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State: South Carolina

South Carolina Home Affordability Calculator 2026

Low Property Tax State— only 0.57% effective rate

How much house can you afford in South Carolina? With a 0.57% effective property tax (median home: $$1,340/yr), see max home prices using the 28% PITI rule and a 6.99% 30-year mortgage.

Max Home Price ($100K Income)

$375,816

20% down · 6.99% rate · 28% DTI

Monthly PITI

$2333

Prop Tax/mo

$179

Median Home

$235,000

Annual Tax

$1,340

Effective Rate

0.57%

Monthly Tax

$112/mo

South Carolina Max Home Price by Income (28% DTI Rule)

Income	Max Home Price	Monthly PITI	Down (20%)	Monthly PI	Prop Tax/mo
$60,000	$225,489	$1400	$45,098	$1199	$107
$80,000	$300,653	$1867	$60,131	$1599	$143
$100,000	$375,816	$2333	$75,163	$1998	$179
$120,000	$450,979	$2800	$90,196	$2398	$214
$150,000	$563,724	$3500	$112,745	$2997	$268
$200,000	$751,632	$4667	$150,326	$3996	$357

Assumes 20% down payment, 6.99% 30-year fixed mortgage rate, 0.5% homeowners insurance, 0.57% South Carolina property tax.

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Frequently Asked Questions — South Carolina

What is the property tax rate in South Carolina?: South Carolina has an effective property tax rate of 0.57%. On the median home value of $235,000, that works out to approximately $1,340 per year ($112/month) in property taxes.
How much house can I afford on $100K in South Carolina?: On a $100,000 annual income in South Carolina, the 28% front-end DTI rule allows a maximum monthly PITI of approximately $2333. With a 20% down payment, a 6.99% 30-year mortgage, and South Carolina's 0.57% property tax, you can afford approximately $375,816 — with monthly principal & interest of $1998 plus $179/month in property taxes.
How does South Carolina's property tax affect home affordability?: South Carolina's low property tax rate of 0.57% is a significant advantage for home buyers. Lower property taxes reduce your monthly PITI payment, allowing you to qualify for a higher home price at any given income level compared to high-tax states like New Jersey (2.49%) or Illinois (2.27%).
What's included in a mortgage PITI payment?: PITI stands for Principal, Interest, Taxes, and Insurance. Principal and interest are your mortgage payments that pay down the loan. Taxes refers to annual property taxes (divided into monthly escrow). Insurance includes homeowners insurance (typically 0.5% of home value/year) and any required mortgage insurance (PMI) if your down payment is less than 20%. Lenders generally want PITI to be no more than 28% of your gross monthly income.

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South Carolina Home Affordability Calculator 2026

Low Property Tax State— only 0.57% effective rate

How much house can you afford in South Carolina? With a 0.57% effective property tax (median home: $$1,340/yr), see max home prices using the 28% PITI rule and a 6.99% 30-year mortgage.

Max Home Price ($100K Income)

$375,816

20% down · 6.99% rate · 28% DTI

Monthly PITI

$2333

Prop Tax/mo

$179

Median Home

$235,000

Annual Tax

$1,340

Effective Rate

0.57%

Monthly Tax

$112/mo

South Carolina Max Home Price by Income (28% DTI Rule)

Income	Max Home Price	Monthly PITI	Down (20%)	Monthly PI	Prop Tax/mo
$60,000	$225,489	$1400	$45,098	$1199	$107
$80,000	$300,653	$1867	$60,131	$1599	$143
$100,000	$375,816	$2333	$75,163	$1998	$179
$120,000	$450,979	$2800	$90,196	$2398	$214
$150,000	$563,724	$3500	$112,745	$2997	$268
$200,000	$751,632	$4667	$150,326	$3996	$357

Assumes 20% down payment, 6.99% 30-year fixed mortgage rate, 0.5% homeowners insurance, 0.57% South Carolina property tax.

Frequently Asked Questions — South Carolina

What is the property tax rate in South Carolina?

South Carolina has an effective property tax rate of 0.57%. On the median home value of $235,000, that works out to approximately $1,340 per year ($112/month) in property taxes.

How much house can I afford on $100K in South Carolina?

On a $100,000 annual income in South Carolina, the 28% front-end DTI rule allows a maximum monthly PITI of approximately $2333. With a 20% down payment, a 6.99% 30-year mortgage, and South Carolina's 0.57% property tax, you can afford approximately $375,816 — with monthly principal & interest of $1998 plus $179/month in property taxes.

How does South Carolina's property tax affect home affordability?

South Carolina's low property tax rate of 0.57% is a significant advantage for home buyers. Lower property taxes reduce your monthly PITI payment, allowing you to qualify for a higher home price at any given income level compared to high-tax states like New Jersey (2.49%) or Illinois (2.27%).

What's included in a mortgage PITI payment?

PITI stands for Principal, Interest, Taxes, and Insurance. Principal and interest are your mortgage payments that pay down the loan. Taxes refers to annual property taxes (divided into monthly escrow). Insurance includes homeowners insurance (typically 0.5% of home value/year) and any required mortgage insurance (PMI) if your down payment is less than 20%. Lenders generally want PITI to be no more than 28% of your gross monthly income.