M
MortgageMath
Free mortgage calculators for every state

Mortgage Calculator &
Closing Costs: Beaufort, SC

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

Median Home Price
$385K
Population
14K
Avg Monthly Rent
$1,480
Property Tax Rate
0.57%
Beaufort vs South Carolina Median
The median home price in Beaufort is $385,000, which is 26% above the South Carolina state median of $305,000.

Mortgage Calculator — Beaufort, SC

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

$
$77,000
%
%
years
SC avg
%
$
Monthly Payment (PITI)
$2,347
Principal + Interest + Tax + Insurance + PMI
Share:TwitterFacebook
Principal & Interest
$1,947
per month
Taxes & Insurance
$400
per month
Total Interest Paid
$393K
over 30 years
Total Loan Cost
$701K
all payments
Payment Breakdown
Loan Amount$308,000
Principal & Interest$1,947
Property Taxes$183
Homeowners Insurance$217
Total Monthly PITI$2,347

Closing Costs — Beaufort, SC

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

$
%
South Carolina: Avg closing costs 1.3% of price. Transfer tax: 0.37%.
Estimated Closing Costs
$13,053
3.4% of purchase price
Share:TwitterFacebook
Lender Fees
$3,197
origination, underwriting
Third-Party
$3,375
appraisal, title, inspection
Government Fees
$1,425
transfer taxes, recording
Prepaids + Escrow
$5,056
taxes, insurance, interest
Itemized Costs
Loan Origination (0.8%)$2,772
Underwriting Fee$350
Credit Report$75
Appraisal$550
Home Inspection$450
Title Search + Insurance$2,225
Recording Fee$150
Transfer Tax$1,425
Prepaid Taxes (3 mo)$549
Prepaid Insurance (12 mo)$2,600
Prepaid Interest (15 days)$926
Escrow Reserves$982
Total Closing Costs$13,053

Buying a Home in Beaufort, South Carolina

The median home price in Beaufort is $385,000, 26% above the South Carolina state median of $305,000. With a population of 14,006, Beaufort is a smaller market where home prices reflect strong demand and local economic factors.

Property taxes in South Carolina average 0.57% annually. This low property tax rate is a significant advantage for Beaufort 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 Beaufort is $1,480/month. With a price-to-rent ratio above 20, renting could be more economical in the short term — use our Rent vs Buy calculator to model your specific timeline.

Beaufort presents moderate affordability. The $385K median puts homeownership within reach for median-income households, though down payment savings and closing costs require planning.

Run a Rent vs Buy analysis
Compare total costs of renting vs buying in Beaufort.
Rent vs Buy Calculator →
Explore all of South Carolina: South Carolina Mortgage Calculator & Closing Costs →

More Cities in South Carolina

Related Guides

The First-Time Buyer Playbook
Free weekly guide: mortgage tips, market updates, and money-saving strategies. No spam.