Ashton Pointe Apartment Homes

100 Ashton Pointe Boulevard, Beaufort, SC 29906
Call: (877) 873-4774 Email UsAshtonPointe001@myLTSMail.com View Map

Opens: Monday-Friday: 9A-6P | Saturday: 10A-5P | Sunday: 1P - 5P

$963-$1233

Apartment Homes Beaufort SC Blog

How Much Income Does it Take to Buy a Home? – Apartments in Beaufort, SC

Joseph Coupal - Wednesday, September 07, 2016

How much does it cost to buy a home where you live? How about where you're thinking of moving for a new job or school or retirement?

We don't mean how high are the price tags on the homes -- we mean how much income do you need to be able to buy a home.

The conventional wisdom is that you should not spend more than 28% of your pay before taxes. That works out to 36% of your net income after paying taxes. But what does that mean in dollars?

It turns out that the annual salary needed nationally is $52,699, as of June 30, according to HSH.com, a mortgage and consumer loan information website.

And the income needed to buy a home in the most expensive U.S. metropolitan area is nearly five times the salary you need in the least expensive metro area.

This information can help millennials, whose careers can be just getting started and who can be flexible in terms of where they live and work, and can decide where to look for a college education and a job. It can help Gen Xers and baby boomers plot career moves and retirement plans.

It's particularly helpful to learn how much housing costs in easy-to-understand terms, such as how much salary you must earn to afford to buy a home, on average.

HSH's number crunching is based on second-quarter median home prices, minus 20% down payment, from the National Association of Realtors and HSH's average interest rate for 30-year fixed-rate mortgages.

It’s the base cost of owning a home. That includes principal, interest, taxes and insurance. It does not reflect ongoing costs for such things as maintenance. For more information on apartments in Beaufort, SC contact Ashton Pointe.

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investors.com


Non-Cost Reasons for Renting – Beaufort, SC

Joseph Coupal - Wednesday, August 31, 2016

Will you need to move in under 8 years?

Especially with today's higher down payments, it is anywhere from around 6 to 8 years before a home buyer can expect to get their money out of a home sale after the costs of sale. Those can be significant. If you're not sure about having to move being out of your control, buying may not be wise. It may be best to look for a one bedroom apartment in Beaufort, SC.

Are you just starting a new family?

This isn't a problem really unless you do like many first time buyers and get into a starter home that's fine for two of you. However, when children enter the picture within a few years, will you be pushed into upsizing and selling before you can recoup your costs, much less get any appreciation in equity?

Are you trading travel costs in this choice?

Many of today's best jobs are in technology, financial and medical sectors, and these companies tend to locate in large urban areas. Buying is usually much more costly close to the workplace. Moving farther out to buy affordably can result in hundreds of dollars in travel costs every month. In this scenario, looking for a one bedroom apartment may be a great choice.

The smart move is to consider every factor impacting your lifestyle, instead of just looking at a direct cost breakdown. Sometimes renting may be a good "now" decision that you can far more easily change later than taking the buy first approach.

For more information on renting an apartment in Beaufort, SC, contact Ashton Pointe Apartments.

#HowYouLive
Huffington Post


Rent or Own: Questions to Ask When Deciding– Beaufort, SC

Joseph Coupal - Wednesday, August 24, 2016

The American dream of owning a home is powerful and prevalent, but that dream doesn’t always make good sense in the light of day. When deciding whether to rent or buy, you’ll want to keep your eyes open and your feet on the ground so you can make decisions that are right for you and your family. Here are 6 things to keep in mind:

1. Crunch the numbers. Buying vs. renting isn’t solely about comparing costs, but that’s still a huge part of the process.

2. Know the market. If you don’t know the difference between a “buyer’s market” and a “seller’s market,” now’s the time to educate yourself. Is low inventory driving prices up and making buyers more competitive? Or is there a glut of homes for sale, giving buyers more leeway to cut deals? In either case, how is the rental market responding? Are home prices trending up or down (i.e., will the places you’re looking at likely be worth more or less in five or ten years)? You can’t predict the future, but you should look at current trends and make informed decisions based on what’s happening now.

3. Itemize your costs. The financial difference between renting and owning is much more than simply the upfront difference in price between paying rent vs. mortgage. Don’t forget to account for property taxes, homeowners insurance, HOA fees, maintenance, and repairs/renovations. (If the fridge stops working, you can’t just call your landlord; you will need either fix-it skills and a can-do attitude or money to hire a pro.)

