Property Vital Signs · Pulse
Prepared by Movement Charleston · Charleston Tri-County
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Property Vital Signs
2653 Harbor PlTC: 23PL: 31
Downtown Charleston · charleston · 29476
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Year-10 annual cost
vs Tri-County typical
Today
$6,561
per yr · 2026
Year 10
$12,543
per yr · 2036
10-yr cumulative
$101,778
all-in carrying cost
True-Cost composite · 23/100
top driver: Utility rate pressure · 10-yr cost lift +91%
Flood
15
Insurance
0
Tax growth
28
Reassess
86
Utility
65
Foundation
25
HOA
25
Pre-Listing composite · 31/100predicted 180-365d
hazard ratio 1.62× · top driver: Subdivision FOMO
Probate
0
Distress
0
Utility
0
Cosmetic permit
0
Insurance
0
Payoff
0
Tenure
32
Tax jump
0
Title events
0
Comp sales
100
Hood velocity
16
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 | $4,651 | $60 | $1,850 | $6,561 | $3,812 |
| +1yr | $5,000 | $62 | $1,933 | $6,995 | $4,040 |
| +2yr | $5,375 | $64 | $2,020 | $7,459 | $4,282 |
| +3yr | $5,778 | $66 | $2,111 | $7,956 | $4,539 |
| +4yr | $6,211 | $69 | $2,206 | $8,486 | $4,813 |
| +5yr | $6,677 | $71 | $2,305 | $9,054 | $5,104 |
| +6yr | $7,178 | $74 | $2,409 | $9,661 | $5,415 |
| +7yr | $7,716 | $76 | $2,518 | $10,310 | $5,745 |
| +8yr | $8,295 | $79 | $2,631 | $11,005 | $6,096 |
| +9yr | $8,917 | $82 | $2,749 | $11,748 | $6,471 |
| +10yr | $9,586 | $85 | $2,873 | $12,543 | $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.