Hilton Head Island, SC home prices
Typical home $521,588 · +0.7% in a year · income needed $140,400
The Hilton Head Island, SC metro area ranks 65 of 894 U.S. metros for home values (U.S. typical home: $366,157). Prices changed +0.7% in a year and +32.7% over five years. With 20% down at 7.11%, the typical home costs about $3,275 a month including 0.48% property tax (Beaufort County rate).
Mortgage on the typical Hilton Head Island home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $104,318 | $417,271 | $2,807 | $0 | $468 | $3,275 | $140,400 |
| 10% down | $52,159 | $469,430 | $3,158 | $196 | $468 | $3,822 | $163,800 |
| 5% down | $26,079 | $495,509 | $3,333 | $206 | $468 | $4,008 | $171,800 |
| 3.5% down (FHA) | $18,256 | $512,141 | $3,445 | $231 | $468 | $4,144 | $177,600 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.48% of the home value a year, homeowners insurance of 0.6% a year, PMI of 0.5% of the loan a year when the down payment is under 20%, and FHA mortgage insurance of 0.55% a year plus a 1.75% upfront premium added to the loan. Your rate, taxes and insurance will differ.
Counties in the Hilton Head Island area
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Beaufort County, SC | $552,182 | +1.6% | 0.48% |
| Jasper County, SC | $403,389 | -3.9% | 0.57% |
What can you afford in South Carolina on your salary? · South Carolina home prices · Salaries in South Carolina
Frequently asked questions
How much is a house in Hilton Head Island?
The typical home in the Hilton Head Island, SC metro area is worth $521,588 (Zillow, September 2026).
What salary do you need to buy a house in Hilton Head Island?
About $140,400 a year for the typical home with 20% down at 7.11%.