Buying or selling a home in Charleston comes with a lot of moving parts, and clients often have the same big questions when they first start the process. To make things easier, here are answers to frequently asked questions we get about Charleston real estate. From understanding local reports like the CL-100 to figuring out which neighborhoods might be the best fit for your family. If you have any specific questions, please fill out the form at the bottom, and we will get back to you as soon as possible!

Is Charleston South Carolina a Good Place to Live?

The short answer is yes! Charleston, South Carolina, is an excellent place to live, renowned for its rich history, stunning coastal scenery, and vibrant food scene that draws residents seeking a blend of Southern charm and modern amenities. With mild subtropical weather, beautiful beaches, and a thriving job market in tech, healthcare, and tourism, the city consistently ranks among the top U.S. places to live according to sources like U.S. News & World Report.

While the cost of living and housing can be higher than the national average, the welcoming community and year-round outdoor lifestyle make it a top choice for families, professionals, and retirees in the Lowcountry.

What is the Cost of Living in Charleston, SC?

The cost of living in Charleston, South Carolina, sits roughly 1-2% above the national average, driven primarily by elevated housing expenses, where average rents hover around $2,000 monthly and the median home is around $450,000. But this can fluctuate depending on which city you choose to live in around the metro because plenty are more affordable than Charleston itself and that will affect your personal cost of living. Groceries run about 5% higher than typical U.S. rates, utilities are 11-14% pricier due to coastal demands like hot and humid summers, and transportation costs remain lower, while healthcare stands out as 14-16% more affordable.

What are the Best Neighborhoods for First-Time Home Buyers?

Affordability is usually a first-time home buyers’ biggest concern, but there are some great cities with affordable neighborhoods. North Charleston, Summerville, Goose Creek, and Ladson all stand out as top suburbs for first-time home buyers in Charleston. Ladson is THE most affordable out of the bunch with North Charleston being a close second but the neighborhoods here vary from one to the next. That’s why working with an experienced Charleston Realtor on our team is so important.

Summerville and Goose Creek are great options for young families or military members. Both of these cities are located further north but are some of the best bang for your buck options in the Charleston metro.

What is a CL100 and Why do I Need One?

A CL-100, known as the South Carolina Wood Infestation Report, is a specialized inspection that checks for termites, wood-boring insects, fungi, and other related damage to homes, which is vital in Charleston’s humid coastal climate. Many different types of pests here thrive and can compromise important structures.

First-time home buyers need one because lenders require it to approve financing and to close the deal, protecting against costly hidden issues and ensuring the property’s integrity in the Lowcountry real estate market.

This report, valid for 30 days and conducted by licensed pest experts, provides peace of mind and negotiation leverage if repairs are needed.

How do Property Taxes Work in South Carolina?

In South Carolina, property taxes are based on the assessed value of your home, which is 4% of market value for a primary residence and 6% for secondary, rental, or investment properties. That assessed value is then multiplied by the local millage rate, which varies by county and municipality. In Charleston County, the effective property tax rate typically averages around 0.53% of market value, making it one of the lowest in the U.S. Homeowners aged 65 and older may also qualify for a Homestead Exemption, which reduces the taxable value by $50,000 on their primary residence. Property taxes are billed annually and are due by January 15 to avoid penalties.

What is the Median Home Price in Charleston, South Carolina?

As of late 2025, the median home price in Charleston sits around $430,000, reflecting a competitive coastal market that continues to appreciate thanks to strong demand, historic charm, and easy access to the beaches. While prices are higher than average for the region, the Lowcountry’s steady growth and long-term stability make Charleston an attractive place to invest and call home.

What are Financing Options for Purchasing in Charleston?

Financing options in Charleston include several state-backed programs such as SC Housing’s Homebuyer Program and the Palmetto Home Advantage, which offer fixed-rate FHA, VA, USDA, and conventional loans paired with forgivable down payment assistance up to 4% for qualified first-time buyers. In addition, local initiatives like the City of Charleston’s Homeownership Initiative provide up to $20,000 in down payment and closing cost assistance for income-eligible residents, helping make entry into the competitive Lowcountry market more attainable. Our team also works with a trusted network of local lenders who can help you explore the best financing options for your personal goals.

What are Property Taxes like in Charleston vs. Berkeley vs. Dorchester County?

In Charleston County, the median effective property tax rate for owner-occupied homes is about 0.50–0.55% of market value, thanks in part to the 4% assessment ratio for primary residences and certain reliefs (such as school property tax exemptions). Berkeley County’s rate is slightly higher, with a median effective rate around 0.55%, while Dorchester County’s median effective rate is about 0.84%, reflecting higher millage burdens despite the same basic assessment structure. Prospective buyers should use the county tax estimators available in the Lowcountry to calculate taxes for specific properties.

What are the Fastest-Growing Areas in the Charleston Metro?

Moncks Corner, North Charleston, and Goose Creek have emerged as some of the fastest-growing areas in the Charleston metro since COVID, fueled by new housing developments and their proximity to booming manufacturing and logistics hubs across the Lowcountry. Summerville continues to expand rapidly as well, thanks to large master-planned communities like Nexton and Cane Bay, which attract families seeking more affordable homes and convenient access to Charleston’s coastal lifestyle.

