SC Disabled Veteran Property Tax Exemption Calculator (2026)

Key takeaways

As of 2026, South Carolina's disabled-Veteran property tax exemption under §12-37-220 is all-or-nothing: a 100% permanent-and-total service-connected disability zeroes the bill on the home plus up to 5 acres, with no partial-rating property-tax benefit today.
Up to 2 private passenger vehicles are exempt for the qualifying Veteran; an unremarried surviving spouse keeps the real-property exemption and gets 1 vehicle exemption in their own right, per the current SCDOR rules.
Apply through MyDORWAY (dor.sc.gov/exempt-property) or Form PT-401-I; the SCDOR, not your lender, determines and administers the exemption.
Because the exemption removes the tax escrow, it can cut roughly $2,000-$4,000 a year from a typical SC home's carrying cost, lowering monthly PITI and improving DTI — Mike reflects the post-exemption number at pre-approval when the lender allows it.

Your situation

Your qualification

VA disability status

South Carolina's exemption is all-or-nothing: 100% P&T (and certain statutory categories) get the entire bill removed; there is no partial-rating property-tax benefit. Unremarried surviving spouses keep it.

Your home

Home market value

SC county

Rough planning assumptions (owner-occupied 4% ratio); your district millage sets the real number.

Is this your primary residence?

Your savings under S.C. Code §12-37-220

$0 per year · $0 over 10 years

Annual property tax (without exemption)	$0
Exemption applied	—
Annual tax removed	$0
Annual property tax (after exemption)	$0
Annual savings	$0

How to claim: Apply online through the SCDOR's MyDORWAY exempt-property application (no account needed) or file Form PT-401-I, with your VA award letter. There is no filing deadline, and once granted it does not expire. Surviving spouses apply the same way. We handle the financing side; the SCDOR handles the exemption.

Talk to a SC VA loan specialist about your numbers

Have a question about what this calculator showed you? Mike Certo (Cornerstone First Mortgage, Nationwide Mortgage Licensing System (NMLS) #260555) reviews every result personally. No commitment, no pressure.

Simplified estimate: your county sets assessed value and millage; the SCDOR determines the exemption. Estimates only. Not a commitment to lend. Actual VA loan terms depend on full underwriting including credit, income, assets, property appraisal, residual income, and VA entitlement. Mike Certo · Cornerstone First Mortgage NMLS #173855 · Mike Certo NMLS #260555. Equal Housing Lender.