South Carolina SALT Cap Calculator
For South Carolina filers.
The short answer: At the scenario numbers below, the OBBBA SALT deduction is $5,500 — about $1,210 back at a 22% rate ($47 per biweekly paycheck).
⚠️ This calculator provides estimates for informational and educational purposes only. It is not tax advice. Results are based on the One Big Beautiful Bill Act (OBBBA) and IRS Schedule 1-A. Consult a qualified tax professional for your specific situation.
Your State's Slice of the $40,000 Cap
SC's top 6.2% (reduced to 3% flat for 2025 in recent legislation) plus coastal property taxes build SALT.
- • Income + property → SALT to $40,000
- • Phase-out above $500,000 MFJ
- • Coastal insurance isn't a tax — never SALT
Worked Example
A Charleston MFJ household, $215,000 MAGI: about $10,500 income tax plus $5,000 property tax.
- • Deductible amount: $5,500
- • Federal income tax savings: $1,210 (at the 22% marginal rate)
- • Per biweekly paycheck: $47
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Frequently Asked Questions
Did South Carolina's flat-tax cuts change SALT?
They lower state tax paid — SALT follows actual taxes, so the deduction shrinks as the rate falls.
Charleston property tax high enough to itemize?
Combined with state tax, many coastal itemizers clear the standard deduction — model it.