Thinking about buying a home and moving to South Carolina? You’re not alone. The Upstate — and especially Greenville County — continues to attract new residents thanks to its strong job market, charming downtowns, and affordable cost of living.

But before you unpack the boxes, there are a few key differences in how homeownership works in South Carolina that every out-of-state buyer should know. 

1.  Property Taxes & Assessment: How It Really Works

One of the first surprises for new homeowners in South Carolina is the property tax system.

If your new home will be your primary residence, you may qualify for a 4% property tax assessment ratio.

The county automatically assigns the 6% investor rate to all property purchases. You must proactively apply for the 4% owner-occupied rate if this is your primary residence. This can make a major difference in your annual tax bill.

As Greenville local real estate agents, we always make sure our clients understand how to prove residency and apply for the 4% owner-occupied rate within the county deadline. Taking this step early ensures you receive the proper tax benefits from the start.

2. Buying a Home With a Spouse? Don’t Assume You’re Both Owners

How your name appears on the deed matters more than many homebuyers realize.

South Carolina does not automatically give a spouse ownership rights. Both spouses must be listed on the deed to be legal co-owners.

If only one name appears, that person is the sole owner.

There are several common types of property ownership in South Carolina:

• Tenants in Common

• Joint Tenants with Right of Survivorship

• Tenants in Common with Right of Survivorship (a hybrid of the two)

Each type has different implications for inheritance, transfers, and property rights.

📍 Tip: Ask your closing attorney to confirm how your title will be held before signing — it’s one of the most important decisions you’ll make when buying a home together.

3. Buying a Home in South Carolina? You’ll Need an Attorney at Closing

If you’re moving from out of state, you may notice something new during your home purchase — a real estate attorney handles the closing.

South Carolina is an “attorney state,” meaning a licensed real estate attorney must review your documents, manage funds, and finalize the transaction.

📍 Tip: Choose a local real estate agent and attorney familiar with Upstate SC market norms — they’ll guide you through the nuances confidently.

Even if you’ve moved around or bought homes before, South Carolina may surprise you.

From its unique property tax rules to attorney-led closings and specific deed requirements, homeownership here works differently than in many other states.

For out-of-state buyers, understanding these details before you purchase can save you time, stress, and money.

By working with a knowledgeable Greenville local real estate agent and a licensed South Carolina attorney, you can navigate the process confidently.

📍 Bottom line: The more you know before moving, the smoother your transition — and the stronger your long-term investment.

Ready to Buy in Greenville County?

If you’re planning a move to Greenville or the Upstate area, our local real estate team can help you navigate every detail — from choosing the right community to understanding South Carolina’s unique homeownership rules.

📞 Contact Hamilton & Company today to start your move with confidence.