South Carolina Mortgage Payment & Property Tax Guide
Calculate your exact monthly housing expense in South Carolina. In South Carolina, the effective statewide property tax rate averages 0.56% and homeowners insurance averages 0.72% of home market value. Explore 25 pre-calculated loan scenarios below.
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See exact net salary, state income tax withholding, and FICA deductions for South Carolina residents.
Monthly Payment Benchmarks in South Carolina (30-Year Fixed at 6.50%%)
Estimated monthly PITI payments assuming 20% down payment and standard 28% DTI underwriting:
| Loan Amount | Est. Home Value | 30-Yr P&I | SC Property Tax | Total PITI/mo | Required Salary | Details |
|---|---|---|---|---|---|---|
| $150,000 | $187,500 | $948/mo | $88/mo | $1,148/mo | $49,000/yr | View schedule → |
| $250,000 | $312,500 | $1,580/mo | $146/mo | $1,914/mo | $82,000/yr | View schedule → |
| $350,000 | $437,500 | $2,212/mo | $204/mo | $2,679/mo | $115,000/yr | View schedule → |
| $450,000 | $562,500 | $2,844/mo | $263/mo | $3,444/mo | $148,000/yr | View schedule → |
| $550,000 | $687,500 | $3,476/mo | $321/mo | $4,210/mo | $180,000/yr | View schedule → |
| $750,000 | $937,500 | $4,741/mo | $438/mo | $5,741/mo | $246,000/yr | View schedule → |
| $1,000,000 | $1,250,000 | $6,321/mo | $583/mo | $7,654/mo | $328,000/yr | View schedule → |
Browse all 25 loan amounts in South Carolina
Select any loan principal to view detailed amortization, rate sensitivity, and DTI requirements:
Explore neighboring South states
Compare mortgage payment benchmarks and property taxes across neighboring South jurisdictions:
Closing Costs & Transfer Tax in South Carolina
Deed recording fee is $1.85 per $500 ($3.70 per $1,000); 4% owner-occupied assessment ratio reduces primary home property tax significantly.