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City · 10,871 residents · Jasper County, South Carolina

Hardeeville , South Carolina

In Hardeeville, a typical home is worth $488,900 and typical rent is $1,406 a month. Compared with all of Jasper County, the typical home value is 50% higher and typical household income is 19% higher.

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  • Typical home value

    $488,900

    50% above the county

    89% above South Carolina

    • Hardeeville
    • Jasper
    • South Carolina

  • Typical rent

    $1,406a month

    6% above the county

    19% above South Carolina

    • Hardeeville
    • Jasper
    • South Carolina

  • Typical household income

    $78,365a year

    19% above the county

    13% above South Carolina

    • Hardeeville
    • Jasper
    • South Carolina

  • Households that own their home

    77%

    About the same as the county

    5 points above South Carolina

    • Hardeeville
    • Jasper
    • South Carolina

Source: U.S. Census Bureau, Average 2020–2024

Market now, with Zillow data

Zillow data
Typical home value
$434,794
6.5% less than 12 months ago
Typical rent
$1,658 a month
3.3% less than 12 months ago

From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).

Hardeeville is in Jasper County. The FHA loan limit ($638,250 for a one-unit home), the fair market rents and the help on this page are those of all of Jasper County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Hardeeville apart

What this place has that others do not, from public data, most unusual first.

  1. Nearby, in Laurel Bay, the typical home value is $231,800: 53% less than in Hardeeville ($488,900).

  2. The typical home in Hardeeville is worth $488,900, 50% more than in Jasper County as a whole ($325,500).

  3. According to Zillow, in the 12 months to September 2026 the typical home value in Hardeeville fell 6.5%; in South Carolina, it rose 0.9%.

  4. The typical household income in Hardeeville is $78,365, 19% more than in Jasper County as a whole ($65,613).

Sources: U.S. Census Bureau (Average 2020–2024); Zillow (September 2026 data). Zillow data

The homes here

Housing in Hardeeville

What homes there are in Hardeeville, what they cost, how that changed and how people live, from Census figures (2020–2024).

What homes there are

U.S. Census Bureau, ACS 5-year, 2020–2024

Kind of home

Detached houses, standing on their own, make up 62% of homes here, against 56% in Jasper County.

Year built

Here half of the homes date from 2014 or later; in Jasper County, from 2003 or later.

All homes, occupied or empty. A figure the Census cannot measure precisely enough here is not shown.

Census tables: B25024, B25034, B25035, B25041

What it costs here

U.S. Census Bureau, ACS 5-year, 2020–2024

Value of owner-occupied homes
Monthly rent with utilities

With a mortgage

$1,940 a month

Jasper County: $1,658 a month

Without a mortgage

$744 a month

Jasper County: $500 a month

Owners with a mortgage

64%

Jasper County: 52%

Owning costs more in Hardeeville: with a mortgage, the typical cost is $1,940 a month; in Jasper County, $1,658. Without one, $744.

Value: what owners think their home is worth. Rent: rent plus utilities, for homes of every size. The FHA limit is the most an FHA loan (Federal Housing Administration) lends for a one-unit home; the fair market rent (FMR) is the one HUD uses for housing vouchers.

Census tables: B25075, B25063, B25088, B25081

How it changed

U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024

Change since 2015–2019

From 2015–2019 to 2020–2024, the typical home value in Hardeeville rose 46%; in Jasper County, it rose 96%.

Rents in Hardeeville rose more slowly than in Jasper County: 15% since 2015–2019, against 43%.

Change between two 5-year periods that do not overlap, in each period's dollars, not adjusted for inflation.

Census tables: B25077, B25064, B19013

How people live

U.S. Census Bureau, ACS 5-year, 2020–2024

MeasureHardeevilleJasper CountySouth CarolinaUnited States
Rental vacancy Unreliable estimateUnreliable estimate8.3%5.5%
Homeowner vacancy Unreliable estimateUnreliable estimate0.9%0.9%
More than one person per room Unreliable estimateUnreliable estimate2.0%3.4%
People per household 2.072.362.442.53
Drive alone 67%75%76%69%
Carpool 17%14%9%9%
Public transit Unreliable estimateUnreliable estimate0%3%
Walk or bike Unreliable estimateUnreliable estimate2%3%
Work from home 14%9%12%15%
Other means Unreliable estimateUnreliable estimate2%2%
Typical commute Unreliable estimateUnreliable estimate20 to 29 minutes20 to 29 minutes

On average, a household in Hardeeville has 2.07 people, fewer than in Jasper County (2.36).

Working from home is more common in Hardeeville: 14%, against 9% in Jasper County.

