WhereCanIAfford › Columbia, SC › On $125,000

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

YES On $125,000/yr, the typical $256,132 home in Columbia, SC needs $78,660/yr ($1,835/mo). Your gap: +$46,340 — housing would be 17.6% of your gross income.

The math

256,132 price − 10% down (25,613) = 230,519 loan
30-yr fixed at 6.95% on 230,519 = 1,526/mo principal+interest
+ 309/mo est. taxes+insurance (1.45%/yr of value — national placeholder)
1,835/mo PITI ÷ 0.28 = 6,555/mo → 78,660/yr required

against Zillow ZHVI 2026-08 and the 6.95% FRED 30-yr rate (2026-09-17).

What salary WOULD clear Columbia, SC?

You need about $78,660/yr for the typical home. On $125,000 you already clear it by $46,340.

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 →