Local
Learn about the people, housing, costs and businesses in Folly Beach, South Carolina
Real local data across mortgage, insurance, natural hazard, and place.
Rates, calculators, and lender comparisons
FHA, VA, Conventional & Jumbo · Purchase & Refi rates in Folly Beach.
True all-in cost — P&I, taxes, insurance & utilities for homes in Folly Beach.
Find and compare lenders active near Folly Beach.
Homeowners, flood, and specialty coverage estimates
Flood, earthquake, and wildfire risk data
FEMA flood zones and flood insurance estimates for Folly Beach.
Seismic risk and earthquake insurance estimates for Folly Beach.
Wildfire exposure and insurance estimates for Folly Beach.
Cost of living, demographics, and community profile
As of today, the 30-year fixed mortgage rate for Folly Beach is approximately 6.773% (6.805% APR). Rates vary based on your credit score, loan type, down payment, and other factors. Safe Rate updates rates daily using live investor pricing.
View current rates for Folly BeachThe median home value in Folly Beach is $1.0M. The median monthly rent is $1,849. Annual property taxes average $3k. Home values are based on U.S. Census Bureau American Community Survey estimates.
Home values in Folly Beach have increased 23.2% over the past two years. This indicates a strong appreciation trend. This data is sourced from the Federal Housing Finance Agency (FHFA) House Price Index.
Based on a typical all-in ownership cost of $1,886/month (mortgage, taxes, insurance), you'd generally need a household income of approximately $81k/year to keep housing costs at or below 28% of gross income — a common lender guideline. The median household income in Folly Beach is $131k/year.
Calculate your buying powerThe largest employment sectors in Folly Beach are healthcare (25%) and arts, food, and hospitality (21%) of the local workforce. Industry data is sourced from the U.S. Census Bureau American Community Survey.