Property Vital Signs · Pulse
Prepared by Movement Charleston · Charleston Tri-County
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Property Vital Signs
3926 Captain BlvdTC: 23PL: 35
Sullivan's Island · charleston · 29430
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Year-10 annual cost
vs Tri-County typical
Today
$15,397
per yr · 2026
Year 10
$30,681
per yr · 2036
10-yr cumulative
$244,646
all-in carrying cost
True-Cost composite · 23/100
top driver: Utility rate pressure · 10-yr cost lift +99%
Flood
15
Insurance
0
Tax growth
31
Reassess
95
Utility
65
Foundation
10
HOA
25
Pre-Listing composite · 35/100predicted 180-365d
hazard ratio 1.79× · top driver: Peak-tenure window
Probate
0
Distress
0
Utility
0
Cosmetic permit
0
Insurance
0
Payoff
0
Tenure
68
Tax jump
0
Title events
0
Comp sales
100
Hood velocity
15
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 | $13,374 | $172 | $1,850 | $15,397 | $3,812 |
| +1yr | $14,378 | $178 | $1,933 | $16,489 | $4,040 |
| +2yr | $15,456 | $185 | $2,020 | $17,661 | $4,282 |
| +3yr | $16,615 | $191 | $2,111 | $18,917 | $4,539 |
| +4yr | $17,861 | $198 | $2,206 | $20,265 | $4,813 |
| +5yr | $19,201 | $205 | $2,305 | $21,711 | $5,104 |
| +6yr | $20,641 | $212 | $2,409 | $23,262 | $5,415 |
| +7yr | $22,189 | $219 | $2,518 | $24,926 | $5,745 |
| +8yr | $23,853 | $227 | $2,631 | $26,711 | $6,096 |
| +9yr | $25,642 | $235 | $2,749 | $28,626 | $6,471 |
| +10yr | $27,565 | $243 | $2,873 | $30,681 | $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.