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$307,777
6.76%
0.49%
0%–6%
How today's 6.76% rate compares to recent years
| Period | 30-Yr Rate | vs. Today |
|---|---|---|
| 2026 (current) | 6.76% | — |
| 2024 avg | 7.18% | -0.42% |
| 2023 avg | 7.61% | -0.85% |
| 2022 peak | 7.44% | -0.68% |
| 2021 avg | 3.36% | +3.40% |
| 2020 avg | 3.16% | +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 | $1,599 |
| Property Tax | $126 |
| Homeowners Insurance (est.) | $103 |
| Total Monthly Payment (PITI) | $1,827 |
$61,555
$329,284
$78,295/yr
The median home price in South Carolina is $307,777, 27% below the $420,000 national median. With a median household income of $72,350, the price-to-income ratio is 4.3x.
Property taxes in South Carolina average 0.49% of assessed value, below the 1.1% national average. On the median home, that's $1,508 a year, or $126 added to the monthly payment.
South Carolina levies a state income tax of 0%–6% on top of the $1,827/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 2% higher than Texas: $301,806 there versus $307,777 here.
Once you have your payment estimate, comparing lenders is the most important step. A 0.25% rate difference on a $246,222 loan saves $11,080 in interest over 30 years.
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