Vacancy: empty homes offered for rent or for sale. Rooms: every room in the home, not only bedrooms. Commute: the minute range of the typical worker.

Census tables: B25004, B25003, B25014, B25010, B08301, B08303

Do the math

What would you pay each month for a home in Hardeeville?

A typical home costs more than the typical income allows

We start with a typical home in Hardeeville, worth $488,900, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 61% of the typical household income in Hardeeville, which is $78,365 a year. For that payment to be 28% of income, a household would need to earn about $170,115 a year.

The calculator's FHA and conventional loan limits are those of all of Jasper County.

Your numbers

Local data
$

Starts at the typical home value in Hardeeville. Change it to the price you have in mind.

Loan type
Your credit score

Your score changes which loans apply and FHA's minimum down payment. Your real rate also depends on your credit.

Down payment
%

That is $17,112 (3.5% of the price). The usual minimum for this loan is 3.5%.

This week's average ± a quarter or half point.

Term

National average as of November 5, 2026 (Freddie Mac); your rate may be different.

Adjust advanced details

Estimated monthly payment

Local data

$3,969

at 7.18% · 30 years

Loan amount
$480,044
Total interest
$690,671
Paid off in
November 2056

Includes $8,256 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,829 a month

  • Tight

    $1,829 to $2,351 a month

  • Hard

    more than $2,351 a month

    Your payment · 61%

Compared with the typical household income in Hardeeville ($78,365 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$3,969
Principal & interest$3,252
Property tax$297
Home insurance$204
FHA mortgage insurance (MIP)$216

You need at least $17,112 for the down payment, plus closing costs.

Next step

This is an estimate to give you an idea, not a loan offer. Your real payment depends on your rate, your credit, and the insurance and taxes on the home you buy.

The city and its county

Hardeeville and Jasper County

Hardeeville is in Jasper County, South Carolina. The U.S. Census Bureau publishes its own numbers for the city: home values, rent, household income, how many households own their home and the property tax. They are American Community Survey estimates (average 2020–2024).

Hardeeville's own numbers

Typical home value
$488,900
Typical monthly rent
$1,406
Typical yearly household income
$78,365
Households that own their home
77%
Effective property tax rate
0.73%

U.S. Census Bureau, American Community Survey (average 2020–2024).

Numbers for all of Jasper County

FHA limit, one-unit home
$638,250
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,579
Price change over 5 years (FHFA)
+68%
Homes in a high flood-risk zone
11%

HUD, FHFA and FEMA don't publish these numbers by city.

Other numbers are not published by city, only for the whole county: FHA and conventional loan limits, HUD’s fair market rents, FHFA’s price index and FEMA’s flood data. On this page, those numbers always say they are for all of Jasper County.

Everything about Jasper County

Buying

Buying a home in Hardeeville

A typical home in Hardeeville is worth $488,900: 50% above the county and 89% above South Carolina. With the typical household income in Hardeeville ($78,365 a year), a typical home costs 6.2 times what the household earns in a year.

Years of income to pay for a typical home

The typical home value divided by the typical household income for one year. The lower it is, the less buying weighs.

  • Hardeeville 6.2 years
  • Jasper 5.0 years
  • South Carolina 3.7 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Jasper County

According to FHFA’s house price index, home prices in Jasper County rose 106% in the 10 years through 2025.

FHFA does not publish this index by city: these are the numbers for all of Jasper County.

Period County South Carolina U.S.
Last year (2025) +11.5% +3.6% +2.9%
5 years (2020–2025) +68% +60% +47%
10 years (2015–2025) +106% +104% +85%

The index follows the price of the same homes over time (sales and appraisals with Fannie Mae and Freddie Mac loans). It is not the average price of a home. FHFA considers its annual county indexes experimental. Source: FHFA, 2025 data

Hardeeville next to Jasper County, South Carolina and the U.S.

Three numbers side by side. “Typical” means the median: half are above it and half below.

Typical home value
  • Hardeeville $488,900
  • Jasper $325,500
  • South Carolina $259,000
  • United States $332,700
Typical monthly rent
  • Hardeeville $1,406
  • Jasper $1,328
  • South Carolina $1,180
  • United States $1,413
Typical yearly household income
  • Hardeeville $78,365
  • Jasper $65,613
  • South Carolina $69,324
  • United States $80,734
See the full table
Hardeeville next to Jasper County and South Carolina
Measure Hardeeville Jasper County South Carolina U.S.
Typical home value $488,900 $325,500 $259,000 $332,700
Typical monthly rent $1,406 $1,328 $1,180 $1,413
Typical yearly household income $78,365 $65,613 $69,324 $80,734
Households that own their home 77% 77% 72% 65%
Typical yearly property tax $3,559 $1,852 $1,251 $3,119
Effective property tax rate 0.73% 0.57% 0.48% 0.94%
Renters with high rent for their income 46% 48% 52% 51%

“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Jasper County. “High rent” is the Census measure: renter households that pay 30% or more of their income in rent.

