Columbia, South Carolina Mortgage Calculator - Monthly Payment with Taxes, PMI & Insurance
Columbia inherits the Richland County property-tax planning benchmark (~0.70%) for South Carolina's capital market. On a $400,000 Columbia example with 20% down at 6.5% for 30 years, principal and interest are about $2,023; tax escrow at ~0.70% is about $233/mo, for estimated PITI near $2,356 before PMI. Confirm the parcel's overlapping districts before treating escrow as final.
Loan Details
$70,000 · LTV 80%
Buyer Profile
Extra Payment
Optional principal-only payment used to estimate payoff speed and interest savings.
Monthly Payment
$1,770 Principal & Interest · $204 Property Taxes · $125 Other
Methodology and limitations
Last reviewed:
Methodology
Uses standard principal-and-interest mortgage math, then models housing-cost inputs such as tax, insurance, PMI, and extra-payment scenarios where available. National pages include worked PITI, term, and PMI comparison examples for planning.
Limitations
Planning estimate only. Actual approval, escrow, PMI, fees, taxes, insurance, and closing disclosures depend on lender, property, borrower profile, and local rules.
Columbia, South Carolina Mortgage Calculator - Monthly Payment with Taxes, PMI & Insurance
South Carolina · Richland County
Columbia inherits the Richland County property-tax planning benchmark (~0.70%) for South Carolina's capital market. On a $400,000 Columbia example with 20% down at 6.5% for 30 years, principal and interest are about $2,023; tax escrow at ~0.70% is about $233/mo, for estimated PITI near $2,356 before PMI. Confirm the parcel's overlapping districts before treating escrow as final.
Use this mortgage calculator for Columbia, South Carolina to estimate the monthly payment with principal, interest, configured annual taxes, eligible exemptions, and assistance programs when the buyer profile matches the conditions.
What This Estimate Uses
- Geographic level: city
- Configured property tax rate: 0.70%
- Configured benefits or exemptions: 3
- Reviewed sources: 4
What Changes in Columbia, South Carolina
- Data level used: city. This page uses the most specific available data layer for Columbia, South Carolina.
- Configured combined annual property tax rate: 0.70% before exemptions and buyer-specific conditions are applied.
- Configured down payment assistance programs: SC Housing Down Payment Assistance.
Local Tax Assumptions
These are the annual tax assumptions configured for this page. The calculator applies them to the appropriate value, then accounts for exemptions or conditions when the buyer selects them.
- South Carolina Local Property Tax - 0.700%
Programs and Exemptions Included
These benefits do not mean automatic approval. The calculator models them when the buyer inputs match the configured eligibility conditions.
- SC Housing Down Payment Assistance - $10,000 (requires: first-time buyer, primary residence)
- Mortgage Credit Certificate (MCC) - 20% of mortgage interest (requires: first-time buyer, primary residence, buyer has a Mortgage Credit Certificate)
When This Estimate Can Change
- The actual property tax bill depends on the address, overlapping taxing jurisdictions, approved exemptions, and appraised value.
- Home insurance, flood insurance, HOA dues, and PMI can vary by property, lender, and buyer profile.
- Configured closing costs include South Carolina Deed Recording Fee, but other settlement charges may appear on a real loan estimate.
2025 Local Home-Purchase Mortgage Market in Richland County, South Carolina
Local home-purchase mortgage market context for Richland County, South Carolina: in 2025 Home Mortgage Disclosure Act (HMDA) data, Richland County logged 9,386 final-action applications. The mortgage denial rate was 10.95% and the originated share was 65.62%.
These figures reflect the county market, not the city alone.
| Metric | Richland County | State |
|---|---|---|
| Final-action applications | 9,386 | 136,598 |
| Mortgage denial rate | 10.95% | 14.47% |
| Originated share | 65.62% | 62.56% |
Source: FFIEC HMDA 2025 (LAR modificado, compra de vivienda) · Texas vs California mortgage denial rates (methodology)
Nearby location comparison
Planning comparison on a $400,000 home with 20% down, 6.5% fixed for 30 years, and $100/mo insurance. Monthly tax uses each page's configured property tax rate.
| Location | Est. property tax rate | Est. monthly tax | Est. monthly PITI |
|---|---|---|---|
| Columbia (this page) | 0.70% | $233 | $2,356 |
| Charleston County | 0.55% | $183 | $2,306 |
| Greenville County | 0.65% | $217 | $2,339 |
| Horry County | 0.58% | $193 | $2,316 |
| Lexington County | 0.60% | $200 | $2,323 |
| Spartanburg County | 0.62% | $207 | $2,329 |
Local Data and Sources
Last editorial verification: May 15, 2026. This page combines the official data layers configured for Columbia, South Carolina.
