Compare Hilton Head Island, SC mortgage rates and fees from top lenders. Review free, personalized mortgage rates based on your specifc loan amount, program and other factors. Easily compare APRs, closing costs and monthly payments to find the lowest mortgage rates in Hilton Head Island.
We recommend that you contact at least five lenders as shopping multiple lenders is the best way to save money on your mortgage in Hilton Head Island. Plus, shopping lenders is free and there is no obligation.
August 22, 2025
Below we provide helpful information on the real estate market, home prices and housing affordability in Hilton Head Island. Understand how much you need to earn to afford a home in Hilton Head Island, including the mortgage you need to qualify for. Review the monthy payment so you can determine if owning a house in Hilton Head Island fits your budget. This information is based on proprietary analysis you can only find on FREEandCLEAR and we offer it to help you decide if living in Hilton Head Island is right for you.
The median home value for Hilton Head Island, SC (Beaufort County) is $447,199
Based on current mortgage rates and a 10% down payment, you need to make $93,293 per year to buy the median priced home in Hilton Head Island
With this income, you could qualify for a $402,479 mortgage, assuming your monthly debt expense is reasonable
Based on this loan amount, the monthly mortgage payment required to buy the median priced home in Hilton Head Island is $2,161
The median household income for Hilton Head Island, SC (Beaufort County) is $71,530
Based on this income, you can afford a home valued at approximately $342,880
The home price you can afford to buy based on household income in Hilton Head Island is 77% of the median home value which means housing prices are very expensive. Hilton Head Island (Beaufort County) ranks 45 out of 46 counties in South Carolina and 3,032 out of 3,142 counties in the United States for housing affordability.
According to the FREEandCLEAR Housing Affordability Index, the housing market in Hilton Head Island, SC is very expensive
Mortgage limits affect your loan terms, mortgage program eligibility and what price home you can afford. Review the loan limits for Hilton Head Island (Beaufort County) below.
Conforming loan limits for Hilton Head Island, SC
FHA loan limits for Hilton Head Island, SC