What is the average home price in South Carolina?
Around $290,000 in 2026.
South Carolina Mortgage Calculator 2026
South Carolina has affordable home prices averaging $290,000 in 2026. Use this calculator to estimate your monthly mortgage payment including taxes and insurance.
Current Rates (Freddie Mac PMMS)
30-Year Fixed: 15-Year Fixed: Rates verified Oct 21, 2026
Adjust values — results update instantly.
State: South Carolina (median-style home price, tax, and insurance pre-filled — edit as needed)
Illustrative property tax and insurance — county millage and insurance vary. Not a loan offer.
Dollar amount. PMI applies when under 20% of home price.
PMI is estimated at 0.5% of the loan amount per year when your down payment is below 20% of the purchase price.
Total monthly payment
$1,763
Principal & interest
$1,505Property tax
$142Home insurance
$117Loan amount$232,000
Down payment$58,000 (20.0%)
Total interest (life)$309,709
Total cost$541,709
Frequently Asked Questions
Does SC have a transfer tax?
Yes, 0.4% of the sale price.
What is SC state income tax?
Graduated rates from 0% to 6.4%.
How much do I need to earn to afford a home in SC?
Approximately $55,000–$60,000 annually for the average SC home.
Related calculators
Educational estimates only. Not a lender pre-approval.