Property Vital Signs · Pulse
Prepared by Movement Charleston · Charleston Tri-County
← back to leaderboard
Property Vital Signs
1385 Sea Island StTC: 21PL: 37
North Charleston · charleston · 29444
Press ⌘ + P to print this page as a buyer-facing PDF report.
Year-10 annual cost
vs Tri-County typical
Today
$3,473
per yr · 2026
Year 10
$6,205
per yr · 2036
10-yr cumulative
$51,850
all-in carrying cost
True-Cost composite · 21/100
top driver: Utility rate pressure · 10-yr cost lift +79%
Flood
15
Insurance
0
Tax growth
26
Reassess
50
Utility
65
Foundation
25
HOA
25
Pre-Listing composite · 37/100predicted 180-365d
hazard ratio 1.87× · top driver: Peak-tenure window
Probate
0
Distress
0
Utility
0
Cosmetic permit
0
Insurance
0
Payoff
0
Tenure
84
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 | $1,602 | $21 | $1,850 | $3,473 | $3,812 |
| +1yr | $1,723 | $21 | $1,933 | $3,677 | $4,040 |
| +2yr | $1,852 | $22 | $2,020 | $3,894 | $4,282 |
| +3yr | $1,991 | $23 | $2,111 | $4,125 | $4,539 |
| +4yr | $2,140 | $24 | $2,206 | $4,370 | $4,813 |
| +5yr | $2,300 | $25 | $2,305 | $4,630 | $5,104 |
| +6yr | $2,473 | $25 | $2,409 | $4,908 | $5,415 |
| +7yr | $2,658 | $26 | $2,518 | $5,202 | $5,745 |
| +8yr | $2,858 | $27 | $2,631 | $5,516 | $6,096 |
| +9yr | $3,072 | $28 | $2,749 | $5,850 | $6,471 |
| +10yr | $3,303 | $29 | $2,873 | $6,205 | $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.