South Carolina Home Seller Net Proceeds Calculator

Selling a Home in South Carolina

South Carolina sellers pay the Deed Recording Fee of $1.85 per $500 of sale price (0.37%) — $1.30 state and $0.55 county — on every residential transfer. The fee is customarily paid by the seller at recording. On top of the recording fee, sellers pay agent commissions, the owner's title insurance policy, attorney fees, and standard recording costs.

South Carolina Transfer Tax & Closing Costs

South Carolina uses an attorney-closing model — closings are handled by a real estate attorney. The seller customarily pays the Deed Recording Fee and the owner's title insurance policy. Attorney fees are negotiable.

How to Estimate Your South Carolina Net Proceeds

1. Sale Price: Start with the agreed-upon contract price.
2. Mortgage Payoff: Subtract your remaining loan balance and accrued interest through closing.
3. Transfer Taxes: Apply the state, county, and any municipal transfer tax owed by the seller.
4. Closing Costs: Deduct commissions, owner's title insurance, attorney/escrow, and recording fees.

South Carolina Net Proceeds = Sale Price − Mortgage Payoff − Commissions − Transfer Taxes − Closing Costs

Key Factors to Consider

• SC Deed Recording Fee (Seller-Paid): $1.85 per $500 of sale price = 0.37% statewide ($1.30 state + $0.55 county). Paid by the seller at recording.
• Non-Resident Withholding: Out-of-state individual sellers face 7% withholding on the gain at closing (5% for entities), reconciled when filing the South Carolina return.
• Title Insurance: Premiums are not state-promulgated. The seller customarily pays the owner's policy.
• Attorney Fees: South Carolina requires an attorney-supervised closing. Fees vary by firm.
• Recording Fees: County recording fees beyond the Deed Recording Fee are a small fixed cost at closing.

Why use this tool?

Most national net-sheet calculators ignore South Carolina's layered transfer tax structure — state, county, and municipal — and silently understate closing costs by thousands of dollars. This calculator applies the correct rates for the city you select so the bottom line reflects what you'll actually walk away with.

Need more accuracy?

This tool provides general estimates only. Confirm exact figures with your closing attorney or title company, and consult a qualified tax professional regarding state and federal capital gains or other obligations specific to your sale.

South Carolina Seller FAQ