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South Carolina Small Estate Affidavit

Figures verified November 9, 2026 against S.C. Code § 62-3-1201 (probate form 420ES) · Update log

Short answer

South Carolina's small estate limit is $45,000. If the probate estate is worth $45,000 or less after liens, a successor can collect personal property with a sworn affidavit once more than 30 days have passed. The probate judge must approve and countersign it before the bank pays.

South Carolina small estate rules at a glance

ProcedureAffidavit for collection of personal property
Limit$45,000. Probate estate after liens, raised from $25,000 on May 8, 2025
Waiting periodMore than 30 days after the death
Where it goesThe probate judge in the county where the person lived approves and countersigns it
Real estateNo. The affidavit covers personal property.
LawS.C. Code § 62-3-1201 (probate form 420ES)

Can you use it?

You can generally use the South Carolina shortcut when all of these are true:

  • The probate estate is $45,000 or less (probate estate after liens, raised from $25,000 on May 8, 2025).
  • Timing: more than 30 days after the death.
  • No one has been appointed, or applied to be appointed, executor or administrator.
  • Real estate: no. The affidavit covers personal property.

Other South Carolina rules

  • A summary administration route under §§ 62-3-1203 and 62-3-1204 covers estates of $45,000 or less after expenses.

How to use the South Carolina affidavit

  1. Add up the probate estate. List what the person owned in their name alone, with no beneficiary or surviving joint owner, at its value on the date of death.
  2. Check the timing. More than 30 days after the death.
  3. Get the paperwork. Ask the probate court clerk in the county where the person lived for the current form.
  4. Sign it under oath, usually before a notary, listing each person entitled to the property and their share.
  5. File it. The probate judge in the county where the person lived approves and countersigns it. Once the court accepts it, banks and other holders release the property.
  6. Pay debts and distribute. Pay the funeral and valid debts, then distribute under the will or South Carolina's intestacy law. If you take more than your share, the other heirs and creditors can come after you for it.

The person's final income tax return is still due by April 15 of the year after the death. See the final tax returns guide, and Form 1310 to claim a refund without an executor.

A car title moves through the state's motor vehicle office, which has its own forms: see how to transfer a car title after death.

If the estate is over the limit

Then the estate goes through probate: the court appoints an executor, who gets letters testamentary (or letters of administration when there is no will) and settles the estate. South Carolina's court and forms are in the probate forms by state table. In South Carolina, creditors have this long to claim: 8 months after first publication, or 1 year after the death if that comes first. See how long probate takes in South Carolina.

Use the probate cost calculator to estimate the court, attorney and executor fees.

South Carolina taxes on a small estate

South Carolina has no estate or inheritance tax, so a small estate owes no state death tax. See South Carolina estate tax for the rules heirs still meet, such as income tax on an inherited IRA.

Optional: get help filing

Get a flat-fee quote for the estate's tax returns

The final Form 1040, the estate's Form 1041 and any state return are the parts executors most often hand off. Leave your email and the rough estate size, and a CPA or Enrolled Agent who prepares estate returns will reply with a fixed price. Free, and no obligation.

Add details (optional, helps the CPA price it)

We pass your request to an independent CPA or Enrolled Agent who prepares these returns. We may be paid a referral fee by the professional; it never changes the price you are quoted. This is not legal or tax advice.

Small estate affidavits in other states

Alabama · Alaska · Arizona · Arkansas · California · Colorado · Connecticut · Delaware · District of Columbia · Florida · Georgia · Hawaii · Idaho · Illinois · Indiana · Iowa · Kansas · Kentucky · Louisiana · Maine · Maryland · Massachusetts · Michigan · Minnesota · Mississippi · Missouri · Montana · Nebraska · Nevada · New Hampshire · New Jersey · New Mexico · New York · North Carolina · North Dakota · Ohio · Oklahoma · Oregon · Pennsylvania · Rhode Island · South Dakota · Tennessee · Texas · Utah · Vermont · Virginia · Washington · West Virginia · Wisconsin · Wyoming

Or compare them all in the 50-state table.

Frequently asked questions

What is the small estate limit in South Carolina?

$45,000 (probate estate after liens, raised from $25,000 on May 8, 2025). Only property that would otherwise go through probate counts, so accounts with a named beneficiary and jointly owned property with survivorship rights are left out.

Does South Carolina have a small estate affidavit?

Yes. If the probate estate is worth $45,000 or less after liens, a successor can collect personal property with a sworn affidavit once more than 30 days have passed. The probate judge must approve and countersign it before the bank pays.

How long do you have to wait in South Carolina?

Wait: more than 30 days after the death. The probate judge in the county where the person lived approves and countersigns it.

Can you transfer a house with the South Carolina small estate procedure?

No. The affidavit covers personal property.

Do I need a lawyer for a small estate in South Carolina?

Usually not, if the heirs agree and the debts can be paid. The court's self-help center or clerk can explain the form, but can't give legal advice. A lawyer is worth it when heirs disagree, there is real estate, or the debts are more than the assets.

Sources

  1. 1.S.C. Code § 62-3-1201 (probate form 420ES)ccprobate.charlestoncounty.org

This information is provided for educational purposes only and should not be considered legal or tax advice. Consult a qualified tax professional for guidance specific to your situation.