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7 Key Tips for Buying a Beach House in Myrtle Beach


Small beach towns have a certain quality and charm about them that no other areas can compete with. Between the attractions, the locals, the shops, and the beach, most people find it hard to leave.

Myrtle Beach is no exception to the rule. It offers some of the most attractive and affordable real estate on or near the beach.  The cost of living there is also low and keeping costs down is one of the most important tips for buying a beach house anyone will give you.

Myrtle Beach is full of things to do. Sure, you have the fun touristy things to do like visiting national parks, historical sites, and wildlife refuges, but there are also plenty of areas that remain secluded from larger crowds and tourists.

Myrtle Beach is the epitome of small beach town living! If you’re interested in buying a house there, check out these seven tips!

Tips for Buying a Beach House

Beach homes often come with a hefty price tag, but for good reason. Nice beach homes are sought after both as personal residences and as real estate opportunities.

However, owning the perfect beach home isn’t as simple as picking any old house on the beach. There are a lot of factors to consider, some of which few people ever think about.

In this article, we will look at these important factors and offer you some tips for buying a beach house. We want you to be 100% sure about your investment so you can get the house of your dreams and live with no regrets!

1. Know What You’re Approved For

Foremost, assuming you aren’t paying cash for a home on the beach, you need to know what you can afford.

This is an often overlooked aspect of buying a home. People do some rough calculations and assume they will be approved for a certain amount. However, you won’t be certain until you get pre-approved.

The last thing you want to do is find the perfect home and find out you’re not qualified for it. Get pre-approved for a mortgage amount. Even if you don’t end up using that lender, you’ll have a baseline figure.

We also recommend not maxing out your limit, as you never know what other surprises may come up! You also never want to be in a tight position.

2. Get to Know the Local Area

Next, before you get too committed to a house, make sure you enjoy the local area. This is one of the most important tips for buying a beach house. A perfect house is nothing if you hate the town or neighborhood it’s in.


Not all stretches of beach are created equally. Make sure the beach property is on an appealing segment of the beach. This also means knowing what that beach looks like all year round.

For example, do you know the difference between Myrtle Beach and North Myrtle Beach? If not, check out this helpful article for more information.

Finally, you need to know if living in that area will create any hardship for you. How easy will it be to get groceries? What is the likelihood of flooding, hurricanes, etc.?

These are all important questions to ask before buying a beach house.

3. Get a Comprehensive Inspection

Whether it’s a regular home or a beach house, you must get a proper inspection done before signing any papers. You never know what can be hiding behind closed doors, nor how well the previous owner maintained the house.

Beach homes especially are known for being susceptible to moisture. Because of the high water table and humidity, water damage isn’t an uncommon to find in beach houses.

Make sure you hire an inspector who is competent and thorough. Hidden water and moisture can lead to severe property damage and harmful mold growth.

4. Hire a Competent Agent

Just as important as a competent inspector is an experienced realtor. You’re putting your entire future in a real estate agent’s hands. Don’t feel bad about being picky here!

A good agent can save you money, negotiate contracts, and find you exactly what you’re looking for. Don’t settle for a realtor who is content to show you homes outside of your specifications or becomes impatient with you for wanting to see other properties.

When thinking about these tips for buying a beach house, remember that beach homes are big investments; you shouldn’t rush or compromise.

5. Consider Insurance Costs

Next, it’s important to appreciate your insurance necessities and costs with owning a beach home.

Because beach houses are potentially at risk of flooding or being hit by hurricanes, expect insurance to be a little higher than the average house. A beach house property is much more valuable than traditional properties.


Finally, realize that renting out your beach house requires a different insurance policy as well because you’re now using it as a commercial property.

6. Know What Happens During the Off-Season

An often-overlooked aspect of owning a beach house in a small beach town is what the town is like during the off-season.

Many small beach towns become slow, even depressing outside of the summer months. Tourism slows down, the beach isn’t as fun when it’s cold outside, and shops go dormant.

One of the most useful tips for buying a beach house is knowing what the town is like once summer disappears. Will you still be happy there outside of the tourist season when everything is thriving and busy?

7. Be Aware of All the Costs

Finally, one of the more practical tips for buying a beach house is being aware of all the costs. Sure, you’ve budgeted for an $800,000 beachfront property, but does that include taxes, insurance, HOA fees, and maintenance?

Make sure you know about every fee and cost that may arise during and after the purchase agreement. Don’t forget about closing costs and realtor fees!

Are You Ready?

Now that you know all of our tips for buying a beach house, are you ready to invest? Myrtle Beach is such a beautiful and friendly small beach town it’s hard to think of reasons not to buy a permanent location there!

However, if you’re still weighing the pros and cons, look at the rest of our blog for more property talk!

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