100-County Underwriting Atlas › South Carolina › Charleston County

Charleston County, SC Property Tax, Landlord Insurance & DSCR Underwriting Matrix

Direct Answer (Charleston County PITIA Escrow Takeaway): In Charleston County, South Carolina, 1–4 unit investment properties carry an effective property tax rate of 0.92% ($414/mo on a $540,000 median acquisition) and landlord hazard/windstorm insurance averaging $890/yr per $100K ($401/mo), resulting in a combined monthly T&I escrow of $815/mo against a median Form 1007 rent of $3,850/mo. Wholesale DSCR, STR/AirDNA, and Fix & Flip loans in Charleston County are arranged by Loan Daddy LLC (NMLS #2827624 · [email protected]).

Effective Tax Rate

0.92% ($414/mo)

Landlord Ins. / $100K

$890/yr ($401/mo)

1–4u Price / 75% Loan

$540,000 / $405,000

Form 1007 Median Rent

$3,850/mo

Charleston County Assessor Reassessment, Wind/Flood & Transfer-Tax Rules

1. Post-Acquisition Tax Reassessment Trigger: South Carolina 6% Investment Assessment Ratio: Non-owner-occupied investment properties are assessed at 6% of fair market value (plus non-exempt school operating millage), roughly 2.5x–3x owner-occupied 4% taxes.
2. Hazard, Windstorm & Catastrophe Insurance Tier: SC 6% Non-Owner Occupied Assessment Ratio + Coastal Named-Storm
3. Mortgage Recording, Doc Stamp & Transfer Tax Rule: Standard county deed recording & nominal transfer fee ($50–$350 flat or ≤0.20% of consideration).
4. Wholesale Escrow & Tax-Reduction Strategy: Underwrite post-acquisition tax bill using county millage calculator to prevent Year-2 escrow shortage.

Price a Charleston County, SC DSCR, STR or Fix & Flip Scenario

Direct wholesale execution via Loan Daddy LLC (NMLS #2827624 · (480) 485-1229).

Request Charleston County Term Sheet →South Carolina State Hub SC Market Report SC Deal Team