The typical owner-occupied home in Belton is worth about $133,500, 48% below the South Carolina median of $259,000 and 60% below the national median of $332,700. Owners pay a median $918 a year in property taxes, about 0.69% of their home's value, higher than the South Carolina rate of 0.48%. The median household earns $49,107 a year, so the median home costs 2.7 times the median income (3.7 times for South Carolina). 56% of occupied homes here are lived in by their owners, and 45% of those owners still have a mortgage.
Belton at a glance
| Belton | South Carolina | U.S. | |
|---|---|---|---|
| Median home value | $133,500 | $259,000 | $332,700 |
| Median property tax paid per year | $918 | $1,251 | $3,119 |
| Property tax as a share of value | 0.69% | 0.48% | 0.94% |
| Median household income | $49,107 | $69,324 | $80,734 |
| Homes lived in by their owners | 56% | 72% | 65% |
| Owner homes with a mortgage | 45% | 57% | 61% |
| Median monthly costs, owners with a mortgage | $1,215 | $1,529 | $1,963 |
| Those costs as a share of the owners' income | 18.6% | 19.7% | 21.0% |
| Median rent | $972 | $1,180 | $1,413 |
| Rent as a share of renters' income | 23.1% | 31.1% | 30.6% |
| Median year homes were built | 1957 | 1992 | 1980 |
| Vacant homes | 5.7% | 13.3% | 10.1% |
| Population | 4,458 | 5,296,225 | 334,922,499 |
What a typical home costs per month in Belton
At this week's average 30-year rate of 7.11%, buying the median Belton home of $133,500 with 20% down costs about $851 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $1,073, because the loan is bigger and FHA adds mortgage insurance.
Lenders usually want housing costs under about 28% of gross income, which means an income of roughly $36,465 for the 20%-down payment. That payment is 21% of the median Belton household income of $49,107; at that income and 20% down, the 28% guideline points to a home of about $180,000.
The median rent here is $972 a month, a little more than the monthly cost of owning the median home with 20% down.
| Down payment | $26,700 |
|---|---|
| Loan amount | $106,800 |
| Principal and interest | $718 |
| Property taxes (0.69% a year) | $77 |
| Homeowners insurance (our estimate, 0.5% a year) | $56 |
| PMI | $0 |
| Total per month | $851 |
Change the numbers in the calculator
| Down payment | $4,672 |
|---|---|
| Loan amount | $131,082 |
| Principal and interest | $882 |
| Property taxes (0.69% a year) | $77 |
| Homeowners insurance (our estimate, 0.5% a year) | $56 |
| FHA mortgage insurance | $59 |
| Total per month | $1,073 |
Change the numbers in the calculator
Questions about home buying in Belton
What is the median home value in Belton?
About $133,500 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
How much are property taxes in Belton?
Homeowners pay a median $918 a year, which is about 0.69% of the median home value. Your bill depends on your home's assessed value and local rates.
What income do you need to buy a home in Belton?
For the median home with 20% down at 7.11%, the payment is about $851 a month. Keeping that under 28% of gross income takes about $36,465 a year.
More about Belton
- Mortgage Refinance in Belton
- Debt Relief in Belton
- Home Equity Loans in Belton
- Guides and quotes for mortgage refinance on our sister site, MortgageRefinance.com
Sources: U.S. Census Bureau, American Community Survey 2020–2024 5-year estimates; Freddie Mac Primary Mortgage Market Survey, week of November 12, 2026. Estimates for small places have wide margins of error. About our data