Safe Rate Local
Learn about the people, housing, costs and businesses in Hilton Head Island, South Carolina
Real local data across mortgage, insurance, natural hazard, and place.
FHA, VA, Conventional & Jumbo · Purchase & Refi rates in Hilton Head Island.
True all-in cost — P&I, taxes, insurance & utilities for homes in Hilton Head Island.
Find and compare lenders active near Hilton Head Island.
FEMA flood zones and flood insurance estimates for Hilton Head Island.
Seismic risk and earthquake insurance estimates for Hilton Head Island.
Wildfire exposure and insurance estimates for Hilton Head Island.
As of today, the 30-year fixed mortgage rate for Hilton Head Island is approximately 6.792% (6.831% APR). Rates vary based on your credit score, loan type, down payment, and other factors. Safe Rate updates rates daily using live investor pricing.
View current rates for Hilton Head IslandThe median home value in Hilton Head Island is $688k. The median monthly rent is $1,840. Annual property taxes average $3k. Home values are based on U.S. Census Bureau American Community Survey estimates.
Home values in Hilton Head Island have increased 19.4% over the past two years. This indicates a strong appreciation trend. This data is sourced from the Federal Housing Finance Agency (FHFA) House Price Index.
Based on a typical all-in ownership cost of $1,639/month (mortgage, taxes, insurance), you'd generally need a household income of approximately $70k/year to keep housing costs at or below 28% of gross income — a common lender guideline. The median household income in Hilton Head Island is $95k/year.
Calculate your buying powerThe largest employment sectors in Hilton Head Island are healthcare (16%) and public administration (16%) of the local workforce. Industry data is sourced from the U.S. Census Bureau American Community Survey.