The calculator below is pre-filled with Charleston County's own property tax rate and insurance average (expand "More options" to see or edit them) — not just South Carolina's statewide figures.

Charleston County at a glance

Effective property tax rate: 0.42% of home value / year
Median home price: $623,131
Homeowners insurance (avg/year): $3,883
Conforming loan limit (1-unit, 2026): $832,750

County data last updated 2026-08-28. FIPS 45019. Full source list on /methodology.

Charleston County, SC mortgage payment calculator

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Related reading

Buying a Home in Winter: Why the Slowest Season Can Be the Best Deal

Fewer listings, fewer buyers, and sellers who have a reason to be on the market in December. Here is what a winter discount is actually worth on a $400,000 house — in monthly payment, in lifetime interest, and in the seller concessions a quiet market makes possible — and the three ways a winter purchase goes wrong.

Closing Costs in South Carolina: What You'll Actually Pay

South Carolina's transfer tax is only 0.37% and the seller usually pays it — but state law requires an attorney at every closing. Here's the real math on a $359,900 home.

Guides & templates

Buying a Home With Someone Else

The operational guide to buying property with a partner, friend, sibling, or parent — credit and DTI mechanics, title vesting, a clause-by-clause co-ownership agreement, and how the exit actually works.

The First-Time Buyer's Playbook: 12 Months to Closing Day

A month-by-month plan for the year before you buy: what to do in each phase, what never to touch, how to document every dollar, and how to survive closing day.

South Carolina at a glance

Median home price: $359,900
Typical closing costs: 2%–5% of price
Transfer tax: 0.37% of sale price, customarily paid by seller
Closing custom: attorney
Homestead exemption: South Carolina's Homestead Exemption exempts the first $50,000 of Fair Market Value of a legal residence from property tax, for homeowners age 65+ (or permanently disabled/legally blind), who have been an SC legal resident for at least one year. Only one spouse in a jointly-owned home need meet the age/disability requirement. Applies to the home and up to 5 contiguous acres. Not automatic — apply with the county auditor between January 1 and July 15 of the year after turning 65. This is separate from and stacks on top of SC's 4% owner-occupied assessment ratio (vs. 6% for non-owner-occupied property), which is the larger driver of SC's low effective property tax rates and is not age-restricted.

First-time buyer / down payment assistance programs

SC Housing Homebuyer Program
South Carolina State Housing Finance and Development Authority's primary fixed-rate first mortgage (FHA/VA/USDA/Conventional) for first-time homebuyers statewide, paired with optional down payment assistance (DPA) structured as a 0%-interest forgivable second mortgage, forgiven after 15 years of owner-occupancy; subject to county-specific income and home price limits.
SC Housing First-Generation Homebuyer Program
Provides qualifying first-generation homebuyers (whose parents/guardians have not owned a home, or lost a home to foreclosure) with $10,000 in down payment assistance and an enhanced, lower fixed interest rate, layered on top of the standard SC Housing Homebuyer Program.