Total monthly cost of ownership
Cost to Own a Home in Ninety Six, South Carolina
A $114,000 home here costs
$1,033per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $586. The real number is $447 higher every month — 76% 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.
Ninety Six against Greenwood County and South Carolina
| Measure | Ninety Six | Greenwood County |
|---|---|---|
| Median home value | $114,000 | $166,400 |
| Median property tax | $1,000 | $973 |
| Effective tax rate | 0.877% | 0.585% |
| Median gross rent | $859 | $880 |
| Population | 2,635 | 69,329 |
The weather behind that power bill
Ninety Six sits in Greenwood County, which averages a high of 90.2°F in its hottest month and a low of 31.8°F in its coldest, with 42.01" of precipitation a year and 28% of it in a single three-month stretch. That climate drives 1,676 cooling and 3,048 heating degree days, which is what sets the $145 electricity line above.
See the full climate breakdown for Greenwood County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Greenwood County
Full Greenwood County cost breakdown · Every county in South Carolina
Common questions
How much does it cost to own a home in Ninety Six?
A $114,000 home in Ninety Six, South Carolina costs approximately $1,033 per month with 20% down at 6.66%. That is $586 principal and interest, $83 property tax, $55 homeowners insurance, $213 utilities and $95 set aside for maintenance.
What is the property tax rate in Ninety Six?
Ninety Six has an effective property tax rate of 0.877%, based on a median home value of $114,000 and median real estate taxes of $1,000. That is higher than the Greenwood County average of 0.585%.
What is the average home price in Ninety Six?
The median owner-occupied home value in Ninety Six, South Carolina is $114,000, against $166,400 across Greenwood County.
Is it cheaper to rent or buy in Ninety Six?
Median gross rent in Ninety Six is $859 a month, against $1,033 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 Ninety Six — 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.