Thinking of Buying a Home in Savannah? Ask These 5 Smart Questions First

Savannah is one of the South’s most charming cities with historic squares, moss-draped oaks, and a vibrant coastal lifestyle that attracts buyers from across the country. But before you fall in love with a front porch in the Historic District or a serene waterfront view on Isle of Hope, it’s important to take a closer look.

Buying a home here comes with unique considerations such as flood zones and historic preservation rules. Asking the right questions early can save you time, money, and stress later.

Here are five smart questions every Savannah homebuyer should ask before making an offer.

1. Is the home in a flood zone or coastal high-risk area?

Savannah’s coastal setting adds to its beauty, but it also means some areas have a higher risk of flooding. Certain neighborhoods, including parts of downtown, Thunderbolt, and Tybee Island, are in FEMA-designated flood zones. If the home is in one of these areas, you may need additional flood insurance, which can impact your budget.

Pro tip: Always ask for the property’s flood zone designation and get an insurance quote before making an offer.

2. What are the real costs of owning this home beyond the mortgage?

Owning a home involves more than just your monthly mortgage payment. Property taxes in Chatham County vary depending on whether the home is inside the City of Savannah or in an unincorporated area. You’ll also want to consider homeowners insurance, potential HOA fees in communities like The Landings or Savannah Quarters, and ongoing maintenance costs. This is especially important if you’re buying a historic home that may require specialized care.

A good Realtor can help outline these expenses so you can budget accurately.

3. What is the condition of the major systems?

Savannah’s older homes often have beautiful architectural details, but they may also come with aging plumbing, wiring, roofs, or HVAC systems. Even newer homes in the humid coastal climate can have wear and tear over time.

Always ask about the age and condition of the roof, heating and cooling systems, and major infrastructure. Schedule a thorough home inspection to understand what repairs or updates may be needed.

4. Are there historic district or HOA restrictions I should know about?

If you are buying in the Historic District, be prepared for strict preservation guidelines that limit what changes you can make to the exterior. Planned communities often have HOA covenants that affect paint colors, landscaping, and even parking.

Knowing these rules before you buy will prevent any unwelcome surprises after you move in.

5. What is planned for the neighborhood in the next 5 to 10 years?

Savannah is a growing city with new developments like Eastern Wharf, port expansions, and infrastructure projects that are reshaping neighborhoods. These changes can affect property values and quality of life, sometimes positively and sometimes negatively.

Ask about upcoming zoning changes, commercial projects, or road improvements that could influence your investment.

Buying a Home in Savannah? Get Expert Guidance

Asking these questions is just the start. A knowledgeable local Realtor can help uncover details about a property you might otherwise miss, saving you money and future headaches.

Want the full checklist of 10 Hard-Hitting Questions Every Savannah Homebuyer Should Ask? Contact us today for your free guide and personalized buying consultation.