Mortgage payment estimates, closing cost breakdowns, and homebuying data for Orangeburg, South Carolina.
Median Home Price
$155K
Population
13K
Avg Monthly Rent
$780
Property Tax Rate
0.57% *
* Property tax shown is the South Carolina state average effective rate. Actual rates vary by county, city, and school district — check with your local assessor for exact rates in Orangeburg.
Orangeburg vs South Carolina Median
The median home price in Orangeburg is $155,000, which is 49% below the South Carolina state median of $305,000.
Mortgage Calculator — Orangeburg, SC
Pre-filled with Orangeburg median home price and South Carolina tax/insurance rates. Adjust for your property.
Three down payment scenarios for a $155K home using South Carolina's 0.57% tax rate and $2,600/yr insurance.
5% Down
$1,307/mo
Down: $7,750
Loan: $147K
P&I: $931
Tax: $74
Insurance: $217
PMI: $86
10% Down
$1,253/mo
Down: $15,500
Loan: $140K
P&I: $882
Tax: $74
Insurance: $217
PMI: $81
20% Down (No PMI)
$1,074/mo
Down: $31,000
Loan: $124K
P&I: $784
Tax: $74
Insurance: $217
Income needed (28% rule): $46K/year with 20% down, $54K/year with 10% down.
Rent vs Buy in Orangeburg
Rent
$780/mo
vs
Buy (10% down)
$1,253/mo
Price-to-rent ratio: 16.6 — A ratio between 15-20 means the rent vs buy decision in Orangeburg depends heavily on your timeline. If you plan to stay 5+ years, buying likely wins. For shorter stays, renting preserves flexibility.
The median home price in Orangeburg is $155,000, 49% below the South Carolina state median of $305,000. With a population of 12,916, Orangeburg is a smaller market where home prices tend to be more accessible than in many parts of South Carolina.
Property taxes in South Carolina average 0.57% annually. This low property tax rate is a significant advantage for Orangeburg buyers, keeping your monthly costs well below what you'd pay in higher-tax states. Homeowners insurance in South Carolina runs approximately $2,600 per year. This is within the normal range nationally.
Average rent in Orangeburg is $780/month. The price-to-rent ratio in Orangeburg is moderate, meaning the buy-vs-rent decision depends heavily on how long you plan to stay.
Orangeburg offers strong affordability. With median prices under $250K, first-time buyers have realistic paths to homeownership, especially combined with South Carolina's SC Housing Palmetto Home program.
Run a Rent vs Buy analysis
Compare total costs of renting vs buying in Orangeburg.