Beaufort Memorial Employer Assisted Housing Program
Forgivable loan · Forgiven over 5 yrs · Income limits
Down payment assistance · Beaufort County
Buying a home in Hilton Head Island, SC
2 county programs and 11 statewide.Hilton Head Island has no program of its own, 2 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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What’s local to Hilton Head Island
No program of Hilton Head Island’s own yet
No program run for Hilton Head Island alone is listed. A home in Hilton Head Island can use Beaufort County’s programs below, plus the South Carolina statewide and federal ones.
The closest city that runs its own program is Bluffton, about 8 miles away. City programs usually require the home to be inside that city’s limits.
Anywhere in BeaufortAnywhere in Beaufort County
2 county programs2 county programs a Hilton Head Island homebuyer can use
3 more programs are for homes in Bluffton and Beaufort. See them 3 programs in neighboring cities — for homes inside those cities, not Hilton Head Island
The Hilton Head Island marketThe Hilton Head Island housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in Hilton Head Island
- 47.3% single-familysingle-family
- 6.2% townhousetownhouse
- 7.5% 2–4 units2–4 units
- 33.8% 5+ unitscondo & apartment buildings (5+ units)
- 5.2% mobile & othermobile home & other
Condos count. 1 of Hilton Head Island’s 2 local and county programs accept condos. 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 Hilton Head Island’s homes were built
pre-19401970s2020+
23.6%
of Hilton Head Island 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)
$94,657
Hilton Head Island median household incomeMedian household income in Hilton Head Island (Census, 2024)
12 of the 75 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 Hilton Head Island
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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Across South Carolina and nationwide
73 statewide & federal programs11 statewide programs, plus federal options
Hilton Head Island questions
Does Hilton Head Island have its own down payment program?
No program run for Hilton Head Island alone is listed. A home in Hilton Head Island can use the 2 programs that cover Beaufort County and the 11 statewide programs. Each program’s own site has the current terms.
Can I use assistance on a condo in Hilton Head Island?
1 of Hilton Head Island’s 2 local and county programs accept condos. 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. 12 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 Hilton Head Island?
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
29925 · 29926 · 29928 · 29938
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.