South Carolina home prices and mortgage costs
Typical home value $304,319 · +0.9% in a year · property tax 0.45%
South Carolina ranks 33rd most expensive of 51 states and D.C. Home values changed +0.9% over the past year and +23.7% over five years. Buying the typical home with 20% down costs about $1,903 a month at 7.11%, which needs a household income of about $81,600.
Cost of the typical South Carolina home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $60,864 | $243,455 | $1,638 | $0 | $265 | $1,903 | $81,600 |
| 10% down | $30,432 | $273,887 | $1,842 | $114 | $265 | $2,222 | $95,200 |
| 5% down | $15,216 | $289,103 | $1,945 | $120 | $265 | $2,331 | $99,900 |
| 3.5% down (FHA) | $10,651 | $298,807 | $2,010 | $135 | $265 | $2,410 | $103,300 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.45% 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.
Check a specific budget: how much house you can afford in South Carolina by salary · payment on a $300K home in South Carolina
Home prices by county in South Carolina
| County | Typical home | 1-yr change | Tax rate | Payment / month | Income needed |
|---|---|---|---|---|---|
| Charleston County | $609,591 | +1.5% | 0.39% | $3,783 | $162,100 |
| Beaufort County | $552,182 | +1.6% | 0.48% | $3,467 | $148,600 |
| Jasper County | $403,389 | -3.9% | 0.57% | $2,564 | $109,900 |
| Georgetown County | $387,236 | +0.1% | 0.41% | $2,410 | $103,300 |
| York County | $383,056 | -1.5% | 0.48% | $2,407 | $103,100 |
| Lancaster County | $378,849 | -2.0% | 0.5% | $2,387 | $102,300 |
| Berkeley County | $378,292 | -0.0% | 0.45% | $2,367 | $101,500 |
| Dorchester County | $348,212 | -0.9% | 0.56% | $2,211 | $94,800 |
| Greenville County | $336,744 | +1.6% | 0.51% | $2,123 | $91,000 |
| Horry County | $319,809 | +0.4% | 0.33% | $1,968 | $84,400 |
| McCormick County | $316,274 | +4.2% | 0.56% | $2,008 | $86,100 |
| Pickens County | $307,321 | +2.5% | 0.37% | $1,903 | $81,600 |
| Oconee County | $287,580 | +2.3% | 0.38% | $1,782 | $76,400 |
| Anderson County | $287,369 | +1.2% | 0.45% | $1,798 | $77,100 |
| Edgefield County | $277,600 | +1.5% | 0.43% | $1,733 | $74,300 |
| Spartanburg County | $274,874 | +1.1% | 0.55% | $1,742 | $74,600 |
| Lexington County | $271,722 | +1.6% | 0.49% | $1,709 | $73,300 |
| Kershaw County | $259,885 | +3.3% | 0.47% | $1,630 | $69,800 |
| Colleton County | $251,954 | +0.3% | 0.55% | $1,598 | $68,500 |
| Aiken County | $243,437 | +3.2% | 0.41% | $1,515 | $64,900 |
| Richland County | $241,261 | +0.8% | 0.67% | $1,555 | $66,600 |
| Newberry County | $222,525 | +6.2% | 0.67% | $1,432 | $61,400 |
| Laurens County | $214,803 | -1.3% | 0.41% | $1,337 | $57,300 |
| Chester County | $211,424 | -0.4% | 0.56% | $1,343 | $57,500 |
| Abbeville County | $209,757 | +4.6% | 0.44% | $1,310 | $56,200 |
| Calhoun County | $209,607 | +4.9% | 0.41% | $1,304 | $55,900 |
| Saluda County | $207,445 | +2.9% | 0.51% | $1,308 | $56,100 |
| Florence County | $204,585 | +4.0% | 0.42% | $1,276 | $54,700 |
| Sumter County | $203,810 | +2.0% | 0.53% | $1,289 | $55,300 |
| Fairfield County | $194,708 | +3.8% | 0.51% | $1,228 | $52,600 |
| Cherokee County | $189,612 | -2.5% | 0.43% | $1,184 | $50,700 |
| Clarendon County | $187,053 | -3.9% | 0.56% | $1,187 | $50,900 |
| Chesterfield County | $185,129 | +4.6% | 0.42% | $1,154 | $49,400 |
| Greenwood County | $174,626 | +0.2% | 0.53% | $1,105 | $47,300 |
| Barnwell County | $172,893 | +0.3% | 0.73% | $1,122 | $48,100 |
| Darlington County | $170,906 | +10.4% | 0.41% | $1,064 | $45,600 |
| Orangeburg County | $162,517 | +4.7% | 0.65% | $1,043 | $44,700 |
| Hampton County | $159,212 | -0.4% | 0.8% | $1,043 | $44,700 |
| Dillon County | $156,722 | +9.6% | 0.53% | $991 | $42,500 |
| Marion County | $144,024 | -2.0% | 0.47% | $903 | $38,700 |
| Lee County | $131,864 | -7.0% | 0.57% | $839 | $35,900 |
| Union County | $131,794 | +6.7% | 0.56% | $837 | $35,900 |
| Williamsburg County | $128,370 | -1.4% | 0.66% | $825 | $35,400 |
| Bamberg County | $127,650 | -6.2% | 0.83% | $839 | $36,000 |
| Marlboro County | $123,044 | -2.0% | 0.6% | $786 | $33,700 |
| Allendale County | $75,324 | -3.6% | 0.88% | $498 | $21,300 |
Metro areas in South Carolina
Frequently asked questions
What is the average home price in South Carolina?
The typical home in South Carolina is worth $304,319 according to the Zillow Home Value Index for September 2026.
How much income do you need to buy a house in South Carolina?
About $81,600 a year to buy the typical $304,319 home with 20% down at 7.11%, keeping housing under 28% of income.
What is the property tax rate in South Carolina?
The typical effective rate is 0.45% of the home's value a year (median taxes paid divided by median home value, Census ACS 2025).