Sumter, SC home prices
Typical home $200,155 · +0.9% in a year · income needed $54,300
The Sumter, SC metro area ranks 639 of 894 U.S. metros for home values (U.S. typical home: $366,157). Prices changed +0.9% in a year and +13.8% over five years. With 20% down at 7.11%, the typical home costs about $1,266 a month including 0.53% property tax (Sumter County rate).
Mortgage on the typical Sumter home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $40,031 | $160,124 | $1,077 | $0 | $189 | $1,266 | $54,300 |
| 10% down | $20,016 | $180,140 | $1,212 | $75 | $189 | $1,476 | $63,300 |
| 5% down | $10,008 | $190,147 | $1,279 | $79 | $189 | $1,547 | $66,300 |
| 3.5% down (FHA) | $7,005 | $196,530 | $1,322 | $89 | $189 | $1,600 | $68,600 |
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.
Counties in the Sumter area
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Sumter County, SC | $203,810 | +2.0% | 0.53% |
| Clarendon County, SC | $187,053 | -3.9% | 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 Sumter?
The typical home in the Sumter, SC metro area is worth $200,155 (Zillow, September 2026).
What salary do you need to buy a house in Sumter?
About $54,300 a year for the typical home with 20% down at 7.11%.