Irmo, South Carolina.
Typical home $278,049 (+0.4% in a year), asking rent $1,810 (+1.6%). Columbia, SC metro.
to buy the typical home at today's mortgage rate — +$797 (+120%) since Jan 2020.
- 1 year
- Up $1,184 +0%
- $276,865$278,049 since Sep 2025
- 5 years
- Up $57,556 +26%
- $220,493$278,049 since Sep 2021
Monthly payment to buy the typical home
Home value × that month's 30-year mortgage rate, 20% down, principal and interest. This is the line households feel: prices and rates compound each other.
- Irmo$1,459
- South Carolina$1,597
- United States$1,922
At the last five years' pace, a typical home here doubles in price every 15 years.
Typical home values in Irmo, SC rose 0.4% over the past year — slower than the nation's +1.2%.
Asking rents in Irmo, SC rose 1.6% over the past year — slower than the nation's +2.7%.
Owning the typical home in Irmo runs $103/mo more than renting one. The gap peaked at $399 in Aug 2021.
That is $1,913 a month against $1,810 rent: a $1,459 mortgage payment, plus $156 property tax and $298 insurance & upkeep.
Owning vs renting — Irmo
The owning line is the typical home's monthly payment at that month's rate, plus property tax and insurance & upkeep; the renting line is the typical asking rent; the grey line is the mortgage payment on its own. Same homes, same months, both ways of paying for a roof.
- Owning all in$1,913
- Renting$1,810
- Mortgage only$1,459
Property tax · $156/mo 0.67% of value a year — the ACS 2020-2024 median bill over the median home value for Richland County, SC
Insurance & upkeep · $298/mo insurance, maintenance and repairs together, from the BLS Consumer Expenditure Survey — the national figure for mortgaged homeowners, scaled to this market's home value. BLS publishes the three bundled and they cannot be split.
Both are priced off the same month's home value, so they rise with the market. Neither is a quote — a specific home's bill depends on its assessment, its age and its insurer.
Living in Irmo, Richland County, South Carolina
Irmo is a town of 11,569 people in Richland County. Half its households earn more than $80,489 a year and half less, against $63,784 across Richland County; 9% of its people live below the poverty line. 82% of its homes are lived in by their owners and 18% are rented. Unemployment in Richland County was 4.5% in August 2026, and the county had 0.7% more jobs in 2025 than the year before. The most residents work in schools and health care, then shops.
Written by AI Claude Sonnet 5.5 wrote this on 23 October 2026 from the figures here, a list of nearby places and what it knows. It can be wrong or out of date.
What it’s like
The place. Irmo is a small town in Richland County where most homes are lived in by their owners, far more than across the county as a whole. Household incomes run well above the county's, and a good share of adults hold a four-year degree. Winters are mild and cool rather than harsh, with snow a rarity, summers get hot, and rain falls fairly steadily through the year.
Work. Residents work mainly in schools, hospitals and social care, in shops, in government, and in professional and business services. Among the largest workplaces in Irmo are Lexington 05 Schools, Walmart and Publix Super Markets. Commutes are of a typical length for a town this size, and some residents work from home.
Things to do. Lake Murray, a large reservoir, and Harbison State Forest, a protected area of woods, are both a short drive away. Riverbanks Zoo is also a short drive off. For a bigger outing, the Columbia Museum of Art is a longer drive.
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- 4,632households
- 39%of adults have a degree
- 9%below the poverty line
- 24 mintypical commute
- 15%work from home
What residents work in
Employed residents by industry, from the Census survey. Richland County had 229,383 jobs in 2025, 0.7% more than the year before (Bureau of Labor Statistics).
Weather through the year
Coldest in January, with highs near 54° and lows near 29°; warmest in July, with highs near 90° and lows near 68°. About 1 inches of snow and 46 inches of rain and melted snow a year.
Average daily high and low, 1991–2020, at the Cedar Creek 2E weather station, 10 miles away (NOAA).
Largest workplaces in Irmo
- Lexington 05 SchoolsSchool district3,247FTE
- WalmartWarehouse clubs and supercenters355
- Publix Super MarketsSupermarkets and other grocery stores166
- Kroger Atlanta KMASupermarkets and other grocery except convenience stores159
- MTZ73 Meetze Plumbing CompanyPlumbing, heating & ac contractor109
- CAS93 Cassell Brothers Heating and CoolingPlumbing, heating & ac contractor95
- Cregger CompanyWholesale95
- Stier Supply CompanyTrim and finish carpentry contractors85
Staff on average in 2025, as each workplace reported it to OSHA with its injury records: 10 workplaces with 20 or more staff, 1,243 people in all. School districts come from the Common Core of Data (NCES, 2023–24); FTE marks full-time equivalent staff. Not listed: many offices and banks, which need not report to OSHA; military bases, whose staff OPM withholds; and, in about half the states, city and county governments.
Natural hazards
- Ice stormsRelatively high
- TornadoesRelatively high
- LightningRelatively high
- Inland floodingRelatively high
- HurricanesRelatively moderate
- Strong windrelatively high in parts of IrmoRelatively moderate
FEMA’s National Risk Index (December 2025) rates the risk each natural hazard poses to the people, buildings and farms in Irmo’s census tracts, against the rest of the country; all of them together, relatively moderate. It is meant for planning, not a substitute for a local risk assessment or a flood map: FEMA’s index.
From the U.S. Census Bureau’s 2020 census and its American Community Survey (2020–2024 five-year estimates), and the Bureau of Labor Statistics. A survey, so each figure has a margin of error, and figures it is not sure of are left out. More on Richland County and the Columbia, SC metro.
Irmo home values
Zillow measures a city over its municipal boundary. Against the state and national figures, mid-tier homes, smoothed and seasonally adjusted.
- Irmo$278,049
- South Carolina$304,319
- United States$366,157
Levy by levy, and a check of one home’s own bill, the site covers Ohio’s property tax.
Sellers are cutting prices on about 1 in 3 Irmo listings, and the typical home goes pending in 27 days — the market is cooling.
When this market ran hot
Each cell is that month's year-on-year home-value growth. Read left to right, top row is the latest year — the 2021–22 band is the boom.
Market heat, inside the city limits
Share of listings with a price cut
The early-warning dial: sellers cut when buyers stop reaching. Rising cuts cool a market months before prices notice.
- Irmo34.91%
- United States26.90%
Days to pending
How long the typical listing takes to go under contract.
- Irmo27
- United States27
Homes for sale
Active for-sale inventory. More supply hands power to buyers.
- Irmo190
New listings per month
Sellers arriving at the market.
- Irmo50
Median sale price
What buyers actually paid — closed sales, not asking prices.
- Irmo$274,792
- United States$371,407
Sale-to-list ratio
Above 100%, homes sell over asking; below, buyers negotiate wins.
- Irmo98.32%
Zip codes with a Irmo address
A different geography, not a breakdown. The figure above covers the municipality; these zips cover everywhere the Post Office calls Irmo — often including townships beyond the city limits. Both come straight from Zillow, and they are not expected to average out.