Total monthly cost of ownership
Cost to Own a Home in Winnsboro, South Carolina
A $122,000 home here costs
$1,050per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $627. The real number is $423 higher every month — 67% 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.
Winnsboro against Fairfield County and South Carolina
| Measure | Winnsboro | Fairfield County |
|---|---|---|
| Median home value | $122,200 | $129,100 |
| Median property tax | $592 | $683 |
| Effective tax rate | 0.484% | 0.529% |
| Median gross rent | $775 | $910 |
| Population | 3,332 | 20,741 |
The weather behind that power bill
Winnsboro sits in Fairfield County, which averages a high of 91.1°F in its hottest month and a low of 30.9°F in its coldest, with 45.12" of precipitation a year and 28% of it in a single three-month stretch. That climate drives 1,750 cooling and 3,107 heating degree days, which is what sets the $145 electricity line above.
See the full climate breakdown for Fairfield County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Fairfield County
No other places of this size are published in Fairfield County.
Full Fairfield County cost breakdown · Every county in South Carolina
Common questions
How much does it cost to own a home in Winnsboro?
A $122,000 home in Winnsboro, South Carolina costs approximately $1,050 per month with 20% down at 6.66%. That is $627 principal and interest, $49 property tax, $59 homeowners insurance, $213 utilities and $102 set aside for maintenance.
What is the property tax rate in Winnsboro?
Winnsboro has an effective property tax rate of 0.484%, based on a median home value of $122,200 and median real estate taxes of $592. That is lower than the Fairfield County average of 0.529%.
What is the average home price in Winnsboro?
The median owner-occupied home value in Winnsboro, South Carolina is $122,200, against $129,100 across Fairfield County.
Is it cheaper to rent or buy in Winnsboro?
Median gross rent in Winnsboro is $775 a month, against $1,050 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 Winnsboro — 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.