Relocation Guide

Relocating to Charleston, SC

Moving to the Lowcountry is exciting, and a little different from buying anywhere else. Here is what Nancy's relocation clients most often want to know before they arrive.

Getting Around

I-26 and I-526 connect most of the region, and the Ravenel Bridge links downtown with Mount Pleasant. Rush-hour bridge and interstate traffic can add real time to a commute, so tour neighborhoods at the hours you would actually drive. Charleston International Airport (CHS) is in North Charleston, central to most of the area.

Your First-Year Checklist

  1. Get pre-approved locally. A local lender understands flood insurance requirements and South Carolina closing timelines, which makes your offer stronger.
  2. Pick two or three areas to tour. Use the neighborhood guide to narrow it down by commute, schools and lifestyle.
  3. Check the flood zone and elevation. Ask for an elevation certificate and an insurance quote before you are under contract, not after.
  4. Tour remotely if you need to. Nancy offers live video tours so out-of-state buyers can see homes before they fly in.
  5. Understand property taxes. South Carolina taxes owner-occupied primary homes at a much lower assessment ratio (4%) than second homes and rentals (6%). File for the primary residence rate with your county after closing.
  6. Register your car and get an SC license. New residents generally need to do this soon after moving, and vehicle property tax is paid to the county.
  7. Get outside. Beaches, county parks, the farmers market in Marion Square and oyster roasts in the cooler months. Welcome to the Lowcountry.

Common Questions

Do I need flood insurance in Charleston?

If a home is in a FEMA Special Flood Hazard Area and you have a federally backed mortgage, your lender will require it. Many owners outside those zones buy it anyway. Get a quote early, because premiums vary widely from home to home.

When is hurricane season?

The Atlantic hurricane season runs June 1 to November 30. Homeowners policies here often carry a separate wind or named-storm deductible, so read that line carefully.

What is the weather like?

Mild winters, warm springs and falls, and hot, humid summers. Most locals say spring and fall are the best seasons.

Can I buy before I move?

Yes. Many of Nancy's clients buy from out of state using video tours, electronic signatures and a remote or mail-away closing coordinated by the closing attorney.

This guide is general information, not legal, tax or insurance advice. Confirm details with your county, lender and insurance agent.

Let’s Talk About Your Move

Questions about a neighborhood, a builder or what your home is worth? Nancy is happy to help, with no pressure and no obligation.

Contact NancyCall 843-718-4285