Buying a Second Home on Hilton Head Island
Decide first whether you'll rent the home, because that narrows which communities and buildings work. Then budget for the 6% tax assessment that applies to non-primary homes, wind and flood insurance, and a rental manager if you'll rent.
Rental rules, taxes, insurance and management: what changes when the house isn't your main home. Written by Lauren Dooley of the Drake Real Estate Team.
Will you rent it?
Rental rules vary by community, regime and building. Some villas rent every week in summer; some homes allow only longer stays. The Town of Hilton Head Island also requires a short-term rental permit.
Lauren Dooley holds the Resort & Second-Home Property Specialist (RSPS) designation and can walk you through what each property allows.
Costs to plan for
Second homes carry a few costs that full-time residents may not.
| Cost | What to know |
|---|---|
| Property tax | Non-primary homes are assessed at 6% in South Carolina, versus 4% for a legal residence. |
| Insurance | Coastal homes may need separate wind and flood policies. |
| Dues and regime fees | Check what each covers: exterior, roof, insurance, amenities. |
| Management | Rental managers charge a share of rental income; ask what's included. |
Visiting before you buy
If you can, spend a few days in two or three communities before you narrow down. We'll set up showings around your trip and send video tours of anything you can't see in person.
Common questions
Yes. Many of our buyers live elsewhere. We handle video tours, coordinate inspections, and the closing attorney can arrange remote signing.
Want a second opinion?
Call (843) 422-7500 or send a note. We'll answer your questions, whether or not you hire us.
Contact the team