Total monthly cost of ownership
Cost to Own a Home in Hartsville, South Carolina
A $189,000 home here costs
$1,585per month, all in, with 20% down at today's 7.24% 30-year fixed rate. By the 28% rule that takes a household income of about $68,000 a year.
A standard mortgage calculator would have told you $1,030. The real number is $555 higher every month, 54% more than the payment most buyers budget for.
Compare Darlington 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.
Hartsville against Darlington County and South Carolina
| Measure | Hartsville | Darlington County |
|---|---|---|
| Median home value | $188,800 | $141,400 |
| Median property tax | $874 | $604 |
| Effective tax rate | 0.463% | 0.427% |
| Median gross rent | $834 | $876 |
| Population | 7,422 | 62,754 |
The weather behind that power bill
Hartsville 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 $165 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
Talk to someone who works this market
These are Hartsville 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 Hartsville every week. Free, no obligation, and we never sell your details to a list.
I'm looking to buy in Hartsville I already own here and may sell
Common questions
How much does it cost to own a home in Hartsville?
A $189,000 home in Hartsville, South Carolina costs approximately $1,585 per month with 20% down at 7.24%. That is $1,030 principal and interest, $73 property tax, $91 homeowners insurance, $233 utilities and $158 set aside for maintenance.
What is the property tax rate in Hartsville?
Hartsville has an effective property tax rate of 0.463%, based on a median home value of $188,800 and median real estate taxes of $874. That is higher than the Darlington County average of 0.427%.
What is the average home price in Hartsville?
The median owner-occupied home value in Hartsville, South Carolina is $188,800, against $141,400 across Darlington County.
Is it cheaper to rent or buy in Hartsville?
Median gross rent in Hartsville is $834 a month, against $1,585 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 Hartsville?
Using the standard 28% rule, housing costs at no more than 28% of gross income, buying the median home in Hartsville, South Carolina at today's rate takes a household income of roughly $68,000 a year. That covers the full $1,585 monthly cost, not just the mortgage payment.
Sources & methodology
- Median home value, real estate taxes, gross rent and population for Hartsville, 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.