Total monthly cost of ownership
Cost to Own a Home in Edisto, South Carolina
A $46,000 home here costs
$547per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $236. The real number is $311 higher every month — 131% 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.
Edisto against Orangeburg County and South Carolina
| Measure | Edisto | Orangeburg County |
|---|---|---|
| Median home value | $46,200 | $109,700 |
| Median property tax | $446 | $724 |
| Effective tax rate | 0.965% | 0.660% |
| Median gross rent | $852 | $804 |
| Population | 2,261 | 83,531 |
The weather behind that power bill
Edisto sits in Orangeburg County, which averages a high of 91.9°F in its hottest month and a low of 36.9°F in its coldest, with 43.67" of precipitation a year and 32% of it in a single three-month stretch. That climate drives 2,234 cooling and 2,195 heating degree days, which is what sets the $145 electricity line above.
See the full climate breakdown for Orangeburg County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Orangeburg County
Full Orangeburg County cost breakdown · Every county in South Carolina
Common questions
How much does it cost to own a home in Edisto?
A $46,000 home in Edisto, South Carolina costs approximately $547 per month with 20% down at 6.66%. That is $236 principal and interest, $37 property tax, $22 homeowners insurance, $213 utilities and $38 set aside for maintenance.
What is the property tax rate in Edisto?
Edisto has an effective property tax rate of 0.965%, based on a median home value of $46,200 and median real estate taxes of $446. That is higher than the Orangeburg County average of 0.660%.
What is the average home price in Edisto?
The median owner-occupied home value in Edisto, South Carolina is $46,200, against $109,700 across Orangeburg County.
Is it cheaper to rent or buy in Edisto?
Median gross rent in Edisto is $852 a month, against $547 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 Edisto — 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.