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Charleston South Carolina property tax

Good news for Charleston South Carolina real estate homeowners as property taxes are significantly lower for 2007. The South Carolina legislature reduced property taxes by funding the schools with a complicated sales tax adjustment; increase the sales tax on everything except decrease the sales tax for food purchased at grocery stores. 

The new tax bills should make every homeowner happy. Smile

I didn't get my tax bill yet in my mailbox but that isn't surprising since the post office does a generally poor job of actually delivering mail but I did check out the tax link on the Charleston MLS and noticed that the property tax on my personal residence was down by over 33% from last year.

Here are a few examples from homes in Summerville located in Dorchester County showing the appraised value (not the market value) and annual property tax of homes at various price points.

  • $160,000   $1073
  • $210,000   $1381
  • $308,000   $1981
  • $700,000   $4410

The above assume that the home is your primary personal residence and you are qualified to be taxed at the 4% rate. But here is something interesting. I noticed a home that had an assessed value of $360,000. It was taxed at the 6% rate and the property tax was a whopping $6667.

Now in the old days, you were encouraged to apply for the 4% rate if you qualified so that you would save approximately 50% off the tax. But the legislature didn't really care about any tax relief for investment property or people who aren't really full time residents of South Carolina so they didn't offer any relief whatsoever and now the tax is almost double a home twice as expensive oops, approximately 50% higher than a home twice as expensive and triple the tax rate of a similarly valued home.

So rather than just encouraging you to fill out the simple paperwork to make sure you save money, I'm going to strongly suggest you do or plan on throwing money away. Or I can brow beat you, it's your choice.

By the way, if you are over 65 or disabled, the first $50,000 in value is not taxed (once again, only if you apply) so please fill out the paperwork and save some money.

Published Friday, October 26, 2007 9:29 AM by Howard Arnoff

Comments

# re: Charleston South Carolina property tax

That tax rate .0643% not 6% or 4%...

It is less than one percent! That is great.

what is the property tax in Mount Pleasant?

Friday, October 26, 2007 3:23 PM by js

# re: Charleston South Carolina property tax

JS, it doesn't quite work that way, after they get an assessed value, than it is multiplied by the mills for the particular area you are located in. Then it is multiplied by the 4% if it is your primary residence.

Actually, Dorchester County has the highest tax of the 3 county area, primarily due to the highly acclaimed Dorchester II school district. Berkeley was always the least expensive and Charleston County was in between.

Now maybe Dorchester got a slightly bigger break with the separation of schools from the tax but I'm sure you can count on a similar tax in Mount Pleasant.

A client of mine just put an offer on a $399k listing and the property tax was $2300 in Mount Pleasant for that price range home. By the way, we didn't pay 399 :)

Friday, October 26, 2007 3:54 PM by Howard Arnoff

# re: Charleston South Carolina property tax

Interesting...

Can you explain the "mulitiplied by the mills" comment? I have no idea what that means.

Out here in california the county gives a flat property tax rate, which can then be subject to mello roos, supplementals, bond assesments, etc.

It can get pretty crazy. For one of my properties, I pay 2% on a 800k assessed property. That is 16k a year just in property tax!

Friday, October 26, 2007 7:32 PM by js

# re: Charleston South Carolina property tax

JS, the property tax rate is known as a millage rate or mill which is one-thousandth of a dollar. To calculate the property tax, the county will multiply the assessed value of the property by the mill rate and then divide by 1,000.

For example, a property with an assessed value of $200,000 located in a municipality with a mill rate of 200 mills and then taxed at the 4% rate would have a property tax bill of $1600 per year.

Another home might be located in the same county but where the mill rate was 190 and the tax would be $1520. I don’t know anything about mello roos and what not but I hope this helps. On a positive note, property taxes in South Carolina are quite reasonable.

Saturday, October 27, 2007 4:51 AM by Howard Arnoff

# re: Charleston South Carolina property tax

Good post, but have you thought about Charleston South Carolina property tax before?

Tuesday, August 18, 2009 7:23 AM by Vino Nebbiolo

# re: Charleston South Carolina property tax

link (spam) removed but stupid spam comment left for all to see.

Tuesday, August 18, 2009 7:41 AM by Howard Arnoff

# re: Charleston South Carolina property tax

Wow, I never knew that Charleston Real Estate Blog . That's pretty interesting...

Tuesday, August 18, 2009 8:39 AM by produttori vino piemonte

# re: Charleston South Carolina property tax

link spam removed

and you are just as stupid as your friend with your lame comment.

Tuesday, August 18, 2009 8:56 AM by Howard Arnoff
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