Total monthly cost of ownership
Cost to Own a Home in Lugoff, South Carolina
A $202,000 home here costs
$1,609per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $1,038. The real number is $570 higher every month — 55% 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.
Lugoff against Kershaw County and South Carolina
| Measure | Lugoff | Kershaw County |
|---|---|---|
| Median home value | $201,800 | $191,900 |
| Median property tax | $1,093 | $937 |
| Effective tax rate | 0.542% | 0.488% |
| Median gross rent | $793 | $872 |
| Population | 9,475 | 66,924 |
The weather behind that power bill
Lugoff sits in Kershaw County, which averages a high of 92.2°F in its hottest month and a low of 31.5°F in its coldest, with 38.31" of precipitation a year and 29% of it in a single three-month stretch. That climate drives 2,024 cooling and 2,759 heating degree days, which is what sets the $145 electricity line above.
See the full climate breakdown for Kershaw County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Kershaw County
Full Kershaw County cost breakdown · Every county in South Carolina
Common questions
How much does it cost to own a home in Lugoff?
A $202,000 home in Lugoff, South Carolina costs approximately $1,609 per month with 20% down at 6.66%. That is $1,038 principal and interest, $91 property tax, $97 homeowners insurance, $213 utilities and $168 set aside for maintenance.
What is the property tax rate in Lugoff?
Lugoff has an effective property tax rate of 0.542%, based on a median home value of $201,800 and median real estate taxes of $1,093. That is higher than the Kershaw County average of 0.488%.
What is the average home price in Lugoff?
The median owner-occupied home value in Lugoff, South Carolina is $201,800, against $191,900 across Kershaw County.
Is it cheaper to rent or buy in Lugoff?
Median gross rent in Lugoff is $793 a month, against $1,609 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 Lugoff — 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.