Charleston Habitat for Humanity Homeownership Program
First mortgage · New construction · Income limits
Down payment assistance · Charleston County
Buying a home in Kiawah Island, SC
2 county programs and 11 statewide.Kiawah Island has no program of its own, 2 across Charleston 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 Kiawah Island
No program of Kiawah Island’s own yet
No program run for Kiawah Island alone is listed. A home in Kiawah Island can use Charleston County’s programs below, plus the South Carolina statewide and federal ones.
The closest city that runs its own program is Charleston, about 15 miles away. City programs usually require the home to be inside that city’s limits.
Anywhere in CharlestonAnywhere in Charleston County
2 county programs2 county programs a Kiawah Island homebuyer can use
1 more program is for homes in Charleston. See them 1 program in neighboring cities — for homes inside those cities, not Kiawah Island
- Charleston — City of Charleston Homeownership Initiative (HI) - First-Time Homebuyer Program
The Kiawah Island marketThe Kiawah Island housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in Kiawah Island
- 69.4% single-familysingle-family
- 3% townhousetownhouse
- 3.1% 2–4 units2–4 units
- 24% 5+ unitscondo & apartment buildings (5+ units)
- 0.5% mobile & othermobile home & other
About condos. None of Kiawah Island’s 2 local and county programs list condos as eligible. Charleston Habitat for Humanity Homeownership Program lists single family. Sea Island Habitat for Humanity Homeownership Program lists single family.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Kiawah Island’s homes were built
pre-19401970s2020+
20.4%
of Kiawah 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.
$117,500
County area median income, 4 people (HUD)HUD area median income, Charleston County, 4-person household (2026)
$213,594
Kiawah Island median household incomeMedian household income in Kiawah Island (Census, 2024)
11 of the 75 programs here set their income limit as a share of Charleston County’s area median income, adjusted for household size. See the published limits for Charleston County
Free help nearbyFree help near Kiawah Island
1 HUD-approved counseling agency within 15 miles1 HUD-approved housing counseling agency within 15 miles
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
Kiawah Island questions
Does Kiawah Island have its own down payment program?
No program run for Kiawah Island alone is listed. A home in Kiawah Island can use the 2 programs that cover Charleston County and the 11 statewide programs. Each program’s own site has the current terms.
Can I use assistance on a condo in Kiawah Island?
None of Kiawah Island’s 2 local and county programs list condos as eligible. Charleston Habitat for Humanity Homeownership Program lists single family. Sea Island Habitat for Humanity 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 Charleston County?
Each program sets its own. 11 of the programs here set theirs as a share of HUD’s area median income for Charleston 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 Kiawah Island?
HUD-approved housing counseling agencies teach homebuyer classes, and 1 agency is within 15 miles of Kiawah Island. Create a free account and take the 90-second match to see the ones near you.
Nearby in Charleston
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.