An honorable mention goes to Mount Pleasant, which has seen over 23% population growth between 2014 and 2024, though recent growth-management policies have intentionally slowed new development to preserve infrastructure and quality of life.

What is it like Living in Mount Pleasant?

Living in Mount Pleasant offers a vibrant coastal lifestyle with top-rated schools, family-friendly neighborhoods, easy access to Charleston’s historic downtown, and two of the most popular beaches called Isle of Palms and Sullivan’s Island. Its thriving economy, low crime rate, amenity-rich atmosphere, and upscale dining make it a desirable yet pricier suburb. It’s upscale aesthetic and cohesive design make it one of the most desirable cities around Charleston, if not the most desirable. But it’s one of the most expensive to live in terms of home prices, with a median sales price of $1.1 million dollars.

What are the Best Neighborhoods for Families in Charleston?

Mount Pleasant and James Island are among the best neighborhoods for families in Charleston, South Carolina, offering top-rated schools, safe communities, and abundant recreational spaces like parks and beaches, ideal for family-friendly Lowcountry living. Summerville in Dorchester County also stands out with its affordable homes, strong school districts, and family-oriented amenities such as Azalea Park, making it a top choice for raising kids near Charleston’s coastal attractions.

Which Cities Around Charleston are the Most Affordable?

In terms of home prices, the most affordable cities around Charleston are Ladson, Goose Creek, North Charleston, and Summerville. These areas offer a more budget-friendly entry point into the Charleston metro. Ladson and Goose Creek tend to have some of the lowest median home prices, with many newer construction options and easy access to Joint Base Charleston and I-26. Both of these areas offer shorter commutes, family-friendly neighborhoods, and are what I consider to be some of the best bang for your buck areas in the metro. North Charleston offers a wide range of housing styles and price points, from starter homes to revitalized historic neighborhoods, while Summerville combines affordability with top-rated schools and growing master-planned communities that make it one of the most desirable suburbs for families.

Is North Charleston a Safe Place to Live?

Like most large metro areas, North Charleston includes a mix of neighborhoods with varying crime statistics. Some communities have seen improvements in recent years, with citywide violent crime declining by around 10% year-over-year according to publicly available data. Prospective residents can review up-to-date information through sources like CrimeGrade.org, NeighborhoodScout, or the North Charleston Police Department’s online reports to better understand safety trends in specific neighborhoods.

What is Traffic Like in Charleston?

Charleston experiences moderate to heavy traffic, especially during weekday rush hours between 7–9 AM and 4–6 PM. According to recent traffic studies, drivers lose an average of 40 hours per year sitting in congestion. The heaviest slowdowns occur on I-26 heading during commuting hours and U.S. 17 toward Mount Pleasant. Occasional flooding and bridge maintenance projects can also add delays, particularly near downtown and coastal routes. Outside of rush hour, traffic generally flows smoothly across most of the metro. The reality is that living close to the coast creates pinch points and building new road infrastructure is expensive in swamps. But traffic here is still more mild than other major metros like Charlotte, Tampa, Atlanta, or Miami. For real-time updates, drivers can use the SC 511 app or 511sc.org to check congestion maps, detours, and closures before commuting or heading to the beaches.

What are the Pros and Cons of Living in Charleston South Carolina?

Charleston offers a rare blend of historic beauty, award-winning restaurants, and easy access to beaches, making it one of the most desirable cities in the Southeast. The job market is strong, with opportunities in aerospace, tech, healthcare, and the military, all fueling steady growth. There honestly isn’t another city like Charleston. It’s full of things to do and coastal lifestyle are why so many people love living here. On the flip side, housing costs have climbed and traffic congestion on I-26 and U.S. 17 can test your patience. Add in hot, humid summers and the occasional hurricane threat, and life in Charleston is best suited for those who love coastal living and don’t mind paying a little extra for the lifestyle.

Where are the Best Places to Find New Construction Homes?

In the Charleston metro, Summerville stands out as the top hub for new construction homes, offering over 100 active communities from builders like Lennar, Pulte, and DR Horton with amenities like parks, swimming pools, and golf courses. Moncks Corner is another great city to find newer construction homes, especially for the quality and cost. Johns Island is another honorable mention because development didn’t start taking off until the mid-2010s.

Mount Pleasant and Daniel Island provide premium options in family-friendly suburbs, featuring waterfront views and top-rated schools.

What is the Weather like in Charleston Year-Round?

Charleston enjoys a humid subtropical climate with mild winters, hot summers, and about 220 sunny days annually, making it ideal for beach goers and outdoor enthusiasts. This is arguably one of the top reasons people choose to move here. Below is a concise overview of the year-round weather based on 2025 climate data and local insights.

