Total monthly cost of ownership
Cost to Own a Home in Holly Hill, South Carolina
A $194,000 home here costs
$1,575per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $997. The real number is $577 higher every month — 58% 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.
Holly Hill against Orangeburg County and South Carolina
| Measure | Holly Hill | Orangeburg County |
|---|---|---|
| Median home value | $193,500 | $109,700 |
| Median property tax | $1,303 | $724 |
| Effective tax rate | 0.673% | 0.660% |
| Median gross rent | $637 | $804 |
| Population | 1,415 | 83,531 |
The weather behind that power bill
Holly Hill 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 Holly Hill?
A $194,000 home in Holly Hill, South Carolina costs approximately $1,575 per month with 20% down at 6.66%. That is $997 principal and interest, $109 property tax, $93 homeowners insurance, $213 utilities and $162 set aside for maintenance.
What is the property tax rate in Holly Hill?
Holly Hill has an effective property tax rate of 0.673%, based on a median home value of $193,500 and median real estate taxes of $1,303. That is higher than the Orangeburg County average of 0.660%.
What is the average home price in Holly Hill?
The median owner-occupied home value in Holly Hill, South Carolina is $193,500, against $109,700 across Orangeburg County.
Is it cheaper to rent or buy in Holly Hill?
Median gross rent in Holly Hill is $637 a month, against $1,575 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 Holly Hill — 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.