TrueAffordHome Affordability by State
What can you afford in South Carolina?
A baseline estimate for a household earning $96,000 a year gross, with typical debts and expenses, a $40,000 down payment, and a 740-759 credit score — using South Carolina's own property tax and insurance data rather than a national average. Every assumption is editable in the full calculator below.
South Carolina's effective property tax rate is around 0.50% of home value per year — the 4th lowest in the country. Average homeowner's insurance runs near $2,400/year on a $300,000 home — the 18th highest.
Comfortable
$316,973
Stretch
$367,408
Risky ceiling
$397,669
This baseline's own budget can sustain at least as much as a lender's debt-to-income ceiling allows in South Carolina — the DTI ratio, not the household budget, is what limits the number here.
Open the full calculator with these numbersOther states
Browse all states · Browse by income · Full mortgage calculator · Methodology