New-home cost estimator for York County, SC

See what a new home really costs a month and at closing, with York County’s own tax rates. Change any number; nothing you enter is stored.

Carolina New Home Guide · New-home cost estimate · built by LYFYE

York County, SC · 2025 county tax rates

What will this home really cost?

Change any number. Taxes use York County’s own published rates; everything else is your own figure or a clearly marked example.

Home price

Down payment 10% · $40,000Under 20% down, most conventional loans add mortgage insurance.

Interest rateExample. Use your lender’s quote.

Loan term

Where in York CountyNot sure? The county’s GIS map shows a parcel’s tax district. Some neighborhoods add a small fire or special-district levy.This will be my primary home (taxed at the 4% legal-residence rate once you apply)

Insurance, HOA and closing costs

Homeowners insurance / yearExample. Get quotes.HOA dues / monthAsk the builder for the community’s dues.Mortgage insurance / yearOf the loan. Freddie Mac: about $30–$70 a month per $100,000.Closing costsOf the loan. Your lender’s Loan Estimate has the real figure.Builder or lender creditsOnly offers you have in writing.

Estimated monthly payment$2,968$360,000 loan · 6.5% · 30 years

Principal & interest$2,275
Property tax$363
Insurance$150
Mortgage insurance$180

Cash to bring to closing$53,688

Down payment$40,000
Closing costs$10,800
Insurance and tax set-up (rough)$2,888

The 4% legal-residence assessment saves about $8,458 a year here. It isn’t automatic: apply to the York County Assessor once your deed is recorded and you live in the home.

Ask LeAnna which homes fit this budget

How the estimate works

Principal and interest use the standard fixed-rate loan formula with your price, down payment, rate and term.
Property tax follows York County’s published method: the price × 4% (primary home) or 6%, × the 2025 millage for the area you choose.
Mortgage insurance applies below 20% down, at the yearly rate you set (Freddie Mac’s range is about $30–$70 a month per $100,000 borrowed).
Cash to close adds the down payment, your closing-cost percentage and a rough insurance-and-tax set-up, minus credits you have in writing.

Sources

Updated October 19, 2026

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New-home cost estimator for York County, SC

What will this home really cost?

How the estimate works

Sources

The new-home buyer’s checklist

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