Waterfront vs Non-Waterfront Homes in Mount Pleasant: Is the Premium Worth It?By Brandon Bott — Mount Pleasant Realtor Since 2012
Mount Pleasant has some of the most desirable waterfront properties in the Southeast — but they come with a serious price tag. Buyers often ask:
“Is it really worth paying the premium for water or marsh?”
The answer: It depends on your lifestyle, budget, and long-term goals.
Here’s the full breakdown.
What Counts as “Waterfront” in Mount Pleasant?
In our market, there are multiple “tiers” of water:
Deep Water – Direct access to navigable rivers/creeks with boats at your dock.
Tidal Creek – Water fluctuates with the tide; some boat access depending on depth.
Marshfront – No dock, but expansive marsh and water views.
Pond / Lagoon Front – Neighborhood water features, not for boating to the river.
Each level has its own pricing, insurance, and lifestyle implications.
Pros of Waterfront Living
1. Unmatched Views & Sunsets
Water and marsh views bring:
Daily sunsets
Wildlife
A constant “Lowcountry postcard” backdrop
This is why buyers pay such a premium.
2. Lifestyle & Boating Access (Deep Water / Tidal Creek)
If you love:
Boating
Fishing
Paddleboarding
Dock life
…deep water and certain tidal creek properties are life-changing.
3. Stronger Long-Term Appreciation
Scarcity drives value. There are only so many true waterfront lots in Mount Pleasant — especially in gated communities like Dunes West.
Cons (or Considerations) of Waterfront
1. Much Higher Price Point
You’re paying a lot for the lot.
Same house, different lot → drastically different pricing.
2. Insurance Costs
Depending on elevation and exact location:
Flood insurance may be required
Wind/hail premiums may be higher
A good agent + insurance pro can give you clarity before you buy.
3. Maintenance & Exposure
Waterfront homes often face:
More sun exposure
More wind
Higher wear on exterior materials
Regular maintenance becomes more important.
Pros of Non-Waterfront Homes
1. Lower Entry Cost
You can still get:
Great neighborhoods
Amenities
Strong school zones
…for much less than prime waterfront.
2. More Options
There are more non-waterfront homes available, which means:
More choices
More flexibility on layout and style
Greater negotiating range
3. Lower Insurance in Many Cases
Especially if you’re in an X flood zone, where flood insurance isn’t required.
Who Should Pay for Waterfront — and Who Probably Shouldn’t?
Waterfront makes sense if:
You’re passionate about boating or water
You’re already in a strong financial position
You plan to hold the property long-term
You value lifestyle as much as numbers
Non-waterfront often makes more sense if:
You’re trying to maximize square footage for the money
Schools, commute, and amenities matter more than views
You’re planning to upgrade in 5–7 years
Final Thoughts
Waterfront in Mount Pleasant is a lifestyle decision first, financial decision second. For many, it’s absolutely worth it. For others, the smarter move is a great home in a great neighborhood — with a short drive to the water.
Call or text me at 843-754-9737.
