Total monthly cost of ownership
Cost to Own a Home in Darlington, South Carolina
A $163,000 home here costs
$1,332per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $838. The real number is $494 higher every month — 59% 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.
Darlington against Darlington County and South Carolina
| Measure | Darlington | Darlington County |
|---|---|---|
| Median home value | $163,000 | $141,400 |
| Median property tax | $792 | $604 |
| Effective tax rate | 0.486% | 0.427% |
| Median gross rent | $801 | $876 |
| Population | 6,128 | 62,754 |
The weather behind that power bill
Darlington sits in Darlington County, which averages a high of 92.0°F in its hottest month and a low of 32.0°F in its coldest, with 47.88" of precipitation a year and 32% of it in a single three-month stretch. That climate drives 1,973 cooling and 2,745 heating degree days, which is what sets the $145 electricity line above.
See the full climate breakdown for Darlington County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Darlington County
Full Darlington County cost breakdown · Every county in South Carolina
Common questions
How much does it cost to own a home in Darlington?
A $163,000 home in Darlington, South Carolina costs approximately $1,332 per month with 20% down at 6.66%. That is $838 principal and interest, $66 property tax, $79 homeowners insurance, $213 utilities and $136 set aside for maintenance.
What is the property tax rate in Darlington?
Darlington has an effective property tax rate of 0.486%, based on a median home value of $163,000 and median real estate taxes of $792. That is higher than the Darlington County average of 0.427%.
What is the average home price in Darlington?
The median owner-occupied home value in Darlington, South Carolina is $163,000, against $141,400 across Darlington County.
Is it cheaper to rent or buy in Darlington?
Median gross rent in Darlington is $801 a month, against $1,332 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 Darlington — 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.