Total monthly cost of ownership
Cost to Own a Home in Beech Island, South Carolina
A $105,000 home here costs
$929per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $540. The real number is $389 higher every month — 72% more than the payment most buyers budget for.
Where every dollar goes
Only the first line is a mortgage payment. Change any assumption above and every figure below recalculates.
Beech Island against Aiken County and South Carolina
| Measure | Beech Island | Aiken County |
|---|---|---|
| Median home value | $105,400 | $199,500 |
| Median property tax | — | $862 |
| Effective tax rate | 0.432% | 0.432% |
| Median gross rent | $982 | $1,031 |
| Population | 1,139 | 171,949 |
The weather behind that power bill
Beech Island sits in Aiken County, which averages a high of 90.8°F in its hottest month and a low of 35.6°F in its coldest, with 46.22" of precipitation a year and 32% of it in a single three-month stretch. That climate drives 2,005 cooling and 2,383 heating degree days, which is what sets the $145 electricity line above.
See the full climate breakdown for Aiken County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Aiken County
Full Aiken County cost breakdown · Every county in South Carolina
Common questions
How much does it cost to own a home in Beech Island?
A $105,000 home in Beech Island, South Carolina costs approximately $929 per month with 20% down at 6.66%. That is $540 principal and interest, $38 property tax, $51 homeowners insurance, $213 utilities and $88 set aside for maintenance.
What is the property tax rate in Beech Island?
Place-level tax data is not published for Beech Island, so the Aiken County rate of 0.432% applies here.
What is the average home price in Beech Island?
The median owner-occupied home value in Beech Island, South Carolina is $105,400, against $199,500 across Aiken County.
Is it cheaper to rent or buy in Beech Island?
Median gross rent in Beech Island is $982 a month, against $929 to own the median home all in. Owning costs less month to month here, though renting builds no equity.
Sources & methodology
- Median home value, real estate taxes, gross rent and population for Beech Island — US Census Bureau, American Community Survey ACS 2023 5-Year, place-level tables.
- Homeowners insurance — NAIC average premium for South Carolina.
- Electricity price — EIA Electric Power Monthly Table 5.6.A.
- Mortgage rate — Freddie Mac PMMS, refreshed weekly.
- Maintenance (1%/yr) and water and sewer ($68/mo) are national estimates. Every assumption above is editable.