WhereCanIAfford › Columbia, SC › On $125,000

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

YES On $125,000/yr, the typical $257,718 home in Columbia, SC needs $77,424/yr ($1,807/mo). Your gap: +$47,576 — housing would be 17.3% of your gross income.

The math

257,718 price − 10% down (25,772) = 231,946 loan
30-yr fixed at 6.69% on 231,946 = 1,495/mo principal+interest
+ 311/mo est. taxes+insurance (1.45%/yr of value — national placeholder)
1,807/mo PITI ÷ 0.28 = 6,452/mo → 77,424/yr required

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

What salary WOULD clear Columbia, SC?

You need about $77,424/yr for the typical home. On $125,000 you already clear it by $47,576.

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

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