4. Get real about job stability. One major consideration of the “to buy or not to buy” question is whether homeownership makes sense with your job. Can you count on maintaining at least the same level of income in the years you plan to own the home? Will your job allow you to stay in the same city or state for more than a few years at a time? Will you lose income if you choose to stay home with children? If your career is subject to change, don’t discount the benefit of renting a place that’s easy to leave if you need to relocate or reduce expenses on short notice.

5. Consider the kids. Many people decide to buy homes specifically to accommodate building a family. Questions to ask yourself include: Can you afford to live somewhere with schools that meet your needs? Is there room for not just your current family but also any family members that might join you in the future? If you will have to move in 5 years or less, buying may not be a good idea.

6. Search your heart. Do you even want to own a home? Or do you think it’s just what you should want? If owning a home and all that comes with it -- the good and the bad -- isn’t something you’re excited about, don’t sweep that feeling under the rug. Owning a home can be awesome, but it’s not for everyone. You do you.

For more information on renting apartments in Beaufort, SC, contact Ashton Pointe.

#HowYouLive
cafemom.com


5 Legit Reasons Renting Apartments in Beaufort, SC is Better than Buying

Joseph Coupal - Tuesday, August 16, 2016

There are those who think the idea of owning a home is ridiculous. Many are slowly warming to the idea.

Houses have roofs that leak, and heaters that break.

Counter argument: But renting is so expensive.

Response: Yes, but you pay for the luxury of not having to worry about those things.

And you know what? It turns out that’s right.

Many people don’t regret purchasing their home, but there are little incidentals that will blindside you if you’re used to living in an apartment.

Aside from that, owning a home is also a big lifestyle change. There are times when it does makes sense to rent instead of buying too. It’s actually a big commitment you shouldn’t take lightly.

So here are five big reasons why you should rent, not buy.

1. You want flexibility.

This is the go-to argument for renting vs. buying.

Even a 12-month lease is more flexible than a 30 year mortgage. If you plan on relocating in the near future (for work, for family, or just because), renting is the way to go.

Have to move on short notice? Many landlords will allow you to buy out of your lease or sublet if you need to break your lease agreement. In experience, this is much easier than trying to sell your house.

2. You aren’t responsible for maintenance.

If you aren’t that handy with a wrench, you can rest easy knowing that your landlord should take care of any repairs your rental property needs.

When you own a home, it becomes your responsibility to fix, replace, and pay for those repairs yourself. And you can bet that any DIY mishaps you make will mean calling in (and paying) a professional.

Does renting cost more? Sure.

But, “you pay for the luxury of not having to worry about those things.”

3. You have an irregular income.

Irregular incomes can be a huge deterrent for home ownership.

Although mortgage payments are as consistent as monthly rent, and in certain cities owning can be more affordable than renting, you don’t have to worry about property taxes or escrow payments as a renter. Apartment complexes often bundle utilities for you or have discounts on services like cable or internet.

Since you’re not responsible for maintenance or other upkeep, you’re less likely to drain your emergency fund on your apartment. This makes renting a surprisingly helpful strategy for saving money for other expenses.

4. You want to skip your commute.

Some are super lucky to have the ability to work from home, but some of you are still braving traffic every day.

If you are spending hours each day trapped in the car commuting to work, you could potentially save big by renting.

But how? Consider how much money you spend on gas each month, not to mention the time or strain on your vehicle.

If you work in an area with an apartment complex or rental homes nearby, consider moving closer to your office. The flexibility of renting (see number 1) will allow you to do this!

Beyond the savings in gas, it’ll drastically reduce the amount of time from work to your bed at the end of the day. Although you may miss out on the charms of suburban living, renting can also give you the opportunity to live in places you wouldn’t typically consider. You may find that you love city life!

5. You aren’t financially ready to buy.

If you’re hesitant about buying a home, you probably should rent. Homes are a huge financial responsibility and can end up costing even more if you aren’t prepared or don’t do your research. Think about it this way: the upfront costs alone of buying a home are usually tens of thousands of dollars.

Compare that to the upfront costs of renting, which typically include security deposits, pet deposits, and any move-in fees.

Both are expensive, sure, but home ownership is much more so on the front end.

Before you buy a home you typically need to have plenty of savings as well as a stable job and good credit. While you work on achieving these goals, renting can be a great option for you.

For more information on renting apartments in Beaufort, SC contact Ashton Pointe.

