South Carolina Mortgage Calculator
Estimate the monthly PITI payment on a South Carolina home. Preseeded with the state’s 0.55% effective property-tax rate, $1,800 average annual insurance, and $290,000 median home price.
Loan Parameters
$
$
Percentage
20.0 %
Loan Term
Advanced Options
$
Monthly Payment (PITI)
$1,846
- Principal & Interest
- $1,466
- Property Taxes
- $133
- Home Insurance
- $150
- PMI
- $97
Total Interest
$295,903
Total Cost
$629,753
Payoff Year
2056
South Carolina Property Tax, Insurance & Home Prices
- Effective property-tax rate
- 0.55%
- Avg annual insurance
- $1,800
- Median home price
- $290,000
Statewide averages, last reviewed May 2026. Actual rates and premiums vary significantly by county, city, and parcel — see the notes below.
Notable South Carolina Rules
South Carolina has a 4% assessment ratio for owner-occupied primary residences vs 6% for non-residential — a significant tax break for primary residents. The state also has a $50,000 homestead exemption for homeowners 65+, totally disabled, or legally blind.
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Frequently Asked Questions
- South Carolina's statewide effective property-tax rate is approximately 0.55% of home value (last reviewed May 2026). Actual county- and city-level rates vary; check your specific parcel before budgeting.