Mortgage Calculator, South Carolina

Q: Does South Carolina have a state income tax?

Yes. South Carolina levies a progressive state income tax on earned income.

Q: What is the South Carolina income tax rate for 2026?

South Carolina uses a progressive tax system with 3 brackets. Rates range from 0.00% to 6.40%, depending on your taxable income.

Q: What is the standard deduction in South Carolina?

The standard deduction in South Carolina is $14,600.00 for single filers in 2026.

Q: How is South Carolina income tax calculated?

South Carolina uses a progressive (marginal) tax system. Your income is divided into brackets, and each portion is taxed at the corresponding rate. Only the income within each bracket is taxed at that bracket's rate, not your entire income.

Q: What are the South Carolina income tax brackets for 2026?

The South Carolina tax brackets for single filers are: $0.00–$3,460.00: 0.00%; $3,460.00–$17,330.00: 3.00%; over $17,330.00: 6.40%.

Calculate your monthly mortgage payment in South Carolina. Includes principal, interest, property taxes, and insurance.

Updated July 2026

Mortgage Details, South Carolina

Home Price

$

Down Payment

$

0.20% down · LTV 0.80%

Loan Term

Interest Rate

% / year

Annual Property Tax Rate

% of home value

Monthly Home Insurance

$

Payment Breakdown

Total Monthly Payment$2,618.84

Monthly Breakdown

Principal & Interest

$2,102.17

Property Tax

$366.67

Home Insurance

$150.00

Loan Summary

Loan Amount

$320,000.00

Total Interest

$436,781.20

Total Cost

$836,781.20

Amortization Schedule

Year	Principal	Interest	Balance
1	$3,329.67	$21,896.37	$316,670.33
5	$4,380.16	$20,845.88	$300,815.35
10	$6,170.97	$19,055.07	$273,787.17
15	$8,693.92	$16,532.12	$235,708.72
20	$12,248.37	$12,977.67	$182,062.10
25	$17,256.03	$7,970.01	$106,482.48
30	$24,311.03	$915.01	$2.61

Progressive

State Income Tax

30 or 15 yr

Mortgage Term

< 20% down

PMI Threshold

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Mortgage Calculator FAQ, South Carolina

Cities in South Carolina

Charleston Columbia North Charleston

Disclaimer: For informational purposes only. Not tax, legal, or financial advice.