Total monthly cost of ownership
Cost to Own a Home in Saluda, South Carolina
A $82,000 home here costs
$772per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $422. The real number is $350 higher every month — 83% 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.
Saluda against Saluda County and South Carolina
| Measure | Saluda | Saluda County |
|---|---|---|
| Median home value | $81,500 | $123,200 |
| Median property tax | $348 | $700 |
| Effective tax rate | 0.427% | 0.568% |
| Median gross rent | $772 | $814 |
| Population | 3,095 | 18,958 |
The weather behind that power bill
Saluda sits in Saluda County, which averages a high of 92.6°F in its hottest month and a low of 31.7°F in its coldest, with 46.8" of precipitation a year and 28% of it in a single three-month stretch. That climate drives 1,970 cooling and 2,954 heating degree days, which is what sets the $145 electricity line above.
See the full climate breakdown for Saluda County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Saluda County
No other places of this size are published in Saluda County.
Full Saluda County cost breakdown · Every county in South Carolina
Common questions
How much does it cost to own a home in Saluda?
A $82,000 home in Saluda, South Carolina costs approximately $772 per month with 20% down at 6.66%. That is $422 principal and interest, $29 property tax, $39 homeowners insurance, $213 utilities and $68 set aside for maintenance.
What is the property tax rate in Saluda?
Saluda has an effective property tax rate of 0.427%, based on a median home value of $81,500 and median real estate taxes of $348. That is lower than the Saluda County average of 0.568%.
What is the average home price in Saluda?
The median owner-occupied home value in Saluda, South Carolina is $81,500, against $123,200 across Saluda County.
Is it cheaper to rent or buy in Saluda?
Median gross rent in Saluda is $772 a month, against $772 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 Saluda — 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.