HOAs and Regimes in Charleston Real Estate: What’s the Difference & Why It MattersBy Brandon Bott — Charleston Realtor Since 2012
If you’re new to Charleston real estate, you’ll see two terms over and over:
HOA
Regime fee
They are not the same thing — and understanding the difference will help you make smarter decisions when buying.
1. What Is an HOA?
An HOA (Homeowners Association) typically:
Governs the neighborhood or community
Manages common areas: entrances, parks, amenities, signage, ponds, etc.
Has rules (covenants & restrictions)
Charges annual or quarterly dues
HOAs are common in:
Dunes West
Carolina Park
Park West
Rivertowne
Many Mount Pleasant and Charleston suburbs
2. What Is a Regime Fee?
A regime fee is more common with:
Condos
Townhomes
Certain planned communities
Regime fees usually cover:
Exterior building maintenance
Roof and sometimes siding
Landscaping
Common insurance for the building(s)
Sometimes water/sewer or trash
They are often monthly and separate from (or in addition to) an HOA.
3. Can a Property Have Both?
Yes.
It’s common to see:
A neighborhood HOA for the overall community
A regime for a specific townhome or condo section inside it
For example:
You might pay:
An annual HOA fee for the master community amenities
A monthly regime fee for your townhome’s exterior and shared spaces
4. Why This Matters for Buyers
You should understand:
Your total monthly obligation (mortgage + taxes + insurance + HOA + regime)
What is (and isn’t) covered
How healthy the HOA or regime’s finances are
A strong, well-run HOA or regime:
Protects property values
Maintains aesthetics
Manages long-term repairs and reserves
A weak one can cause headaches.
5. Questions to Ask Before You Buy
What exactly do the fees cover?
How often do they increase?
Are there any pending special assessments?
Can I see recent financials or meeting notes?
Are there rental restrictions? (important for investors)
Final Thoughts
HOAs and regimes aren’t “good or bad” — they’re tools. When well-managed, they protect your investment and simplify your life. The key is understanding how they work before you buy.
Call or text me at 843-754-9737.
