Forgivable loan
CommunityWorks Town of Bluffton Employer Assisted Homebuyer Program
First-time homebuyers · Income limits · Single Family
Down payment assistance · Beaufort County
Buying a home in Bluffton, SC
3 Bluffton programs, 1 county program and 11 statewide.Bluffton has 3 programs of its own, 1 more across Beaufort County, and 11 statewide. Here is what each one offers, what the local market looks like, and who near you can walk you through it.
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Only for Bluffton addresses
Bluffton’s own programs
First mortgage
Habitat for Humanity of the Lowcountry Homeownership Program
First-time homebuyers · New construction · Income limits · Single Family
Forgivable loan
Town of Bluffton Homebuyer Assistance Program
Income limits · Single-family detached, condominium, townhouse, PUD · manufactured home on permanent foundation per servicer overlays.
Anywhere in BeaufortAnywhere in Beaufort County
1 county program1 county program a Bluffton homebuyer can also use
1 more program is for homes in Beaufort. See them 1 program in neighboring cities — for homes inside those cities, not Bluffton
- Beaufort — City Of Beaufort Employer Assisted Housing Program
The Bluffton marketThe Bluffton housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in Bluffton
- 79.1% single-familysingle-family
- 10.7% townhousetownhouse
- 0.9% 2–4 units2–4 units
- 9.3% 5+ unitscondo & apartment buildings (5+ units)
- 0% mobile & othermobile home & other
Condos count. 2 of Bluffton’s 4 local and county programs accept condos. CommunityWorks Town of Bluffton Employer Assisted Homebuyer Program lists single family. Habitat for Humanity of the Lowcountry Homeownership Program lists single family.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Bluffton’s homes were built
pre-19401970s2020+
1.5%
of Bluffton homes were built before 1980. Pre-1978 homes come with a federal lead-paint disclosure.of homes were built before 1980. A home built before 1978 comes with a federal lead-paint disclosure, and some programs require an inspection.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25034.
$113,000
County area median income, 4 people (HUD)HUD area median income, Beaufort County, 4-person household (2026)
$111,281
Bluffton median household incomeMedian household income in Bluffton (Census, 2024)
13 of the 77 programs here set their income limit as a share of Beaufort County’s area median income, adjusted for household size. See the published limits for Beaufort County
Free help nearbyFree help near Bluffton
Free help from a HUD-approved housing counselorFree help from a HUD-approved housing counselor
4 programs here ask for a homebuyer class first. Create a free account to see who’s near you and pick one.All 4 local programs here ask for a homebuyer class. A HUD-approved counselor teaches it and can walk you through your options. Create a free account to see who’s near you and pick one.
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Across South Carolina and nationwide
73 statewide & federal programs11 statewide programs, plus federal options
Bluffton questions
Does Bluffton have its own down payment program?
Yes, 3: CommunityWorks Town of Bluffton Employer Assisted Homebuyer Program, Habitat for Humanity of the Lowcountry Homeownership Program and Town of Bluffton Homebuyer Assistance Program. Each is for homes inside Bluffton.
Can I use assistance on a condo in Bluffton?
2 of Bluffton’s 4 local and county programs accept condos. CommunityWorks Town of Bluffton Employer Assisted Homebuyer Program lists single family. Habitat for Humanity of the Lowcountry Homeownership Program lists single family. Each program’s page lists the kinds of homes it accepts, and the agency confirms it for the home you choose.
What is the income limit in Beaufort County?
Each program sets its own. 13 of the programs here set theirs as a share of HUD’s area median income for Beaufort County, adjusted for household size. HUD publishes the median each year; the 2026 figure is shown above and on the published limits page.
Where can I take a homebuyer class near Bluffton?
HUD-approved housing counseling agencies teach homebuyer classes. Create a free account and take the 90-second match to see the ones near you.
ZIP codes
29910
Nearby in Beaufort
Sources
Sources: agency sites (July–August 2026), Census ACS 2024 5-year, HUD FY2026, HUD counseling list. Hey Prescott is not a lender.Programs: Hey Prescott catalog of 2,000+ programs, each verified with its agency (July–August 2026). Market: U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Income: HUD FY2026 income limits. Counselors: HUD list of approved housing counseling agencies. Hey Prescott is not a lender.