Get & compare mortgage quotes anonymously Start in My Home

Safe Rate Local

South Carolina Mortgage Calculator

Estimate your true cost of homeownership in South Carolina with localized property taxes, insurance, and utility data.

← Back to South Carolina Hub
Est. Total Monthly Cost
$2,152
P&I Payment$1,741
Taxes & Ins$231
Utilities$179
Also calculate:FHA CalculatorVA Calculator

Next steps

Take this South Carolina scenario further — you stay anonymous.

Track this scenarioSave it to My Scenarios and watch the rate over timeFind lenders for this scenarioSee top-ranked local lenders and request quotes

Mortgage Details

$344,352
Local Median: $344,352
$68,870 (20%)
%

Used with your down payment to fetch a live, scenario-specific rate.

Local Area Costs

Monthly$2,152

Monthly Breakdown

Principal & Interest
$1,741
Property Taxes
$113
Homeowners Ins.
$118
Utilities
$179

Amortization Schedule

Loan balance and total interest paid over 30 years.

Total Interest
$351,362

Local Housing Facts for South Carolina

  • ·Median home value: $344,352 (adjusted for current market conditions)
  • ·Est. property taxes: $1,356/yr — pre-loaded from county assessment data
  • ·Homeowners insurance (HO-3): $1,416/yr — based on local per-$1K premium rates
  • ·Energy utilities: $2,153/yr — sourced from DOE LEAD survey data
  • ·Flood insurance: optional — toggled off by default, estimate based on FEMA risk profile

Frequently Asked Questions

How much are property taxes in South Carolina?

Based on the local median home value, estimated real estate property taxes in South Carolina are around $1,356 per year.

What is the average home price in South Carolina?

The median home value in South Carolina is currently estimated at $344,352.

How much does homeowners insurance cost in South Carolina?

For a median priced home, homeowners insurance in South Carolina averages around $1,416 annually.

What is the true total cost of owning a home in South Carolina?

True homeownership costs go beyond principal and interest. In South Carolina, a typical homeowner with a median-priced home of $344,352 can expect to pay roughly $1,356/yr in property taxes, $1,416/yr for homeowners insurance, and $2,153/yr in energy utilities. That adds approximately $410 per month in ongoing costs on top of your mortgage payment. Use our calculator above to model your exact all-in monthly cost.