Oceanfront vs Second-Row Living In Myrtle Beach

Trying to decide between oceanfront and second-row living in Myrtle Beach? You are not alone. Both offer coastal charm, but the differences in cost, upkeep, and everyday feel can be significant. In this guide, you will compare price, ongoing expenses, risk, lifestyle, rental potential, and resale so you can move forward with confidence. Let’s dive in.

Oceanfront vs second-row, at a glance

Oceanfront gives you immediate sand access, unobstructed views, and that premium coastal experience. You will likely pay more up front and over time for HOA dues, insurance, and maintenance. Second-row homes and condos typically cost less and can still be a short walk to the beach, with slightly quieter streets and easier parking.

Second-row properties can deliver much of the beach lifestyle at a lower total cost of ownership. Many still capture ocean views from elevated balconies or rooftop decks. The right choice depends on how you plan to use the property and your comfort with coastal upkeep.

Price and total cost of ownership

Purchase price premium

Oceanfront properties in Myrtle Beach usually sell at a premium because of direct access and views. The exact difference varies by property type, age, amenities, and market timing. To understand today’s gap, compare recent closed sales on a price per square foot basis for oceanfront versus adjacent second-row buildings over the past 12 to 24 months.

Monthly and annual costs

Ongoing costs tend to run higher on the oceanfront. Condo towers often have larger HOA dues that cover elevators, pool decks, exterior upkeep, and shared insurance pools. Wind and hail insurance is typically more expensive along the coast, and many lenders require separate flood coverage if a property sits in a Special Flood Hazard Area. Utilities and routine maintenance can also run higher because salt and wind accelerate wear on HVAC systems, paint, windows, and metal.

Property taxes in Horry County follow county rates, and assessed values may be higher for oceanfront parcels. For any specific address, check parcel tax history and budget based on that data. Always get wind and flood insurance quotes for the exact unit before finalizing an offer.

Financing and appraisal notes

Lending on oceanfront condos can be more restrictive. Lenders review condo association health, owner-occupancy rates, reserve levels, and any litigation. Appraisals often show higher per square foot values for oceanfront, but comps drive value, and storm events can influence recent sales. Ask your lender early about condo documentation and insurance requirements.

Lifestyle differences you will feel

Oceanfront living

You wake to waves and step straight onto the sand. The views and sea breeze are a daily highlight, and the “wow” factor is real. Expect more wind and surf noise and more foot traffic near public beach access points during peak seasons.

Second-row living

You still live near the sand, often within a short stroll, yet your street can feel calmer. You may find more shade, a neighborhood vibe, and easier access for parking and deliveries. Some second-row homes and condos offer elevated spaces with partial ocean views, which can deliver a similar feel at a lower price.

Match your use to the home

Define your primary use first. For full-time living or longer seasonal stays, the quieter feel and lower carrying costs of second row may fit your day-to-day needs. If your goal is a classic beach experience with instant sand access or a premium rental profile, oceanfront may be worth the premium.

Risk and maintenance in coastal settings

Storm and flood exposure

Oceanfront properties sit on the front line for wind, storm surge, and wave action. Second-row homes can also be in higher-risk flood zones depending on elevation and dune structure. Review FEMA Flood Insurance Rate Maps for flood zone determinations and request any available elevation certificate for the property you are considering.

Erosion and renourishment

Beach width and dune lines along the Grand Strand change over time. Myrtle Beach has periodic beach renourishment projects to preserve beach width and protect the shoreline, and these projects are not permanent. Understanding local renourishment history can help set expectations on long-term access and shoreline conditions.

Building maintenance realities

On the oceanfront, salt exposure accelerates corrosion on railings, balcony hardware, and exterior finishes. Roofs, windows, and mechanical systems may require more frequent repairs. Second-row properties still face salt and humidity but often with less direct exposure. For any older building, review reserve studies, exterior maintenance schedules, and records of recent capital projects or hurricane-related repairs.

Due diligence checklist

Use this short list to stay thorough:

• Confirm flood zone, request an elevation certificate if available, and price both wind and flood insurance.
• Order a home or condo inspection that includes exterior envelope, balconies and railings, structural elements, and mechanical systems.
• Ask for condo association documents: bylaws, reserve study, insurance declarations, meeting minutes, litigation disclosures, and any special assessments.
• Review building age, major repairs, and capital improvements like roof, windows, elevators, and concrete restoration.
• Ask about any known storm damage history and completed repairs for the building or home.

Renting your property: ROI and rules

Revenue potential and ROI

Oceanfront units typically command higher nightly rates and often higher peak-season occupancy. Second-row units may deliver competitive or better returns because of lower purchase price and operating costs. Your net ROI depends on acquisition cost, HOA dues, insurance, and how often you plan to use the home yourself.

Rules and restrictions

Short-term rental viability depends on local regulations and HOA rules. The City of Myrtle Beach and Horry County have licensing and tax requirements that you must follow. Many condo associations set their own rental policies, which can be more restrictive than city rules. Always verify current regulations and association rules before you buy.

Resale and long-term outlook

Oceanfront listings tend to attract strong attention in healthy markets, supported by their unique views and beach access. They can also be more sensitive to storm headlines and insurance cost shifts. Second-row properties often appeal to a broader buyer pool thanks to lower price points, which can help resale in certain cycles. Think about your exit strategy as part of your purchase decision.

How to choose with confidence

Start with how you plan to use the property, then compare total cost of ownership for a few specific addresses. Look closely at insurance quotes, HOA dues, and the building’s maintenance history. Finally, weigh daily lifestyle factors like street noise, parking, and access to the sand.

If you want a calm, personalized process, we can help. Our boutique approach combines MLS-driven tools, timely alerts, and practical neighborhood insight so you can compare real properties side by side and move quickly when the right one hits the market. Ready to tour oceanfront and second-row options and get clarity on the best fit for you? Connect with Jan and Dan Sitter | Coastal Beach Homes.

FAQs

What costs are higher for oceanfront properties in Myrtle Beach?

• You can expect higher HOA dues in many oceanfront condo towers, higher wind and hail insurance premiums, and more frequent maintenance from salt and wind exposure.

Do second-row homes still need flood insurance?

• It depends on the flood zone and lender requirements; many owners choose to carry flood insurance regardless of zone for added protection.

Are oceanfront condos easier to rent than second-row units?

• Oceanfront units often achieve higher nightly rates and strong peak-season demand, but overall ROI depends on your purchase price, fees, insurance, and rental rules.

How does beach renourishment affect property value?

• Renourishment helps preserve beach width and access, which is generally positive, but it requires recurring projects over time and is not a permanent solution.

What due diligence should I do before buying near the beach?

• Confirm flood zone and insurance costs, review condo documents and reserve studies, inspect structural and exterior elements, and check for past storm damage and repairs.