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Hilton Head, South Carolina Retirement Guide
Retirement Score
Hilton Head, South Carolina at a Glance
- Median Home Price
- $589,000
- State Income Tax
- State income tax; Social Security fully exempt; generous retirement income deduction.
- Avg January Low
- 45.4°F
- Cost of Living Index
- 93.3 (US avg = 100)
- RetireCityIQ Score
- 61 / 100
Overview
Explore the key retirement factors for Hilton Head, South Carolina, including cost of living, taxes, healthcare quality, and climate data.
Cost of Living
Affordability Metrics
Hilton Head's cost of living is 6.700000000000003% below the national average. For a detailed breakdown of expenses, see our cost of living methodology.
Housing
Real Estate & Housing
10-Year Housing Stress Test (Estimate)
Estimate monthly homeowner carrying cost in Hilton Head using median home price and adjustable assumptions. Stress case applies +10% property tax, +20% insurance, +10% maintenance.
Estimated monthly carrying cost
$1,276
Stress-case monthly carrying cost
$1,433
Median home price used: $589,000
Median rent reference: $1,563 / month
Estimate includes property tax, insurance, maintenance reserve, and HOA. It excludes mortgage, utilities, and one-time transaction costs.
Budget validation
Calculate if your savings last in this city
Use RetireFree to test whether your portfolio can support retirement in Hilton Head, South Carolina after local housing costs, taxes, healthcare, inflation, and withdrawal timing.
Open the RetireFree Calculator →Healthcare
Access & Quality
Quality of care and specialist availability are critical for a successful retirement. Hilton Head scores 96.7 out of 100 for healthcare access.
Care planning link
Find local assisted living in Hilton Head
If your city research includes aging parents, future care needs, or a move closer to family, compare local care options alongside housing and healthcare access.
Assisted living in Hilton Head →Taxes
State Tax Climate
South Carolina has a tax environment that is moderate for retirees.Read more in our detailed South Carolina tax guide.
Climate
Weather & Environment
With 318 sunny days a year and an average January low of 45.4°F, Hilton Head offers a mild winter climate.
Safety & Walkability
Community Safety
Walkability
Demographics
Population Profile
Diversity Breakdown
Frequently asked questions about retiring in Hilton Head
What is the cost of living in Hilton Head, South Carolina for retirees?▾
The cost-of-living index is 93, roughly 7% below the national average of 100. Median home price is around $589,000.
Does South Carolina tax Social Security or retirement income?▾
For South Carolina residents: State income tax; Social Security fully exempt; generous retirement income deduction.
What is the climate like in Hilton Head, South Carolina?▾
Hilton Head, South Carolina has January average low around 45°F, July average high around 89°F. Climate normals are based on 30-year averages from NOAA's National Centers for Environmental Information.
What is healthcare access like in Hilton Head, South Carolina?▾
Hilton Head scores 97/100 on the RetireCityIQ healthcare access index — a top-tier score. The index combines CMS hospital quality ratings, Medicare Advantage plan availability, and hospitals per 100,000 residents (KFF + CMS data).
Local Professionals
Financial Advisors
HILTON HEAD FINANCIAL ADVISORS, INC.
HILTON HEAD FINANCIAL ADVISORS, INC.
HILTON HEAD FINANCIAL ADVISORS, INC.
+16 more financial advisors available