• Winter (Dec-Feb): Mild, with highs of 58-62°F and lows around 38-42°F; January is the coldest (~59°F avg.). Light rain (3-4 inches/month) and rare snow (0.1 inches avg.) keep it pleasant, though occasional cold snaps hit the 30s.
• Spring (Mar-May): Warm and blooming, with highs of 70-82°F and lows of 50-65°F. Rainfall increases (3-5 inches/month), especially in April, but sunny days dominate, perfect for festivals like Spoleto.
• Summer (Jun-Aug): Hot and humid, with highs of 88-92°F and lows near 75°F; heat index often exceeds 100°F. Frequent showers (6-8 inches/month) and thunderstorms occur, with June marking the start of hurricane season.
• Fall (Sep-Nov): Warm to mild, with highs of 75-85°F cooling to 60-70°F by November. Rainfall (4-6 inches/month) and hurricane risks peak in September, but October offers clear, comfortable days.

Key Notes: Charleston gets 48-50 inches of rain annually, above the U.S. average, with flooding risks during hurricanes (June-Nov). Locals praise fall and spring for outdoor activities like kayaking at Folly Beach, but summer humidity and bugs can deter some.

What is it like Living in Goose Creek?

Goose Creek, South Carolina is a family-oriented suburb of Charleston with just over 50,000 residents and offers a sparse suburban feel with affordable housing, low property taxes, and a strong job market tied to nearby military bases and manufacturing. Residents praise the safe, quiet neighborhoods like Crowfield Plantation and Liberty Hall for their abundant parks and fishing at spots at Goose Creek Reservoir. Goose Creek has a friendly small-town vibe and diverse community events.

However, the limited nightlife and growing traffic congestion and be frustrating. Overall, it’s ideal for budget-conscious families seeking Lowcountry access without urban hustle. It’s one of the best places you can live if you are in the Navy because of it’s close proximity to the Naval Weapons Station. Schools here vary, but with Berkeley County’s expanded school choice, you can enroll you kids in any school with open enrollment.

What Should I do to get my Charleston Home Ready to Sell?

To get your Charleston home ready to sell, focus on first impressions. Start with curb appeal! Pressure wash, add fresh mulch, and make sure your entryway stands out. Inside, declutter and depersonalize to help buyers picture themselves in the space, and consider minor updates like neutral paint or new fixtures to boost value. A pre-listing inspection can uncover small issues before they become deal breakers, and working with a local agent who understands Charleston’s market trends, pricing, and buyer expectations will help you position your home for a faster sale and stronger offers.

How do I use my VA Loan to Purchase a Home?

To use your VA Loan to purchase a home, start by confirming your Certificate of Eligibility (COE) through the VA or your lender to verify your entitlement. Then, connect with a VA-approved lender (we can help with this) to get pre-qualified and review loan limits, funding fees, and closing costs. Once you’re pre-approved, you can work with our real estate agents to find a home that meets VA property standards. Every situation is different, so it’s best to speak directly with your lender or financial advisor to understand how your benefits apply to your purchase.

Which Areas in Charleston have the Best Schools?

School quality can vary depending on grade level and personal priorities, but several areas around Charleston are known for having highly rated public and private schools. Families often explore Mount Pleasant, Daniel Island, James Island, and parts of Summerville primarily in the Dorchester School District 2 for their strong academic reputation and community involvement. To find the best fit for your needs, visit GreatSchools.org, Niche.com, or the South Carolina Department of Education’s report cards, where you can compare school ratings, test scores, and district performance across the Charleston metro.

Which Cities are the Best to live in for Military Members?

Many military members stationed at Joint Base Charleston choose to live in nearby communities that offer short commutes, affordable housing, and strong resale potential. Popular options include Goose Creek, Hanahan, Ladson, and North Charleston, all of which provide convenient access to the base and a variety of housing styles. Specifically for you navy members, Goose Creek and Hanahan are great options. Others prefer areas like Summerville or Mount Pleasant for additional amenities or schools. The right fit often depends on your budget, lifestyle, and desired commute time, so it’s best to explore several neighborhoods with your real estate agent to find what works best for your needs.

Is Charleston a Good Place to Invest in Real Estate?

Charleston continues to be a strong real estate market, driven by steady population growth, a thriving job sector, and high demand for coastal living. Investors are drawn to the area for its diverse housing options, short-term and long-term rental potential, and strong appreciation trends across the metro. As with any investment, returns can vary depending on timing, location, and property type. The main markets here are Isle of Palms for beach vacation rentals, Downtown Charleston, and the suburbs. I have multiple rental units throughout the Charleston metro so if you have any questions, don’t hesitate to reach out so we can discuss this in more depth.

What is it like Living in Summerville?

Living in Summerville South Carolina offers a blend of small-town charm and suburban convenience, with tree-lined streets, local shops, and easy access to Charleston via I-26. The area is known for its family-friendly neighborhoods, top-rated schools, and master-planned communities like Nexton and Cane Bay. Residents enjoy a slower pace of life while still being close to major employers, parks, and restaurants, making Summerville one of the most desirable places to call home in the Lowcountry.

These are just a few of the most common questions we hear from buyers and sellers in the Charleston area, but every situation is unique. If you’re thinking about making a move or simply want to learn more about a specific neighborhood, loan option, or the local market, our team is here to help. The form is located right after this paragraph. We look forward to hearing from you.