Total monthly cost of ownership
Cost to Own a Home in Keowee Key, South Carolina
A $512,000 home here costs
$3,691per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $2,632. The real number is $1,059 higher every month — 40% 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.
Keowee Key against Oconee County and South Carolina
| Measure | Keowee Key | Oconee County |
|---|---|---|
| Median home value | $512,000 | $217,200 |
| Median property tax | $2,067 | $856 |
| Effective tax rate | 0.404% | 0.394% |
| Median gross rent | — | $876 |
| Population | 3,307 | 79,566 |
The weather behind that power bill
Keowee Key sits in Oconee County, which averages a high of 88.5°F in its hottest month and a low of 29.2°F in its coldest, with 61.1" of precipitation a year and 27% of it in a single three-month stretch. That climate drives 1,396 cooling and 3,483 heating degree days, which is what sets the $145 electricity line above.
See the full climate breakdown for Oconee County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Oconee County
Full Oconee County cost breakdown · Every county in South Carolina
Common questions
How much does it cost to own a home in Keowee Key?
A $512,000 home in Keowee Key, South Carolina costs approximately $3,691 per month with 20% down at 6.66%. That is $2,632 principal and interest, $172 property tax, $247 homeowners insurance, $213 utilities and $427 set aside for maintenance.
What is the property tax rate in Keowee Key?
Keowee Key has an effective property tax rate of 0.404%, based on a median home value of $512,000 and median real estate taxes of $2,067. That is higher than the Oconee County average of 0.394%.
What is the average home price in Keowee Key?
The median owner-occupied home value in Keowee Key, South Carolina is $512,000, against $217,200 across Oconee County.
Is it cheaper to rent or buy in Keowee Key?
Rent data is not published for Keowee Key at this level of detail.
Sources & methodology
- Median home value, real estate taxes, gross rent and population for Keowee Key — 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.