What’s the Cost of Living in Hilton Head, SC?

Dreaming of life by the sea? Hilton Head, South Carolina, is famous for its pristine beaches, golf courses, and easygoing coastal lifestyle. But before trading city life for palm trees and ocean breezes, it’s important to understand the Hilton Head cost of living—from housing and groceries to healthcare and everyday expenses.

Below, we break down what to expect when living on this beautiful Lowcountry island—and why so many people say the Hilton Head, SC cost of living is worth every penny.

As one of the most desirable coastal destinations in the Southeast, Hilton Head’s housing market reflects its resort appeal and strong long-term value. Prices vary depending on location—whether near the beach, golf course, or shopping—but homeownership remains an attainable dream compared to similar island markets.

• Median Home Price: $600,000–$700,000 (higher for waterfront and golf course communities)

• Average Rent: $1,800–$2,500 for a two-bedroom apartment or condo

• Property Taxes: Lower than the national average, especially for full-time residents

If you’re exploring Hilton Head homes for sale, Dream Finders Homes offers stunning new communities across the region, including River Oaks in Okatie, Magnolia Park in Hardeeville, and Bailey’s Cove on Hilton Head Island. Each community combines modern craftsmanship with timeless Lowcountry charm—placing you close to beaches, golf, dining, and everything that makes Hilton Head special.

Utility costs on Hilton Head Island are generally in line with national averages, with slight increases in summer when air conditioning use rises.

• Electricity: $150–$200/month

• Water & Sewer: $50–$100/month

• Internet: Around $70/month

• Waste & Recycling: Often included in HOA or community fees

Many new Hilton Head homes for sale feature energy-efficient designs that help reduce monthly costs and enhance year-round comfort.

Grocery prices on the island can be slightly above average, reflecting its resort setting, but nearby mainland stores provide additional options for savings.

• Grocery Index: About 5–10% higher than the national average

• Casual Dining: $15–$25 per person

• Fine Dining: $40–$75 per person

Food lovers will find plenty to enjoy here—from fresh-caught seafood at waterfront cafés to upscale coastal dining. The culinary scene perfectly complements the relaxed rhythm of coastal living in Hilton Head.

Getting around Hilton Head is part of the charm. Many residents prefer to bike, walk, or even use golf carts to explore the island’s pathways and neighborhoods.

• Gas Prices: Slightly above the South Carolina average

• Car Insurance: $1,300–$1,600 annually

• Public Transit: Limited, but options for seniors and seasonal visitors are expanding

Dream Finders Homes’ communities offer easy access to major highways and nearby conveniences, making travel simple whether you’re heading to Savannah, Bluffton, or Beaufort.

Healthcare on Hilton Head Island is highly rated, supported by facilities such as Hilton Head Hospital and Beaufort Memorial Hospital. The region also emphasizes active, healthy living with abundant recreation opportunities.

• Healthcare Index: About 5% below the national average

• Fitness Centers: $40–$80 per month

• Outdoor Recreation: Free access to trails, beaches, parks, and golf courses

Between high-quality care and year-round outdoor activity, Hilton Head makes healthy living both accessible and enjoyable.

South Carolina is known for being tax-friendly, particularly for retirees and full-time residents.

• State Income Tax: 0–6.5%, depending on income

• Social Security: Not taxed

• Sales Tax: 6% (plus a 1% local option)

• Property Taxes: Among the lowest in the country

This combination makes Hilton Head a smart choice for those seeking a balance of coastal beauty and long-term financial security.

It’s no secret that Hilton Head South Carolina weather is one of its biggest draws. With mild winters, warm summers, and more than 215 days of sunshine each year, outdoor living becomes a way of life.

• Average High (Summer): 88°F

• Average Low (Winter): 45°F

• Annual Sunshine: 215+ days per year

Whether you’re kayaking the lagoons, teeing off at world-class golf courses, or relaxing by the shore, Hilton Head’s climate makes every day feel like a vacation.

While the Hilton Head cost of living is above the national average, residents consistently say it’s worth it for the quality of life, sense of community, and stunning natural surroundings. You’ll find a perfect mix of comfort, convenience, and coastal beauty—all with a slower pace and a welcoming local vibe.

If you’re ready to make the move, explore Hilton Head homes for sale by Dream Finders Homes. Our thoughtfully designed communities offer attainable coastal living that captures the best of the Lowcountry lifestyle—where every day feels like a dream come true.