $87,900 |
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.
Counties in the Columbia area
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Richland County, SC | $241,261 | +0.8% | 0.67% |
| Lexington County, SC | $271,722 | +1.6% | 0.49% |
| Kershaw County, SC | $259,885 | +3.3% | 0.47% |
| Fairfield County, SC | $194,708 | +3.8% | 0.51% |
| Saluda County, SC | $207,445 | +2.9% | 0.51% |
| Calhoun County, SC | $209,607 | +4.9% | 0.41% |
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 Columbia?
The typical home in the Columbia, SC metro area is worth $252,979 (Zillow, September 2026).
What salary do you need to buy a house in Columbia?
About $69,900 a year for the typical home with 20% down at 7.11%.