South Carolina Reserve Study Requirements (2026)

We found no statewide reserve study mandate in South Carolina. The acts checked were the Horizontal Property Act (S.C. Code Title 27, chapter 31) and the South Carolina Homeowners Association Act (Title 27, chapter 30). Neither has a reserve study or reserve funding rule.

Last verified October 12, 2026 by ReservePath research.

Provided for convenience only. This is a summary, not legal advice, and it must not be used to make legal or compliance decisions. Laws change and details vary. Verify South Carolina's current requirements in the statute itself and with your association's attorney before you act.

South Carolina at a glance

Reserve study required No statewide requirement found
Applies to Not applicable
How often No interval set by statute
Site inspection required No statewide rule found

Who must have a reserve study

We found no reserve study requirement in the South Carolina Horizontal Property Act (S.C. Code Title 27, chapter 31) or the South Carolina Homeowners Association Act (Title 27, chapter 30). (see sources)

Site inspection

We found no statewide rule on this in the statutes listed under Sources.

Structural inspections

We found no statewide rule on this in the statutes listed under Sources.

Reserve funding

We found no statewide rule on this in the statutes listed under Sources.

Disclosure

We found no statewide rule on this in the statutes listed under Sources.

Who may prepare the study

We found no statewide rule on this in the statutes listed under Sources.

What this means for boards

  • With no statewide mandate confirmed here, check your governing documents and any lender requirements. They can require a study even where the statute does not.
  • A current reserve study is still the usual way to show the board planned for major repairs with care.
  • Keep the study, the board's funding decision and the reasons for it on record.
  • Ask your association's attorney how the rules apply to your community.

What this means for reserve preparers

  • Confirm which statute governs the association before you scope the work: condominium, planned community and cooperative acts often differ.
  • Match the study level and site visit to what the statute requires.
  • Cite the statute in the report so the board can see what the study satisfies.

How ReservePath handles South Carolina

ReservePath supports full studies, updates with a site visit and updates without one, 30-year funding projections, and study renewal reminders based on the cycle you set for each study. It includes in-app compliance guidance for each state as a starting point. The preparer and the association's attorney remain responsible for confirming what the law requires.

Frequently asked questions

Does South Carolina require a reserve study?

We found no reserve study requirement in the South Carolina Horizontal Property Act (S.C. Code Title 27, chapter 31) or the South Carolina Homeowners Association Act (Title 27, chapter 30).

Sources

Provided for convenience only. This is a summary, not legal advice, and it must not be used to make legal or compliance decisions. Laws change and details vary. Verify South Carolina's current requirements in the statute itself and with your association's attorney before you act.

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