Total Cost Table · Charleston SC 55+

Charleston SC 55+ Communities — Total Monthly Cost Comparison

All 12 verified communities ranked by estimated total monthly carrying cost. HOA fees, county property taxes, insurance estimates, and lawn care where applicable. The honest side-by-side.

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Methodology

This table uses each community's midpoint price range for a representative home, the verified county effective property tax rate, current or estimated HOA fees, and insurance estimates. Lawn care is noted separately where it is an owner cost rather than HOA-included. All figures are estimates — verify current HOA amounts and your specific tax scenario before purchasing. 65+ senior homestead exemption ($50,000 FMV exempt) is applied for the 65+ columns.

All Communities — Monthly Cost Estimate

CommunityRep. PriceCountyHOA/moTax/mo (65+)Ins/moLawn/moTotal/mo
Hammock Walk at Nexton$305KBerkeleyTBD~$108~$100incl?~$208+HOA
Four Seasons Cane Bay$470KBerkeley~$288~$183~$160~$100~$731
Del Webb Cane Bay$480KBerkeley~$313~$183~$160~$100~$756
Cresswind Charleston$480KDorchester~$255~$240~$165incl.~$660
Del Webb Nexton$550KDorchester~$250~$279~$180~$100~$809
Horizons at Summers Corner$420KDorchester~$353~$207~$155verify~$715+lawn
Pines at Gahagan$340KDorchesterTBD~$168~$130~$100~$398+HOA
Carillon at The Ponds$360KDorchesterTBD~$173~$135~$100~$408+HOA
Latitude Margaritaville HH$380KJaspervaries~$120~$150varies~$270+HOA
Del Webb Point HopeTBDCharlestonTBDTBDTBDTBDActive Build
Encore at Carolina Park$650KCharleston~$365~$250~$200incl.~$815
The Elms of CharlestonresaleDorchesterTBDvariesvariesvariesTBD
How to read this table: "incl." in the lawn column means the HOA covers lawn care — do not add the ~$100/mo that owner-responsibility communities require. HOA listed as "TBD" means the community has not publicly published current fees or is an early-stage active build — contact sales or current owners directly. All figures are estimates; verify with current HOA documents and your county tax assessor before purchasing.
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Key Takeaways

Cresswind Charleston often appears as the best total value at its price point because the HOA includes lawn care, Dorchester County taxes are partially offset by this inclusion, and the community provides access to The Ponds YMCA and trails. Four Seasons and Del Webb Cane Bay benefit from Berkeley County's lower tax rate. Encore at Carolina Park's $815/month total is comparable to Del Webb Nexton despite a higher purchase price — but it delivers a Mount Pleasant address and 15-minute beach access.

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