The typical owner-occupied home in Beaufort County is worth about $455,600, 76% above the South Carolina median of $259,000 and 37% above the national median of $332,700. Owners pay a median $2,174 a year in property taxes, about 0.48% of their home's value, close to the South Carolina rate of 0.48%. The median household earns $86,573 a year, so the median home costs 5.3 times the median income (3.7 times for South Carolina). 76% of occupied homes here are lived in by their owners, and 59% of those owners still have a mortgage.
Beaufort County at a glance
| Beaufort County | South Carolina | U.S. | |
|---|---|---|---|
| Median home value | $455,600 | $259,000 | $332,700 |
| Median property tax paid per year | $2,174 | $1,251 | $3,119 |
| Property tax as a share of value | 0.48% | 0.48% | 0.94% |
| Median household income | $86,573 | $69,324 | $80,734 |
| Homes lived in by their owners | 76% | 72% | 65% |
| Owner homes with a mortgage | 59% | 57% | 61% |
| Median monthly costs, owners with a mortgage | $2,030 | $1,529 | $1,963 |
| Those costs as a share of the owners' income | 22.5% | 19.7% | 21.0% |
| Median rent | $1,653 | $1,180 | $1,413 |
| Rent as a share of renters' income | 31.8% | 31.1% | 30.6% |
| Median year homes were built | 1999 | 1992 | 1980 |
| Vacant homes | 20.2% | 13.3% | 10.1% |
| Population | 195,289 | 5,296,225 | 334,922,499 |
What a typical home costs per month in Beaufort County
At this week's average 30-year rate of 7.11%, buying the median Beaufort County home of $455,600 with 20% down costs about $2,824 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $3,583, 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 $121,026 for the 20%-down payment. That payment is 39% of the median Beaufort County household income of $86,573; at that income and 20% down, the 28% guideline points to a home of about $326,000.
The median rent here is $1,653 a month, so owning the median home costs about $1,171 a month more than renting, before you count the equity you build and any tax benefits.
| Down payment | $91,120 |
|---|---|
| Loan amount | $364,480 |
| Principal and interest | $2,452 |
| Property taxes (0.48% a year) | $182 |
| Homeowners insurance (our estimate, 0.5% a year) | $190 |
| PMI | $0 |
| Total per month | $2,824 |
Change the numbers in the calculator
| Down payment | $15,946 |
|---|---|
| Loan amount | $447,348 |
| Principal and interest | $3,009 |
| Property taxes (0.48% a year) | $182 |
| Homeowners insurance (our estimate, 0.5% a year) | $190 |
| FHA mortgage insurance | $202 |
| Total per month | $3,583 |
Change the numbers in the calculator
Questions about home buying in Beaufort County
What is the median home value in Beaufort County?
About $455,600 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
How much are property taxes in Beaufort County?
Homeowners pay a median $2,174 a year, which is about 0.48% 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 Beaufort County?
For the median home with 20% down at 7.11%, the payment is about $2,824 a month. Keeping that under 28% of gross income takes about $121,026 a year.
More about Beaufort County
- Mortgage Refinance in Beaufort County
- Debt Relief in Beaufort County
- Home Equity Loans in Beaufort County
- 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