#HowYouLive
Elite Daily


Millennials Delay Committing to Buying a Home – Beaufort, SC

Joseph Coupal - Wednesday, August 10, 2016

Much has been written and discussed recently regarding millennials and their tendency to wait on the purchase of a home.

Some have blamed tighter lending conditions. Others have blamed a difficult job market, underemployment, and/or stubbornly low wages. Another theory is that, having seen the real estate crash of the late 2000s lay waste to lifetimes of hard work and financial discipline for so many, some millennials are gun-shy about making the jump into home ownership.

And yet another theory being offered by developers is that there has been a paradigm shift and that millennials are simply looking for something different out of life.

Billionaire real estate mogul Jeff Greene has been quoted as saying that “millennials are much more interested in experiences than things — they would rather climb a mountain than buy five extra pairs of jeans.”

Others say millennials are leading a “growing demand for more efficient, affordable living space that is close to numerous amenities.” Despite earning wages that aren’t keeping pace with rising rents, younger generations still “want to live in the middle of restaurants, bars and entertainment areas.” And to lead this type of lifestyle, they are willing to sacrifice space, and often, ownership. For now, they are supposedly choosing social time over the traditional American dream of owning a home.

Apartment complexes offer people the chance to enjoy a new building with the latest and greatest amenities, the convenience of downtown living, and the lifestyle flexibility resulting from substantially smaller rent payments.

Many of these millennials are, in fact, looking to rent instead of buy. However, our renter clients are usually looking to rent simply because they cannot buy. Whether it’s not having enough money for a down payment, insufficient credit or some other factor preventing them from getting a loan, our renter clients are usually renting because it’s their only option.

There are also a disproportionate number of millennials who could buy but that appear “afraid to pull the trigger” on buying a home. These millennials are active online, attempting to monitor the market as closely as they can from their computers and smartphones, often appearing to be somewhat frozen in inaction due to information overload. And they sometimes wind up staying in rentals partially due to a fear of making the wrong decision as they try to time a market that simply cannot be timed.

We know that millennials, generally speaking, aren’t marrying, having kids or buying homes. Human nature says that this will likely change at some point.

But until then, whatever the reason, the bottom line is that we are seeing a very real increase in demand for rentals. For more information on apartments in Beaufort, SC contact Ashton Pointe.

#HowYouLive
www.miamiherald.com


What are the Benefits of Downsizing to an Apartment in Beaufort, SC

Joseph Coupal - Monday, August 01, 2016

Have you noticed that there is a new push for simplifying the way we live?

Homeowners are realizing that “living large” doesn’t always mean bigger is better. In fact, there are many benefits to downsizing to a smaller home.

Whether the decision is voluntarily or you are forced to move for other reasons, rest assured there is a benefit to decreasing your home size.

If you love saving money, energy, resources and enjoy saving time on upkeep, these are just a few of the benefits of living a “cozy life”.

Save money on frivolous living
Let’s face it, the more space you have, the more you feel like you need to fill every corner.

One of the beauties of downsizing your home is the ability to stop wasting money on furniture, electronics, appliances and home items that are used to fill space rather than to fulfil a function.

Downsizing into a smaller home will you help you to prioritize your life and only bring what is necessary in your new home.

Save energy when downsizing to a smaller home

From heating and cooling costs to water use in your bathrooms and kitchens, it costs a lot to run a large home.

A smaller home will give you the added benefit of reducing your family’s carbon footprint. Meanwhile, you will enjoy a lower energy bill in the warmer and cooler months.

Enjoy the benefits of smaller living

Many homeowners agree that living in a larger home leads to greater stress.

There’s general cleaning, maintenance, furnishing, outdoor upkeep, energy costs and land tax — all of these factors can add stress.

Downsizing your home can be the first step to a minimal and streamlined life. You will be surprised how reducing your daily chores and maintenance will free up your time for leisure activities, spending time with your family, getting more rest, and maybe loving your home more than loathing it.

Downsizing can free up your lifestyle for travelling

From ensuring security systems doors and windows are properly monitored to monitoring exterior lighting and keeping your grounds up, travelling can often be a burden when you have a large home.

If you decide to downsize, travelling can be less of a hassle when you need to leave your home for extended periods of time, especially if you downsize to an apartment or condominium unit from a stand-alone house.

For many homeowners, downsizing their home can be a new chapter. It can represent a way to start a new life.

Consider opting for a smaller home that could have less upkeep, or look for a property with a homeowners’ association that can handle maintenance of the grounds and other amenities, leaving you with more spare time.

