The typical owner-occupied home in Clemson is worth about $398,400, 54% above the South Carolina median of $259,000 and 20% above the national median of $332,700. Owners pay a median $1,912 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 $49,520 a year, so the median home costs 8.0 times the median income (3.7 times for South Carolina). 34% of occupied homes here are lived in by their owners, and 56% of those owners still have a mortgage.
Clemson at a glance
| Clemson | South Carolina | U.S. | |
|---|---|---|---|
| Median home value | $398,400 | $259,000 | $332,700 |
| Median property tax paid per year | $1,912 | $1,251 | $3,119 |
| Property tax as a share of value | 0.48% | 0.48% | 0.94% |
| Median household income | $49,520 | $69,324 | $80,734 |
| Homes lived in by their owners | 34% | 72% | 65% |
| Owner homes with a mortgage | 56% | 57% | 61% |
| Median monthly costs, owners with a mortgage | $2,017 | $1,529 | $1,963 |
| Those costs as a share of the owners' income | 18.8% | 19.7% | 21.0% |
| Median rent | $1,007 | $1,180 | $1,413 |
| Rent as a share of renters' income | 39.4% | 31.1% | 30.6% |
| Median year homes were built | 1989 | 1992 | 1980 |
| Vacant homes | 10.0% | 13.3% | 10.1% |
| Population | 18,072 | 5,296,225 | 334,922,499 |
What a typical home costs per month in Clemson
At this week's average 30-year rate of 7.11%, buying the median Clemson home of $398,400 with 20% down costs about $2,469 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $3,133, 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 $105,832 for the 20%-down payment. That payment is 60% of the median Clemson household income of $49,520; at that income and 20% down, the 28% guideline points to a home of about $186,000.
The median rent here is $1,007 a month, so owning the median home costs about $1,462 a month more than renting, before you count the equity you build and any tax benefits.
| Down payment | $79,680 |
|---|---|
| Loan amount | $318,720 |
| Principal and interest | $2,144 |
| Property taxes (0.48% a year) | $159 |
| Homeowners insurance (our estimate, 0.5% a year) | $166 |
| PMI | $0 |
| Total per month | $2,469 |
Change the numbers in the calculator
| Down payment | $13,944 |
|---|---|
| Loan amount | $391,184 |
| Principal and interest | $2,632 |
| Property taxes (0.48% a year) | $159 |
| Homeowners insurance (our estimate, 0.5% a year) | $166 |
| FHA mortgage insurance | $176 |
| Total per month | $3,133 |
Change the numbers in the calculator
Questions about home buying in Clemson
What is the median home value in Clemson?
About $398,400 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
How much are property taxes in Clemson?
Homeowners pay a median $1,912 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 Clemson?
For the median home with 20% down at 7.11%, the payment is about $2,469 a month. Keeping that under 28% of gross income takes about $105,832 a year.
More about Clemson
- Mortgage Refinance in Clemson
- Debt Relief in Clemson
- Home Equity Loans in Clemson
- 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