Updated · 2026 tax rules · Data: IRS, BLS, BEA, HUD · How we calculate

Cost of Living in Hilton Head Island, SC

Hilton Head Island-Bluffton-Port Royal, SC — prices, rents and what jobs really pay here after taxes.

Price level
98.0
U.S. average = 100 · #114 of 387
Median wage
$43,850
all jobs · $2,995/mo take-home
1-bedroom rent
$1,623
HUD fair market rent
▲9.4%
Pay trend: The median for all workers in Hilton Head Island, SC rose from $40,090 (May 2024) to $43,850 (May 2025). That beat inflation (2.4%), a real raise of about 7.0%.

Salary comparison calculator

What would you need to earn in Hilton Head Island, SC to keep the same lifestyle — after taxes — as in another city?

Cost of living calculator

Uses BEA price levels plus 2026 federal and state taxes in each city's state.

Salary needed to keep your lifestyle
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    How expensive is Hilton Head Island, SC?

    With a price level of 98.0 (U.S. average = 100), Hilton Head Island, SC is close to the national average. In detail, housing costs cost about the same as the national average; everyday goods are 4% below average; utilities are 12% below average; other services such as healthcare and dining are 2% below average. The biggest difference from the national average is in utilities.

    Prices in Hilton Head Island, SC vs. the U.S. average

    CategoryIndex (U.S. = 100)Difference
    All items98.0−2.0%
    Housing101.2+1.2%
    Goods96.3−3.7%
    Utilities88.1−11.9%
    Other services98.3−1.7%

    Source: BEA Regional Price Parities, 2024.

    Rent in Hilton Head Island, SC

    UnitMonthly rentIncome needed (30% rule)
    Studio$1,550$62,000/yr
    1 bedroom$1,623$64,920/yr
    2 bedrooms$1,779$71,160/yr
    3 bedrooms$2,133$85,320/yr
    4 bedrooms$2,656$106,240/yr

    HUD Fair Market Rents, FY2026, population-weighted across the metro's counties.

    Salary needed to live in Hilton Head Island, SC

    To keep the same standard of living as in an average-priced U.S. city, you would need to earn roughly:

    Salary in an average U.S. cityEquivalent in Hilton Head Island, SCTake-home here
    $40,000$39,200$32,482
    $60,000$58,800$47,055
    $80,000$78,400$60,438
    $100,000$98,000$73,050
    $150,000$147,000$104,078

    Scaled by the BEA price level (pre-tax). Take-home: single filer, South Carolina 2026 taxes. For a tax-aware comparison with a specific city, use the calculator above.

    A monthly budget on the median wage

    A single worker earning Hilton Head Island, SC's median wage of $43,850 takes home about $2,995 a month. A typical one-bedroom rents for $1,623, which is 54% of take-home pay — well above the 30% guideline, so many workers here share housing or rent smaller units. That leaves about $1,372 a month for everything else.

    Take-home pay in Hilton Head Island, SC

    Paycheck in Hilton Head Island, SC
    Deductions, kids & local tax

    2026 tax year. Federal brackets from IRS Rev. Proc. 2025-32.

    Your take-home pay
    $35,940
    per year · effective tax rate 18.0%
    $2,995Monthly
    $1,497Twice a month
    $1,382Every 2 weeks
    $17.28Hourly
    • Federal income tax$3,082
    • Social Security (6.2%)$2,719
    • Medicare (1.45%)$636
    • South Carolina income tax$1,474
    • Take-home pay$35,940

    Marginal rate: 12% federal + 6.00% state

    Highest-paying jobs in Hilton Head Island, SC

    JobMedian salaryTake-homeReal value*
    Retail Salesperson$33,880$28,527$29,104
    Fast Food and Counter Worker$29,550$25,308$25,820
    Waiter and Waitress$19,830$17,705$18,063

    *In U.S.-average dollars after adjusting for local prices.

    Pay and living costs in South Carolina cities

    Half of South Carolina’s 2,305,080 workers earn less than $46,490 a year and half earn more; the middle 50% earn $34,630–$70,340 (BLS, May 2025). Prices vary a lot within the state: Spartanburg, SC stretches a paycheck furthest, while Myrtle Beach, SC is the costliest.

    Metro areaMedian payPrice level1-BR rentRent shareLeft after rent / moBuying power*
    Charlotte, NC$49,99097.3$1,42842%$1,947$41,608
    Greenville, SC$46,58093.3$1,15537%$2,009$40,713
    Columbia, SC$46,43093.7$1,13936%$2,016$40,420
    Charleston, SC$49,150101.0$1,63049%$1,693$39,500
    Augusta, GA$45,99091.9$1,11035%$2,018$40,837
    Spartanburg, SC$47,65091.1$1,06133%$2,169$42,575
    Myrtle Beach, SC$37,93093.6$1,22947%$1,399$33,679
    Florence, SC$43,52086.8$92231%$2,053$41,135
    Hilton Head Island, SC$43,85098.0$1,62354%$1,372$36,667
    Sumter, SC$42,89088.0$97233%$1,963$40,020

    *Yearly take-home pay (on each metro’s median wage, single filer) in U.S.-average dollars. Price level: BEA RPP 2024 (U.S. = 100). Rent: HUD FY2026 one-bedroom fair market rent.

    Hilton Head Island, SC vs. similar-size cities

    Metro areaPrice level1-BR rentMedian wageJobs
    Hilton Head Island, SC98.0$1,623$43,85081,920
    Idaho Falls, ID94.4$1,095$46,80081,840
    Johnson City, TN87.9$893$43,48081,690
    Bowling Green, KY90.2$937$45,04082,160
    Odessa, TX93.9$1,269$48,59080,910
    Greenville, NC88.4$896$46,56080,770
    Houma, LA85.1$904$45,61083,440

    Frequently asked questions

    Is Hilton Head Island, SC expensive to live in?

    According to the Bureau of Economic Analysis, overall prices in the Hilton Head Island-Bluffton-Port Royal, SC metro area are 98.0% of the U.S. average, with housing at 101.2%. It is the #114 most expensive of 387 metro areas we track.

    What salary do you need to live in Hilton Head Island, SC?

    To match the buying power of a $60,000 salary in an average-priced U.S. city you would need about $58,810 in Hilton Head Island, SC (before tax differences). The median wage across all jobs here is $43,850.

    Can you afford Hilton Head Island, SC on the median wage?

    A single worker on the $43,850 median wage takes home about $2,995 a month after 2026 taxes; a one-bedroom at $1,623 would take 54% of that.

    How much is rent in Hilton Head Island, SC?

    HUD’s FY2026 fair market rents for Hilton Head Island, SC are $1,550 for a studio, $1,623 for one bedroom, $1,779 for two bedrooms and $2,133 for three bedrooms, including utilities.

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