NY to SC — the tax math, the equity picture, and the Grand Strand communities that fit NY buyers
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Talk to a Specialist →New York State has a top income tax rate of 10.9% plus New York City surcharge for city residents. SC's top rate is 6.4% with retirement income deductions that often reduce effective rate below 4% for typical retirement income levels. NY buyers with pension and IRA income above $100,000 typically see meaningful state income tax savings on top of the large property tax advantage.
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NY buyers — particularly Long Island and Westchester — often have the highest equity in the feeder market. Del Webb Grande Dunes and Del Webb North Myrtle Beach are the most common landing spots. Cresswind appeals to buyers from NYC suburbs accustomed to walkable urban-adjacent environments.
File for SC primary residence tax exemptions within the year of purchase — do not wait until the following year. The 4% legal residence ratio (filed with the Horry County Assessor) and the 65+ homestead exemption (filed separately with the Horry County Auditor) must both be filed by December 31 of your purchase year. Missing either filing costs you $1,500–$3,000 or more in that tax year with no retroactive correction available.
Tell us your New York home value and target community — we will run the full tax comparison for your specific situation.
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