Property Vital Signs · Pulse
Prepared by Movement Charleston · Charleston Tri-County
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Property Vital Signs
1902 Cypress CtTC: 22PL: 21
Folly Beach · charleston · 29479
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Year-10 annual cost
vs Tri-County typical
Today
$7,301
per yr · 2026
Year 10
$14,062
per yr · 2036
10-yr cumulative
$113,738
all-in carrying cost
True-Cost composite · 22/100
top driver: Tax-step trajectory · 10-yr cost lift +93%
Flood
15
Insurance
0
Tax growth
50
Reassess
0
Utility
65
Foundation
25
HOA
25
Pre-Listing composite · 21/100predicted 180-365d
hazard ratio 1.30× · top driver: Subdivision FOMO
Probate
0
Distress
0
Utility
0
Cosmetic permit
0
Insurance
0
Payoff
0
Tenure
14
Tax jump
0
Title events
0
Comp sales
100
Hood velocity
10
10-year cost trajectory
insurance · property tax · cooling — annual, projected
Year-by-year breakdown
all values in 2026 dollars · projected at SC DOI / NOAA trends
| Year | Insurance | Property tax | Cooling | Annual total | vs Tri-County |
|---|---|---|---|---|---|
| Today | $5,381 | $69 | $1,850 | $7,301 | $3,812 |
| +1yr | $5,785 | $72 | $1,933 | $7,790 | $4,040 |
| +2yr | $6,219 | $74 | $2,020 | $8,313 | $4,282 |
| +3yr | $6,685 | $77 | $2,111 | $8,873 | $4,539 |
| +4yr | $7,187 | $80 | $2,206 | $9,472 | $4,813 |
| +5yr | $7,726 | $82 | $2,305 | $10,113 | $5,104 |
| +6yr | $8,305 | $85 | $2,409 | $10,799 | $5,415 |
| +7yr | $8,928 | $88 | $2,518 | $11,534 | $5,745 |
| +8yr | $9,597 | $91 | $2,631 | $12,320 | $6,096 |
| +9yr | $10,317 | $95 | $2,749 | $13,161 | $6,471 |
| +10yr | $11,091 | $98 | $2,873 | $14,062 | $6,870 |
Methodology. Insurance: SC DOI rate-filing baseline (~0.45% of property value), uplifted by per-ZIP NFIP claim density, growing 7.5% / yr. Property tax: assessor millage on assessed value, growing 3.5% / yr. Cooling: Charleston-area household baseline, growing 4.5% / yr at NOAA's SC cooling-degree-day trend. Estimates only — actual costs vary with carrier choice, mortgage escrow practices, and weather. Recomputed nightly. Data sources: FEMA OpenFEMA · SC Department of Insurance · NOAA Climate.gov · Tri-County assessors.