Estimate your South Carolina property tax based on the state's 0.48% average effective rate. Enter your home value for an instant, free calculation.
Enter any tax exemption amount you qualify for in South Carolina
South Carolina has one of the lowest effective property tax rates in the country at 0.48%, ranking 45th nationally. The owner-occupant assessment ratio is much lower than for investment properties, making it especially tax-friendly for primary residents.
South Carolina assesses owner-occupied primary residences at just 4% of market value, compared to 6% for other residential and 10.5% for commercial. This tiered system dramatically lowers bills for homeowners versus investors or second-home owners.
| Home Value | Estimated Annual Tax | Monthly (Escrow) |
|---|---|---|
| $250,000 | $1,200 | $100/mo |
| $239,300 (median) | $1,149 | $95/mo |
| $600,000 | $2,880 | $240/mo |
The 4% owner-occupant assessment ratio is itself a massive effective exemption. Additionally, the Homestead Exemption Act exempts the first $50,000 of fair market value for homeowners 65+, disabled, or legally blind.
South Carolina property taxes are due January 15. A 3% penalty applies on January 16, increasing to 10% after January 31.
Charleston County and Beaufort County (Hilton Head area) have the highest home values. The 4% vs. 6% assessment ratio difference creates significant incentive for owner-occupancy over rental properties.