The typical owner-occupied home in Carlisle is worth about $66,300, 74% below the South Carolina median of $259,000 and 80% below the national median of $332,700. The median household earns $61,029 a year, so the median home costs 1.1 times the median income (3.7 times for South Carolina). 74% of occupied homes here are lived in by their owners, and 11% of those owners still have a mortgage.
Carlisle at a glance
| Carlisle | South Carolina | U.S. | |
|---|---|---|---|
| Median home value | $66,300 | $259,000 | $332,700 |
| Median property tax paid per year | – | $1,251 | $3,119 |
| Median household income | $61,029 | $69,324 | $80,734 |
| Homes lived in by their owners | 74% | 72% | 65% |
| Owner homes with a mortgage | 11% | 57% | 61% |
| Median monthly costs, owners with a mortgage | $1,425 | $1,529 | $1,963 |
| Those costs as a share of the owners' income | 28.8% | 19.7% | 21.0% |
| Median rent | $1,000 | $1,180 | $1,413 |
| Rent as a share of renters' income | 41.9% | 31.1% | 30.6% |
| Median year homes were built | 1977 | 1992 | 1980 |
| Vacant homes | 15.5% | 13.3% | 10.1% |
| Population | 494 | 5,296,225 | 334,922,499 |
What a typical home costs per month in Carlisle
At this week's average 30-year rate of 7.11%, buying the median Carlisle home of $66,300 with 20% down costs about $445 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $556, 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 $19,080 for the 20%-down payment. That payment is 9% of the median Carlisle household income of $61,029; at that income and 20% down, the 28% guideline points to a home of about $212,000.
The median rent here is $1,000 a month, a little more than the monthly cost of owning the median home with 20% down.
| Down payment | $13,260 |
|---|---|
| Loan amount | $53,040 |
| Principal and interest | $357 |
| Property taxes (1.10% a year) | $61 |
| Homeowners insurance (our estimate, 0.5% a year) | $28 |
| PMI | $0 |
| Total per month | $445 |
Change the numbers in the calculator
| Down payment | $2,320 |
|---|---|
| Loan amount | $65,099 |
| Principal and interest | $438 |
| Property taxes (1.10% a year) | $61 |
| Homeowners insurance (our estimate, 0.5% a year) | $28 |
| FHA mortgage insurance | $29 |
| Total per month | $556 |
Change the numbers in the calculator
Questions about home buying in Carlisle
What is the median home value in Carlisle?
About $66,300 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
What income do you need to buy a home in Carlisle?
For the median home with 20% down at 7.11%, the payment is about $445 a month. Keeping that under 28% of gross income takes about $19,080 a year.
More about Carlisle
- Mortgage Refinance in Carlisle
- Debt Relief in Carlisle
- Home Equity Loans in Carlisle
- 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