How your housing costs change when you relocate. Based on 2026 data with 10% down, 6.5% rate, 30-year fixed.
Your housing costs will increase by approximately $79 per month ($948/year) when you move from Pennsylvania to South Carolina.
If you sell your median-priced Pennsylvania home ($280K) and buy in South Carolina ($305K):
Your Pennsylvania equity covers the 20% down payment on a median South Carolina home with $23K left over. That surplus can cover closing costs, moving expenses, or go into savings.
Over 10 years, this move costs you approximately $9K in housing costs alone.
Housing costs more in South Carolina. The median home is 8% higher than in Pennsylvania — a $25K jump. You may need to adjust your expectations on square footage or location, or come with a larger down payment to keep your monthly costs manageable.
Good news on taxes: South Carolina's 0.57% property tax rate is significantly lower than Pennsylvania's 1.36%. You'll save approximately $2,070 per year on property taxes, which adds up to $21K over a decade.
Insurance will cost you more in South Carolina — $2,600/year compared to $1,400/year in Pennsylvania. That's an extra $1,200 annually ($100/month). Shop multiple carriers to find the best rate.
When you buy in South Carolina, expect about $4K in closing costs (1.3% of purchase price). This includes a 0.37% transfer tax. Budget for this amount on top of your down payment.
South Carolina's SC Housing Palmetto Home offers Up to $8,000 forgivable. If you haven't owned a home in three years (or are buying in South Carolina for the first time), you may qualify. Check eligibility requirements and income limits on South Carolina's housing finance agency website.