Habitat for Humanity of Horry County Homebuyer Program
Down-payment assistance · New construction · Income limit 80% of AMI
Single Family
See details Jul 2026
Down payment assistance · South Carolina
Buying a home in Horry County, SC
1 county-wide program, 1 city with their own, plus 11 statewide and 62 nationwide.Horry has 1 program that covers the whole county and 1 city with a program of their own. On top of those, 11 statewide and 62 nationwide programs are open here. Start with your city or ZIP to see which apply to the home you want.
Free · No credit pull · No SSN
Anywhere in HorryAnywhere in Horry County
1 program for every Horry address1 program that covers every Horry address
It is for first-time homebuyers and ask for a homebuyer class.This is run for the whole county, so a home in Myrtle Beach, Conway or Socastee can use it. It is for first-time homebuyers and ask for a homebuyer class.
AMI is HUD’s area median income for Horry, adjusted for household size. Each program publishes its own dollar limits.
Only inside city limits
1 city with their own program1 Horry city with their own program
For a home inside that city, on top of the county-wide 1.A city program is for a home inside that city. Buying there? It sits on top of the 1 county-wide program above.
The Horry marketThe Horry housing market
Kinds of homes hereWhat kinds of homes are here, and what the programs accept
Kinds of homes in Horry
- 53.4% single-familysingle-family
- 4.3% townhousetownhouse
- 4.1% 2–4 units2–4 units
- 25.1% 5+ unitscondo & apartment buildings (5+ units)
- 13% mobile & othermobile home & other
About condos. None of the 2 county or city programs here list condos as eligible.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Horry’s homes were built
pre-19401970s2020+
16%
of Horry 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.
$86,000
HUD area median income, 4 people (FY2026)HUD area median income, Horry County, 4-person household (FY2026)
$66,880
Median household income (ACS 2024 5-year)Median household income in Horry (Census ACS 2024 5-year)
77.3%
of occupied homes are owner-occupied (South Carolina: 71.9%)
The two income figures measure different things. HUD’s area median income is the one programs use. 12 of the 75 programs here set their income limit as a share of Horry County’s area median income, adjusted for household size. See the published limits for Horry County
Free help in HorryFree help in Horry
Free help from a HUD-approved housing counselorFree help from a HUD-approved housing counselor
2 programs here ask for a homebuyer class first. Create a free account to see who’s near you and pick one.All 2 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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10 cities and placesA to Z
All cities in Horry CountyAll 10 cities and places in Horry County
has a program of its own
Horry questions
Can I use a county program anywhere in Horry?
The 1 county-wide program cover homes anywhere in the county. City programs, like Myrtle Beach’s, are only for homes inside that city’s limits. Each agency sets its own rules, so confirm on the program’s official site.
Can I combine a county program with a city program?
Sometimes. Combining ("stacking") programs is set by each administering agency, and some do not allow a second program on the same home. Each program’s page links to the agency that can say.
What is the area median income in Horry County?
HUD publishes it once a year; the 2026 four-person figure is shown above. Programs set their limits as a share of it, adjusted for household size, and the published limits page lists each one.
Do Horry programs accept condos?
None of the 2 county or city programs here list condos as eligible. The agency confirms it for the home you choose.
Where can I take a homebuyer class in Horry?
HUD-approved housing counseling agencies teach homebuyer classes. Create a free account and take the 90-second match to see the ones near you.
Keep exploring
Sources
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), tables B01003, B25077, B25003, B25024, B25034, B25035, B19013. Income: HUD FY2026 income limits. Counselors: HUD list of approved housing counseling agencies. Hey Prescott is not a lender.