CALCMONEY // MORTGAGE // SC
Calculate your monthly mortgage payment using South Carolina-specific property tax rates, current average interest rates, and local median home prices.
Open Full Calculator$310,000
6.9%
0.57%
0%–6.5%
How today's 6.9% rate compares to recent years
| Period | 30-Yr Rate | vs. Today |
|---|---|---|
| 2026 (current) | 6.9% | — |
| 2024 avg | 7.32% | -0.42% |
| 2023 avg | 7.75% | -0.85% |
| 2022 peak | 7.58% | -0.68% |
| 2021 avg | 3.50% | +3.40% |
| 2020 avg | 3.30% | +3.60% |
Rate estimates based on Freddie Mac Primary Mortgage Market Survey national averages adjusted for South Carolina market conditions. Actual rates vary by lender and borrower profile.
| Principal & Interest | $1,633 |
| Property Tax | $147 |
| Homeowners Insurance (est.) | $103 |
| Total Monthly Payment (PITI) | $1,884 |
$62,000
$339,998
$80,739/yr
The median home price in South Carolina is $310,000, 26% below the $420,000 national median. With a median household income of $59,300, the price-to-income ratio is 5.2x.
Property taxes in South Carolina average 0.57% of assessed value, below the 1.1% national average. On the median home, that's $1,767 a year, or $147 added to the monthly payment.
South Carolina levies a state income tax of 0%–6.5% on top of the $1,884/month this mortgage runs. Model your real after-tax take-home before deciding how much payment you can carry.
Day-to-day expenses statewide track at 93 against the national 100 baseline, below average once you look past the mortgage payment itself.
South Carolina's median home price runs 5% higher than South Dakota: $295,000 there versus $310,000 here.
Once you have your payment estimate, comparing lenders is the most important step. A 0.25% rate difference on a $248,000 loan saves $11,160 in interest over 30 years.
Compare Top South Carolina Mortgage LendersSouth Dakota
$295,000 median
WYWyoming
$325,000 median
NMNew Mexico
$290,000 median
TNTennessee
$330,000 median