Local costs · South Carolina

What a home costs across South Carolina

Property-tax rates, insurance, and closing costs vary widely by county. Below are the state-wide rules that apply everywhere in South Carolina, then every county with its own tax rate and insurance range.

Statewide facts

Home insurance average
About $1,571 per year for a standard HO-3 policy (NAIC 2022 state average). Individual counties run above or below this based on local hazard risk — see the table below.
Transfer & recording tax
South Carolina deed recording fee: 0.37% of price — seller customarily paysOn the $299,500 state median home, the buyer’s customary share is about $0; the seller customarily covers about $1,108.
Title insurance
South Carolina uses competitive (filed) rates. Rates are competitive rather than state-set, so we model title and settlement from a national declining-rate curve calibrated to published costs.
State income tax
South Carolina income tax is modeled at about 4.34% effective for a married household at $100,000 (4.84% filing single). These are modeled effective rates from Tax Foundation 2026 brackets.

All 46 counties in South Carolina

Effective property-tax rate (Census ACS) and a typical annual insurance range at the state median home value. Select a county for the full breakdown.

CountyProperty taxInsurance / yr
Abbeville County0.44%$770–$1,710typical $1,180
Aiken County0.41%$770–$1,710typical $1,180
Allendale County0.88%$1,090–$2,420typical $1,670
Anderson County0.45%$770–$1,710typical $1,180
Bamberg County0.83%$1,070–$2,390typical $1,650
Barnwell County0.73%$770–$1,710typical $1,180
Beaufort County0.48%$1,920–$4,280typical $2,950
Berkeley County0.45%$1,530–$3,410typical $2,350
Calhoun County0.41%$770–$1,710typical $1,180
Charleston County0.39%$1,550–$3,470typical $2,390
Cherokee County0.43%$770–$1,710typical $1,180
Chester County0.56%$770–$1,710typical $1,180
Chesterfield County0.42%$770–$1,710typical $1,180
Clarendon County0.56%$1,220–$2,710typical $1,870
Colleton County0.55%$1,410–$3,150typical $2,170
Darlington County0.41%$770–$1,710typical $1,180
Dillon County0.53%$1,190–$2,650typical $1,830
Dorchester County0.56%$1,510–$3,380typical $2,330
Edgefield County0.43%$770–$1,710typical $1,180
Fairfield County0.51%$770–$1,710typical $1,180
Florence County0.43%$890–$1,990typical $1,370
Georgetown County0.41%$1,860–$4,150typical $2,860
Greenville County0.51%$770–$1,710typical $1,180
Greenwood County0.53%$770–$1,710typical $1,180
Hampton County0.80%$1,250–$2,780typical $1,920
Horry County0.33%$1,520–$3,390typical $2,340
Jasper County0.57%$1,890–$4,210typical $2,900
Kershaw County0.47%$770–$1,710typical $1,180
Lancaster County0.50%$770–$1,710typical $1,180
Laurens County0.41%$770–$1,710typical $1,180
Lee County0.57%$810–$1,810typical $1,250
Lexington County0.49%$770–$1,710typical $1,180
Marion County0.47%$1,300–$2,900typical $2,000
Marlboro County0.60%$820–$1,830typical $1,260
McCormick County0.56%$770–$1,710typical $1,180
Newberry County0.67%$770–$1,710typical $1,180
Oconee County0.38%$770–$1,710typical $1,180
Orangeburg County0.65%$790–$1,750typical $1,210
Pickens County0.37%$770–$1,710typical $1,180
Richland County0.67%$770–$1,710typical $1,180
Saluda County0.51%$770–$1,710typical $1,180
Spartanburg County0.55%$770–$1,710typical $1,180
Sumter County0.53%$770–$1,710typical $1,180
Union County0.56%$770–$1,710typical $1,180
Williamsburg County0.66%$1,350–$3,020typical $2,080
York County0.48%$770–$1,710typical $1,180

* Property-tax rate is approximate because the county’s Census median is top-coded.

How these numbers are built

Every figure comes from public data or our own math: Census ACS property taxes, NAIC insurance averages scaled by FEMA risk, and researched transfer-tax and title schedules.

Estimates, not advice. See the methodology for sources, vintages, and the honest gaps.