You can also view downsizing as an opportunity to get creative and make your new home look fabulous.

Wake up your interiors with creative organization. Bookshelves that are built in to what normally would be a bare wall can make any space into an instant library.

Vertical organization in a small closet can be enhanced with split areas for folded, hung and drawer wardrobe storage.

Downsizing your home will you get rid of the clutter and will help you organize only what is essential.

For more information on apartments in Beaufort, SC contact Ashton Pointe.

#HowYouLive
royalgazette.com


The 61st Beaufort Water Festival: What to Know - Beaufort, SC

Joseph Coupal - Tuesday, July 26, 2016

There are just a few days left to experience the fun of the 61st Beaufort Water Festival Henry C. Chambers Waterfront Park. The 10-day festival is a community tradition celebrating the best of Beaufort culture with food, family fun, water sports and live entertainment every day. if you haven't been yet, get there this week! Here are some essential things to know about the festival:

What’s different

  • The air show will go on. There will be a moment of silence to honor Connell.
  • After a three-year run at the Beaufort Waterfest, Dragonboat Beaufort will not be a part of the festival this year.
  • The water ski show is not on the schedule this year.

Who’s playing

Country music duo LOCASH, known for their single “I Love this Life,” will be headlining the 61st Beaufort Water Festival’s main concert event. Canaan Smith, an up-and-coming musician whose single “Love You Like that” topped country charts last summer, will be opening for LOCASH.

Gates open at 7 p.m. Tickets are $25.

Where to park and street closures

  • The festival provides a free shuttle service on Fridays and Saturdays from the Beaufort County Government Center to the Waterfront Park.
  • Parking lots behind Wells Fargo and BB&T banks downtown have parking for $10.
  • The First Citizens Bank parking lot on the corner of Bay and Charles streets serves as a handicap parking spot after business hours during the week and all day on the weekends.
  • Pay attention to parking signs to avoid getting towed. There is precedence for cars to be towed for illegal parking during the festival.
  • Street closures: Bay Street will be closed from Harrington to Charles streets for the bed race from 5 to 6 p.m. July 22. Boundary, Carteret and Bay streets will be closed from 10 a.m. to noon July 23 for the parade.

What to bring/what to leave

For the concert, you can bring lawn chairs and blankets and set them up in advance. The park will be closed for an hour before gates open for the show, according to the Beaufort Water Festival’s website. You can’t bring drinks, food, coolers or strollers into the park. You can purchase food and drinks at the facility, but you can’t leave with alcoholic drinks.

There is night and day for everyone, depending on what kind of music you like or if you have kids.

#HowYouLive

islandpacket.com


Smart Reasons Baby Boomers Should Rent – Beaufort, SC

Joseph Coupal - Wednesday, July 20, 2016

Sometimes it makes sense to sell the family homestead and rent.

You may have long pictured homeownership as a cornerstone of your retirement. But baby boomers are increasingly renting instead. From 2005 to 2015, the number of renters ages 60 to 64 nearly doubled.

Though the longer you live in a home the more likely it is that buying beats renting—if it is paid off, taxes and upkeep are probably lower than the rent you’d pay—there are times when renting is the way to go.

You’re restless

Want to buy a home in your favorite vacation spot? The idyllic weeks you’ve spent there may not give you a realistic sense of what life is like year-round. For example, 70°F winters might not be worth humid 90°F summers.

Trying out your new town by renting will save you money and headaches. Real estate can have huge transaction costs, like the typical 5% brokerage fee. You don’t want to pay it twice.

You want the extra cash

Selling the family home and investing some (or all) of the proceeds can help pad your savings—and provide peace of mind.

Yes, you could tap home equity via a reverse mortgage. But selling would supply more upfront cash. A 65-year-old with a $300,000 mortgage-free home could net $275,000 from a sale; a reverse mortgage would free up only $150,000. You’d have to tap some of your proceeds to rent a new place, but the extra long-term cost of renting might be worth the comfort of more cash on hand.

You want convenience

Sick of raking leaves? Don’t want to deal with peeling paint? Renting lets you off-load such chores. It’s not your problem anymore. A rental in a multiunit building can also include amenities you’ll value more as you age, such as an elevator and a doorman.

Rental property developers have started catering to older customers. The result: buildings that include a greater number of larger two- and three-bedroom units, as well as aging-friendly perks like door-to-door package delivery and trash pickup.

For more information on apartments in Beaufort, SC, contact Ashton Pointe.

