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Mortgage Calculator &
Closing Costs: Anderson, SC

Mortgage payment estimates, closing cost breakdowns, and homebuying data for Anderson, South Carolina.

Median Home Price
$195K
Population
28K
Avg Monthly Rent
$950
Property Tax Rate
0.57%
Anderson vs South Carolina Median
The median home price in Anderson is $195,000, which is 36% below the South Carolina state median of $305,000.

Mortgage Calculator — Anderson, SC

Pre-filled with Anderson median home price and South Carolina tax/insurance rates. Adjust for your property.

$
$39,000
%
%
years
SC avg
%
$
Monthly Payment (PITI)
$1,296
Principal + Interest + Tax + Insurance + PMI
Principal & Interest
$986
per month
Taxes & Insurance
$310
per month
Total Interest Paid
$199K
over 30 years
Total Loan Cost
$355K
all payments
Payment Breakdown
Loan Amount$156,000
Principal & Interest$986
Property Taxes$93
Homeowners Insurance$217
Total Monthly PITI$1,296

Closing Costs — Anderson, SC

Estimated closing costs based on South Carolina rates and fees applied to Anderson prices.

$
%
South Carolina: Avg closing costs 1.3% of price. Transfer tax: 0.37%.
Estimated Closing Costs
$9,033
4.6% of purchase price
Lender Fees
$1,829
origination, underwriting
Third-Party
$2,425
appraisal, title, inspection
Government Fees
$722
transfer taxes, recording
Prepaids + Escrow
$4,058
taxes, insurance, interest
Itemized Costs
Loan Origination (0.8%)$1,404
Underwriting Fee$350
Credit Report$75
Appraisal$550
Home Inspection$450
Title Search + Insurance$1,275
Recording Fee$150
Transfer Tax$722
Prepaid Taxes (3 mo)$278
Prepaid Insurance (12 mo)$2,600
Prepaid Interest (15 days)$469
Escrow Reserves$711
Total Closing Costs$9,033

Buying a Home in Anderson, South Carolina

The median home price in Anderson is $195,000, 36% below the South Carolina state median of $305,000. With a population of 28,198, Anderson is a smaller market where home prices tend to be more accessible than in many parts of South Carolina.

Property taxes in South Carolina average 0.57% annually. This low property tax rate is a significant advantage for Anderson buyers, keeping your monthly costs well below what you'd pay in higher-tax states. Homeowners insurance in South Carolina runs approximately $2,600 per year. This is within the normal range nationally.

Average rent in Anderson is $950/month. The price-to-rent ratio in Anderson is moderate, meaning the buy-vs-rent decision depends heavily on how long you plan to stay.

Anderson offers strong affordability. With median prices under $250K, first-time buyers have realistic paths to homeownership, especially combined with South Carolina's SC Housing Palmetto Home program.

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