Total monthly cost of ownership
Cost to Own a Home in Clover, South Carolina
A $236,000 home here costs
$1,957per month, all in, with 20% down at today's 7.32% 30-year fixed rate. By the 28% rule that takes a household income of about $84,000 a year.
A standard mortgage calculator would have told you $1,297. The real number is $660 higher every month, 51% more than the payment most buyers budget for.
Compare York County with anywhere in America · full county breakdown
Where every dollar goes
Only the first line is a mortgage payment. Change any assumption above and every figure below recalculates.
Clover against York County and South Carolina
| Measure | Clover | York County |
|---|---|---|
| Median home value | $236,100 | $322,700 |
| Median property tax | $1,431 | $1,602 |
| Effective tax rate | 0.606% | 0.496% |
| Median gross rent | $995 | $1,304 |
| Population | 7,013 | 288,559 |
The weather behind that power bill
Clover sits in York County, which averages a high of 89.2°F in its hottest month and a low of 29.5°F in its coldest, with 44.11" of precipitation a year and 27% of it in a single three-month stretch. That climate drives 1,565 cooling and 3,457 heating degree days, which is what sets the $162 electricity line above.
See the full climate breakdown for York County , month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in York County
Full York County cost breakdown · Every county in South Carolina
Talk to someone who works this market
These are Clover averages. What one specific house costs to own, or what it would sell for today, depends on the street and the condition of the place. We will connect you with one licensed local agent who works Clover every week. Free, no obligation, and we never sell your details to a list.
I'm looking to buy in Clover I already own here and may sell
Common questions
How much does it cost to own a home in Clover?
A $236,000 home in Clover, South Carolina costs approximately $1,957 per month with 20% down at 7.32%. That is $1,297 principal and interest, $119 property tax, $114 homeowners insurance, $230 utilities and $197 set aside for maintenance.
What is the property tax rate in Clover?
Clover has an effective property tax rate of 0.606%, based on a median home value of $236,100 and median real estate taxes of $1,431. That is higher than the York County average of 0.496%.
What is the average home price in Clover?
The median owner-occupied home value in Clover, South Carolina is $236,100, against $322,700 across York County.
Is it cheaper to rent or buy in Clover?
Median gross rent in Clover is $995 a month, against $1,957 to own the median home all in. Renting costs less month to month here, though renting builds no equity.
What salary do you need to buy a home in Clover?
Using the standard 28% rule, housing costs at no more than 28% of gross income, buying the median home in Clover, South Carolina at today's rate takes a household income of roughly $84,000 a year. That covers the full $1,957 monthly cost, not just the mortgage payment.
Sources & methodology
- Median home value, real estate taxes, gross rent and population for Clover, 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.