#HowYouLive
Time – Money


Avoid Headaches When Apartment Hunting in Beaufort, SC

Joseph Coupal - Tuesday, July 12, 2016

Let’s be honest, moving is daunting. Finding a rental that is the right fit for your budget, lifestyle and commute can be incredibly time-consuming and stressful.

Here are some ways you can streamline the search process and find your ideal home:

Avoid summer moves: While work and life changes will probably dictate when you move, if you can avoid moving during the summer months, you’ll be doing yourself a big favor. Summer is considered peak renters season and can be a difficult time to find new accommodation as the market is saturated with renters and available units move quickly.

If you do need to move during the summer, be sure to start doing your research early. The sooner you start scoping out the market, the better chance you’ll have at grabbing the perfect place and a great deal.

Consider public transportation and parking: When researching neighborhoods, be sure to look into transportation options. Do you need public transportation to commute to work? If so, look into not only how far away a station is, but what area you’ll need to walk through to get to it. A property could be four blocks from a station on Google Maps, but that may involve crossing a major highway.

If you have a car, consider what parking zone the property is in. Is the property close to restaurants and bars, or parks and running trails? Which is more important to you? Is there a grocery store within walking distance? All of these questions will help you narrow down your ideal location.

Find out about apartment amenities: Every building offers varied amenities, so be sure to dig deep and see what’s available. Is it important to you that your new home has a gym, pool, lounge, roof deck, 24-hour concierge? Does the building allow pets? These little details add up and become vitally important when deciding on the right property for your lifestyle.

What to ask yourself: When contemplating your housing budget, always ask yourself these three questions: What do you expect to pay on average? What is the max rent you’re willing to pay for the perfect place? What can you honestly afford comfortably?

Be honest with these questions as the answers will better help you set realistic expectations.

Don’t settle for the first offer: Once you find a property that fits your needs and budget, don’t be afraid to negotiate. Most of the time, there is some wiggle room when it comes to lease negotiations. Negotiate within reason and remember, the worst thing that can happen is that the answer is “no.”

Be cautious of deals that sound too good to be true — they likely are — but enjoy the process.

At the end of the day, you want to find a place that feels like home and supports your lifestyle. Do your research, be diligent, and you’ll find your ideal home. For more information on apartments in Beaufort, SC contact Ashton Pointe.

#HowYouLive

The Washington Post


Reduce Housing Costs When You Retire - Beaufort, SC

Joseph Coupal - Wednesday, July 06, 2016

Housing is likely to be your biggest retirement expense. But there are a variety of ways to pay less for housing in retirement. Here are a couple of ideas of what you can do to bring down your housing costs after you retire.

Downsize. Once your children grow up, you no longer need multiple bedrooms or an expansive yard. And you may not want to take care of a large property that only one or two people use. Downsizing to an apartment in Beaufort, SC can add money to your nest egg and free up the time you would have spent mowing a large lawn and cleaning several stories of rooms. Downsizing could add money to your nest egg, even if you spend $50,000 on selling and moving costs and home improvements. After their kids move out, many retirees downsize their home, and then they put the surplus into an investment account so that it can start growing. This reduces their monthly living expenses, their utilities, their property taxes, and they’re really at a point in their life when they don’t want to maintain a larger home. You may also be able to generate some extra cash by selling off the furniture and appliances from your former home.

Relocate. Retirees don’t need to live in expensive cities that are close to their jobs or in high-cost suburbs with good school districts. You are finally free to live anywhere in the world that has the entertainment options and amenities you desire. You might choose to live near the beach or in a place where you can play golf every day, or you could relocate to a sleepy college town with a low cost of living. If you move to a place where housing costs significantly less than where you live now, you can use the extra cash to help pay for your retirement expenses.

Become a renter. Homeownership can be expensive and a lot of work, especially if you live in an older home in constant need of repairs. Becoming a renter in retirement frees up the equity in your home to use for living expenses, might allow you to relocate closer to the city center where you could walk to shops and local attractions and makes someone else responsible for the major upkeep of the property. To sell your home and then rent gives you a nice cash infusion.

For more information on 2 bedroom apartments in Beaufort, SC contact Ashton Pointe.

#HowYouLive
US News – Money



Ashton Pointe Apartment Homes

100 Ashton Pointe Boulevard, Beaufort, SC 29906

Call: 877-873-4774
Email UsAshtonPointe001@myLTSMail.com
View Map

Opens: Monday-Friday: 9A-6P | Saturday: 10A-5P | Sunday: CLOSED

$963-$1233