Property Vital Signs · Pulse
Prepared by Movement Charleston · Charleston Tri-County
← back to leaderboard
Property Vital Signs
3585 Pinehurst BlvdTC: 55PL: 33
Folly Beach · charleston · 29466
Press ⌘ + P to print this page as a buyer-facing PDF report.
Year-10 annual cost
vs Tri-County typical
Today
$6,022
per yr · 2026
Year 10
$11,437
per yr · 2036
10-yr cumulative
$93,059
all-in carrying cost
True-Cost composite · 55/100
top driver: Flood-zone exposure · 10-yr cost lift +90%
Flood
100
Insurance
1
Tax growth
60
Reassess
0
Utility
65
Foundation
85
HOA
25
Pre-Listing composite · 33/100predicted 180-365d
hazard ratio 1.70× · top driver: Peak-tenure window
Probate
0
Distress
0
Utility
0
Cosmetic permit
0
Insurance
0
Payoff
0
Tenure
49
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 | $4,119 | $53 | $1,850 | $6,022 | $3,812 |
| +1yr | $4,428 | $55 | $1,933 | $6,416 | $4,040 |
| +2yr | $4,760 | $57 | $2,020 | $6,837 | $4,282 |
| +3yr | $5,117 | $59 | $2,111 | $7,287 | $4,539 |
| +4yr | $5,500 | $61 | $2,206 | $7,767 | $4,813 |
| +5yr | $5,913 | $63 | $2,305 | $8,281 | $5,104 |
| +6yr | $6,356 | $65 | $2,409 | $8,831 | $5,415 |
| +7yr | $6,833 | $68 | $2,518 | $9,418 | $5,745 |
| +8yr | $7,346 | $70 | $2,631 | $10,046 | $6,096 |
| +9yr | $7,896 | $72 | $2,749 | $10,718 | $6,471 |
| +10yr | $8,489 | $75 | $2,873 | $11,437 | $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.