Total monthly cost of ownership
Cost to Own a Home in Cottageville, South Carolina
A $145,000 home here costs
$1,235per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $745. The real number is $490 higher every month — 66% 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.
Cottageville against Colleton County and South Carolina
| Measure | Cottageville | Colleton County |
|---|---|---|
| Median home value | $144,800 | $145,900 |
| Median property tax | $1,027 | $883 |
| Effective tax rate | 0.709% | 0.605% |
| Median gross rent | $915 | $905 |
| Population | 1,154 | 38,623 |
The weather behind that power bill
Cottageville sits in Colleton County, which averages a high of 90.5°F in its hottest month and a low of 35.2°F in its coldest, with 51.42" of precipitation a year and 35% of it in a single three-month stretch. That climate drives 2,016 cooling and 2,322 heating degree days, which is what sets the $145 electricity line above.
See the full climate breakdown for Colleton County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Colleton County
Full Colleton County cost breakdown · Every county in South Carolina
Common questions
How much does it cost to own a home in Cottageville?
A $145,000 home in Cottageville, South Carolina costs approximately $1,235 per month with 20% down at 6.66%. That is $745 principal and interest, $86 property tax, $70 homeowners insurance, $213 utilities and $121 set aside for maintenance.
What is the property tax rate in Cottageville?
Cottageville has an effective property tax rate of 0.709%, based on a median home value of $144,800 and median real estate taxes of $1,027. That is higher than the Colleton County average of 0.605%.
What is the average home price in Cottageville?
The median owner-occupied home value in Cottageville, South Carolina is $144,800, against $145,900 across Colleton County.
Is it cheaper to rent or buy in Cottageville?
Median gross rent in Cottageville is $915 a month, against $1,235 to own the median home all in. Renting costs less month to month here, though renting builds no equity.
Sources & methodology
- Median home value, real estate taxes, gross rent and population for Cottageville — 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.