Closing Costs for South Carolina (2026)
South Carolina (SC) Key Facts
Average Closing Cost Rate
2.8%
Estimated Closing Costs ( Median Home)
$8,120
Attorney Required at Closing
Yes
Median Home Price
$290,000
Transfer Tax
Varies by county
How This Calculator Works in South Carolina
This closing costs calculator estimates the total amount you will need at closing when buying a home in South Carolina. It uses the state's average closing cost rate of 2.8% as a baseline and lets you adjust for your specific purchase price and situation. Understanding these costs in advance helps you budget effectively and avoid surprises at the closing table.
South Carolina Overview
Closing costs in South Carolina average about 2.8% of the home's purchase price—roughly $8,120 on the median home of $290,000. South Carolina requires an attorney at closing, adding legal oversight and cost to the process. Transfer taxes in South Carolina are: $1.85 per $500 (deed recording fee).
How South Carolina Compares
South Carolina's average closing cost rate of 2.8% is in the middle range nationally. Neighboring North Carolina averages 2.8%, while Georgia averages 3%. States with attorney requirements and higher transfer taxes tend to have elevated closing costs overall.
| State | Top Rate | Notes |
|---|---|---|
| North Carolina | 2.8% | Average closing costs are 2.8% of the home price, approximately $9,100 on the median home. Attorney not required at closing. |
| Georgia | 3% | Average closing costs are 3% of the home price, approximately $9,600 on the median home. Attorney required at closing. |
| Tennessee | 2.8% | Average closing costs are 2.8% of the home price, approximately $8,680 on the median home. Attorney not required at closing. |
Closing costs in South Carolina average 2.8% of the home price, or about $8,120 on the median-priced home of $290,000. The national average for closing costs is typically 2-5% of the purchase price. South Carolina falls in the mid-range nationally.
Tips for South Carolina Residents
- 1Budget approximately 2.8% of the purchase price for closing costs in South Carolina, which comes to about $8,120 on the median home of $290,000. This is in addition to your down payment and moving expenses.
- 2South Carolina requires an attorney at closing, adding legal oversight and cost to the process. Attorney fees typically run $500-$2,000 in South Carolina depending on the complexity of the deal.
- 3Transfer taxes in South Carolina: $1.85 per $500 (deed recording fee). Make sure you know who is customarily responsible (buyer or seller) in your county, as local practice varies.
- 4Shop at least three lenders for your Loan Estimate in South Carolina. Origination fees, discount points, and third-party charges can differ by $1,000 or more between lenders on the same loan amount.
- 5Ask about first-time homebuyer programs in South Carolina that may offer closing cost assistance, grants, or below-market interest rates. Many state and county housing finance agencies provide such programs.
Frequently Asked Questions
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