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Charleston Mortgage Calculator

Estimate your true cost of homeownership in Charleston with localized property taxes, insurance, and utility data.

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Est. Total Monthly Cost

$2,089

P&I Payment$1,734

Taxes & Ins$193

Utilities$162

Also calculate:FHA Calculator VA Calculator

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Mortgage Details

Home Price$327,271

Local Median: $327,271

Down Payment$65,454 (20%)

Interest Rate

Loan Term

Credit Score

Used with your down payment to fetch a live, scenario-specific rate.

Local Area Costs

Property Taxes / yr$973

Homeowners Ins. / yr$1,345

Include Flood InsuranceOptional

Estimated based on Charleston FEMA risk profiles.

Include Est. Utilities$1,942/yr

Based on DOE LEAD data for Charleston.

Monthly$2,089

Monthly Breakdown

Principal & Interest

$1,734

Property Taxes

$81

Homeowners Ins.

$112

Utilities

$162

Amortization Schedule

Loan balance and total interest paid over 30 years.

Total Interest

$362,538

Local Housing Facts for Charleston

·Median home value: $327,271 (adjusted for current market conditions)
·Est. property taxes: $973/yr — pre-loaded from county assessment data
·Homeowners insurance (HO-3): $1,345/yr — based on local per-$1K premium rates
·Energy utilities: $1,942/yr — sourced from DOE LEAD survey data
·Flood insurance: optional — toggled off by default, estimate based on FEMA risk profile

Frequently Asked Questions

How much are property taxes in Charleston?

Based on the local median home value, estimated real estate property taxes in Charleston are around $973 per year.

What is the average home price in Charleston?

The median home value in Charleston is currently estimated at $327,271.

How much does homeowners insurance cost in Charleston?

For a median priced home, homeowners insurance in Charleston averages around $1,345 annually.

What is the true total cost of owning a home in Charleston?

True homeownership costs go beyond principal and interest. In Charleston, a typical homeowner with a median-priced home of $327,271 can expect to pay roughly $973/yr in property taxes, $1,345/yr for homeowners insurance, and $1,942/yr in energy utilities. That adds approximately $355 per month in ongoing costs on top of your mortgage payment. Use our calculator above to model your exact all-in monthly cost.