Total monthly cost of ownership
Cost to Own a Home in Joanna, South Carolina
A $108,000 home here costs
$954per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $555. The real number is $399 higher every month — 72% 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.
Joanna against Laurens County and South Carolina
| Measure | Joanna | Laurens County |
|---|---|---|
| Median home value | $107,800 | $153,500 |
| Median property tax | $522 | $673 |
| Effective tax rate | 0.484% | 0.438% |
| Median gross rent | $597 | $847 |
| Population | 1,375 | 67,904 |
The weather behind that power bill
Joanna sits in Laurens County, which averages a high of 90.9°F in its hottest month and a low of 30.3°F in its coldest, with 46.71" of precipitation a year and 27% of it in a single three-month stretch. That climate drives 1,788 cooling and 3,135 heating degree days, which is what sets the $145 electricity line above.
See the full climate breakdown for Laurens County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Laurens County
Full Laurens County cost breakdown · Every county in South Carolina
Common questions
How much does it cost to own a home in Joanna?
A $108,000 home in Joanna, South Carolina costs approximately $954 per month with 20% down at 6.66%. That is $555 principal and interest, $44 property tax, $52 homeowners insurance, $213 utilities and $90 set aside for maintenance.
What is the property tax rate in Joanna?
Joanna has an effective property tax rate of 0.484%, based on a median home value of $107,800 and median real estate taxes of $522. That is higher than the Laurens County average of 0.438%.
What is the average home price in Joanna?
The median owner-occupied home value in Joanna, South Carolina is $107,800, against $153,500 across Laurens County.
Is it cheaper to rent or buy in Joanna?
Median gross rent in Joanna is $597 a month, against $954 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 Joanna — 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.