TrueAffordHome Affordability by State
What can you afford in South Carolina?
A baseline estimate for a household earning $90,000 a year gross, with typical debts and expenses, a $30,000 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 0.49% of home value per year — the 5th lowest in the country. Average homeowner's insurance runs near $2,772/year on a $300,000 home — the 16th highest.
Comfortable
$256,105
Stretch
$319,098
Risky ceiling
$357,984
A lender would likely approve up to $357,984 on this baseline in South Carolina — but this household's own budget, once real expenses are counted, can only sustain $319,098. That $38,886 gap is exactly the kind of overreach this calculator exists to flag before it becomes a monthly deficit.
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