Buyer worksheet

Estimate total monthly cost without turning unknown fees into zero

Start with sourced recurring community charges, add your property-specific assumptions, and keep unresolved costs visible before you tour, compare, or sign.

How should I use this worksheet?

Use the worksheet to combine sourced recurring community charges with your own tax, insurance, utility, maintenance, and optional-cost assumptions. It is not a complete affordability estimate or financial advice. If a required charge is missing, keep the total marked incomplete until a current property-specific source confirms it.

Verification methodology

Local worksheet

Estimate monthly cost without hiding the unknowns

Choose a community, keep the sourced charges visible, then add your own property-specific assumptions. Nothing is submitted or saved.

Choose community

Sourced recurring community charges

Profile price signal: Mid $300,000s to mid $1,000,000s-plus resale and new-home market snapshot

HOA / POA field: The association publishes a 2026 Schedule of Fees and Community Rules on its resource center, but the PDF could not be retrieved in this session. Two independent real-estate market profiles report a base assessment of $2,688 per year ($224 per month) for the original Sun City section

Base (original section) POA assessment$2,688 per year ($224 per month), reported to cover lawn care where applicable, 24/7 security, two resident activity cards, roadway maintenance, and amenity accessOriginal/base Sun City Hilton Head lots, per two independent real-estate market profiles
$224 / mo equivalent

Known monthly community subtotal$224

Open profile sources

Your assumptions

Property taxesMonthly estimate for the specific home or parcel.InsuranceHome, condo, flood, wind, or other coverage estimate.Utilities and internetElectric, water, sewer, trash, internet, and similar costs.Owner maintenanceRepairs or upkeep not covered by the association.Optional membershipsOptional golf, club, activity, storage, or marina costs.Other monthly costAny recurring cost you want to test separately.

Stress-test increaseApplies to the worksheet total as a simple scenario, not a prediction.

Worksheet result

Known plus entered monthly estimate

Known community subtotal: $224
Your entered assumptions: $0
Baseline worksheet total: $224
10% stress-test scenario: $246

This is a worksheet, not a complete affordability estimate. Missing required costs should be resolved before relying on the total.

Still verify before deciding

HOA / POA amount may be incomplete or not property-specific.
CDD, district, tax-bill, or property-specific charges still need separate confirmation.
Mandatory or optional club and golf costs are not confirmed in the current profile.
Property taxes, insurance, utilities, maintenance, financing, and one-time purchase costs are buyer-entered assumptions.

Printable version

Take this worksheet on the tour

The PDF is free and requires nothing from you. It prints on one page and keeps unknown costs visible instead of letting them read as $0.

Download the PDF