The sources used on this page are Consumer Financial Protection Bureau mortgage cost guidance, South Carolina property tax, South Carolina deed recording fee, SC Housing homebuyer programs. Each source lists which rate, exemption, or program it validates and when it was last reviewed.
- Consumer Financial Protection Bureau mortgage cost guidance - verified May 3, 2026 - General U.S. mortgage closing-cost and mortgage-cost guidance.
- South Carolina property tax - verified May 15, 2026 - Official South Carolina Department of Revenue source for property-tax guidance.
- South Carolina deed recording fee - verified May 15, 2026 - Official South Carolina Department of Revenue source for deed recording fee guidance.
- SC Housing homebuyer programs - verified May 15, 2026 - Official SC Housing source for homebuyer and down payment assistance programs.
Frequently Asked Questions
What South Carolina closing cost is modeled?
The state estimate includes the South Carolina deed recording fee on the sale price. Use this state mortgage calculator to combine that assumption with principal, interest, insurance, and PMI, then drill into county or city pages when you have a specific address.
What South Carolina benefits are modeled?
The calculator models the senior homestead exemption and SC Housing down payment assistance when the buyer profile matches. Use this state mortgage calculator to combine that assumption with principal, interest, insurance, and PMI, then drill into county or city pages when you have a specific address.
What is a sample South Carolina PITI on $400,000?
With 20% down at 6.5% for 30 years, principal and interest are about $2,023. At ~0.60% statewide property-tax planning rate, monthly escrow is about $200; with $100 insurance, estimated PITI is about $2,323 without PMI. Drill into county or city calculators for address-level millage.
Why include Richland County?
Richland County includes Columbia, South Carolina's largest city and a key mortgage market. Use this county mortgage calculator to combine that local assumption with principal, interest, insurance, and PMI so your monthly PITI estimate is closer to a full housing payment before you talk to a lender.
What property tax rate does the Richland County mortgage calculator use?
Richland County uses a local planning benchmark of about 0.70% on this page. On a $400,000 home that is roughly $2,800 per year or $233 per month in escrow before exemptions or special districts. Parcel bills can still differ—verify the levy code on the address you are buying.
What is a sample Richland County PITI on $400,000?
With 20% down at 6.5% for 30 years, principal and interest are about $2,023. At ~0.70% property tax, monthly escrow is about $233; with $100 insurance, estimated PITI is about $2,356 without PMI. Enter your real price and down payment above to resize the estimate, including PMI if you put less than 20% down.
What local factors matter most in Richland County?
Start with Richland County's ~0.70% planning tax escrow, then weigh insurance—especially on the coast—and purchase price. Compare neighboring SC county calculators on a matched $400,000 example. Use this county mortgage calculator to combine that local assumption with principal, interest, insurance, and PMI so your monthly PITI estimate is closer to a full housing payment before you talk to a lender.
What property tax rate does the Columbia mortgage calculator use?
Columbia uses a Richland County planning benchmark of about 0.70% on this page. On a $400,000 home that is roughly $2,800 per year or $233 per month in escrow before exemptions or special districts. Verify the levy code on the address you are buying.
What is a sample Columbia PITI on $400,000?
With 20% down at 6.5% for 30 years, principal and interest are about $2,023. At ~0.70% property tax, monthly escrow is about $233; with $100 insurance, estimated PITI is about $2,356 without PMI. Enter your real price and down payment above to resize the estimate, including PMI if you put less than 20% down.
What local data is used for Columbia, SC?
Columbia uses Richland County's ~0.70% planning rate for escrow. Some metro addresses sit in Lexington County with different millage—confirm the county on the parcel, then compare Charleston or Greenville. Use this city mortgage calculator to combine that local assumption with principal, interest, insurance, and PMI so your monthly PITI estimate is closer to a full housing payment before you talk to a lender.