WhereCanIAfford › Charleston, SC › On $125,000

Is Charleston, SC affordable on a $125,000 salary?

A STRETCH On $125,000/yr, the typical $436,297 home in Charleston, SC needs $131,074/yr ($3,058/mo). Your gap: $-6,074 — housing would be 29.4% of your gross income.

The math

436,297 price − 10% down (43,630) = 392,667 loan
30-yr fixed at 6.69% on 392,667 = 2,531/mo principal+interest
+ 527/mo est. taxes+insurance (1.45%/yr of value — national placeholder)
3,058/mo PITI ÷ 0.28 = 10,923/mo → 131,074/yr required

against Zillow ZHVI 2026-06 and the 6.69% FRED 30-yr rate (2026-08-06).

What salary WOULD clear Charleston, SC?

You need about $131,074/yr for the typical home. That's $6,074 more than $125,000.

On $100,000? On $150,000? On $175,000?

See the full Charleston, SC affordability breakdown → or every metro you can afford on $125,000 →