$1,953
South Carolina county average (2024)
45 of 46
Counties with data
$3,877
Highest: Charleston
$1,438
Lowest: Union
South Carolina counties by home insurance cost
All 45 natively covered South Carolina counties, most expensive first (Escrow 2024). Click a column header to re-sort. “% of home value” is the annual premium divided by the county median home value.
| 1 | Charleston | $3,877 | +109% | 0.63% |
| 2 | Beaufort | $3,409 | +84% | 0.61% |
| 3 | Georgetown | $3,381 | +82% | 0.87% |
| 4 | Horry | $2,524 | +36% | 0.79% |
| 5 | Dorchester | $2,473 | +33% | 0.70% |
| 6 | Jasper | $2,353 | +27% | 0.59% |
| 7 | Williamsburg | $2,303 | +24% | 1.86% |
| 8 | Berkeley | $2,278 | +23% | 0.61% |
| 9 | Colleton | $2,221 | +20% | 0.87% |
| 10 | Marion | $2,125 | +14% | 1.47% |
| 11 | Bamberg | $2,019 | +9% | 1.62% |
| 12 | Orangeburg | $1,991 | +7% | 1.19% |
| 13 | Dillon | $1,988 | +7% | 1.59% |
| 14 | Clarendon | $1,961 | +6% | 1.07% |
| 15 | Hampton | $1,946 | +5% | 1.24% |
| 16 | Calhoun | $1,944 | +5% | 0.94% |
| 17 | McCormick | $1,936 | +4% | 0.60% |
| 18 | Edgefield | $1,902 | +2% | 0.68% |
| 19 | Fairfield | $1,883 | +1% | 0.97% |
| 20 | Lee | $1,876 | +1% | 1.36% |
| 21 | Darlington | $1,870 | +1% | 1.07% |
| 22 | Florence | $1,858 | 0% | 0.90% |
| 23 | Chesterfield | $1,856 | 0% | 1.04% |
| 24 | Sumter | $1,834 | -1% | 0.85% |
| 25 | Saluda | $1,829 | -1% | 0.87% |
| 26 | York | $1,769 | -5% | 0.45% |
| 27 | Richland | $1,748 | -6% | 0.71% |
| 28 | Barnwell | $1,733 | -7% | 1.06% |
| 29 | Aiken | $1,731 | -7% | 0.70% |
| 30 | Kershaw | $1,724 | -7% | 0.66% |
| 31 | Lancaster | $1,714 | -8% | 0.44% |
| 32 | Abbeville | $1,691 | -9% | 0.80% |
| 33 | Newberry | $1,691 | -9% | 0.74% |
| 34 | Oconee | $1,668 | -10% | 0.56% |
| 35 | Marlboro | $1,634 | -12% | 1.73% |
| 36 | Chester | $1,631 | -12% | 0.75% |
| 37 | Greenville | $1,606 | -13% | 0.47% |
| 38 | Anderson | $1,586 | -15% | 0.54% |
| 39 | Lexington | $1,541 | -17% | 0.56% |
| 40 | Spartanburg | $1,503 | -19% | 0.54% |
| 41 | Cherokee | $1,488 | -20% | 0.78% |
| 42 | Pickens | $1,457 | -21% | 0.47% |
| 43 | Laurens | $1,451 | -22% | 0.70% |
| 44 | Greenwood | $1,448 | -22% | 0.82% |
| 45 | Union | $1,438 | -23% | 1.06% |
Free to reuse with attribution (CC BY 4.0).
Methodology
Each county figure is the median annual homeowners insurance payment for owner-occupied homes with a mortgage escrow account, from data compiled by Benjamin Keys and Philip Mulder in NBER Working Paper 32579 (premiums through 2024). The South Carolina average is a simple mean of the covered counties.
Escrow data reflects mortgaged, owner-occupied homes, so a few counties can be absent, and we publish only counties with a natively measured value. For the full methodology and the national picture, see the national home insurance by county report.
Cite or reuse this data
This dataset is offered under a Creative Commons Attribution 4.0 license (CC BY 4.0). Journalists and researchers are free to reuse the tables and the CSV in stories, charts, and reports, including commercially, as long as HearthMap is credited with a link. See the license page and the press kit.
Suggested citation
HearthMap, "Homeowners Insurance Costs by County in South Carolina (2024)," https://hearthmap.app/home-insurance-by-county/south-carolina. Based on Keys and Mulder, NBER Working Paper 32579.
Home insurance in South Carolina: frequently asked questions
- What is the average cost of homeowners insurance in South Carolina?
- The average homeowners insurance premium in South Carolina was $1,953 per year in 2024, a simple mean across the 45 counties with mortgage-escrow data (Keys-Mulder, NBER Working Paper 32579).
- Which South Carolina county has the cheapest home insurance?
- Union had the lowest average homeowners insurance premium in South Carolina at $1,438 per year in 2024.
- Which South Carolina county has the most expensive home insurance?
- Charleston had the highest average homeowners insurance premium in South Carolina at $3,877 per year in 2024.
- How many South Carolina counties are in this dataset?
- 45 of 46 South Carolina counties have a natively measured premium from mortgage-escrow data. Counties without enough escrowed mortgages are not shown.
Related
- Cheapest counties for home insurance in South Carolina
- Home insurance by county, nationwide
- Interactive map of homeowners insurance cost
- South Carolina cost of living, schools & demographics
Home insurance by county in other states:
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