Seneca, SC home prices
Typical home $287,579 · +2.2% in a year · income needed $76,400
The Seneca, SC metro area ranks 348 of 894 U.S. metros for home values (U.S. typical home: $366,157). Prices changed +2.2% in a year and +28.0% over five years. With 20% down at 7.11%, the typical home costs about $1,782 a month including 0.38% property tax (Oconee County rate).
Mortgage on the typical Seneca home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $57,516 | $230,063 | $1,548 | $0 | $235 | $1,782 | $76,400 |
| 10% down | $28,758 | $258,821 | $1,741 | $108 | $235 | $2,084 | $89,300 |
| 5% down | $14,379 | $273,200 | $1,838 | $114 | $235 | $2,186 | $93,700 |
| 3.5% down (FHA) | $10,065 | $282,370 | $1,900 | $127 | $235 | $2,261 | $96,900 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.38% 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 Seneca area
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Oconee County, SC | $287,580 | +2.3% | 0.38% |
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 Seneca?
The typical home in the Seneca, SC metro area is worth $287,579 (Zillow, September 2026).
What salary do you need to buy a house in Seneca?
About $76,400 a year for the typical home with 20% down at 7.11%.