Four ways to pay for a typical home in Hardeeville

For a typical $488,900 home in Hardeeville, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Hardeeville's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $3,969a month

    Least cash to close
    Down payment
    $17,112
    Cash to close
    $31,779
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $216

  • Conventional, 5% down $3,880a month

    Down payment
    $24,445
    Cash to close
    $39,112
    Rate
    7.18%
    Mortgage insurance
    PMI · $232

  • Conventional, 20% down, no PMI $3,151a month

    Down payment
    $97,780
    Cash to close
    $112,447
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $3,603a month

    Down payment
    $73,335
    Cash to close
    $88,002
    Rate
    8.18%
    Mortgage insurance
    None

The option that asks for the least cash to close is FHA, 3.5% down.

  • Cash to close = down payment plus 3% of the price in closing costs (example).
  • Minimum score: FHA requires 580 or higher for the minimum down payment (HUD Handbook 4000.1). * Fannie Mae requires 620 when a loan is underwritten by hand; its automated system has no fixed minimum.
  • The ITIN row is an example with a rate 1 percentage point higher: ITIN loans follow no federal rule and each lender sets its own down payment and rate. Nothing in this table promises an approval.

How much house can I afford? Estimate closing costs

Taxes and floods

Two costs that change from place to place

Property tax and flood insurance raise or lower what you pay each month. Here are the numbers for Hardeeville and for Jasper County.

Property tax

Effective rate in Hardeeville

0.73%of the home’s value each year

$3,559 a year for the typical owner in Hardeeville.

  • Hardeeville 0.73%
  • Jasper 0.57%
  • South Carolina 0.48%

What South Carolina publishes Special 4% assessment ratio for your legal residence (South Carolina General Assembly (South Carolina Code of Laws))

Exemptions and deadlines in South Carolina

Flood risk in Jasper County

FEMA does not publish these numbers by city: they are for all of Jasper County.

Homes in the high-risk zone
11%
1,153
Of those, with NFIP insurance
60%
County South Carolina U.S.
Homes in the high-risk zone 11% 4% 3.5%
Of those, with NFIP insurance 60% 85% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Hardeeville

Typical rent in Hardeeville is $1,406 a month: 6% above the county. In Hardeeville, 46% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Jasper County, by unit size. To pay the 2-bedroom one ($1,579 a month) without spending more than 30% of your income, you would need to earn $30.37 an hour working full time.

HUD fair market rent for all of Jasper County

What you need to earn to pay it without spending more than 30% of income, working full time.

Size Fair rent a month Hourly wage Yearly income
Studio $1,392 $26.77 $55,680
1 bedroom $1,450 $27.88 $58,000
2 bedrooms $1,579 $30.37 $63,160
3 bedrooms $1,896 $36.46 $75,840
4 bedrooms $2,075 $39.90 $83,000

Includes basic utilities. It isn't the lowest or highest rent: it's a reference point. Source: HUD, Fiscal year 2027

By ZIP code

Fair market rent by ZIP code in Hardeeville

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Hardeeville is in ZIP code 29927.

For 2 bedrooms it is $1,710: $131 more than the fair market rent for Jasper County ($1,579).

  • 29927 $1,710$2,050

1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Hardeeville when at least 50% of its land is inside the city or it covers at least 15% of the city (Census 2020 boundaries). Source: Small Area Fair Market Rents (HUD) Fiscal year 2027 Small Area Fair Market Rents (HUD) Source: Census Bureau ZCTA-to-place relationship file Data from 2020 data Census Bureau ZCTA-to-place relationship file

Is your rent high for your ZIP?

Low-income apartments

Low-income apartments in Hardeeville

HUD lists 3 buildings with rents for lower incomes in Hardeeville. These are the largest.

  • Jenny Greene 22 Thatcher Rd, Hardeeville 29927 50 low-income homes · 1 bd: 12 · 2 bd: 14 · 3 bd: 12 · 4 bd: 12 · In service since 2010
  • Hardeeville 184 Walsh Dr, Hardeeville 29927 38 low-income homes · Run by SC Regional Housing Authority No 3 · Average payment: $293 a month · Average wait: 9 months (803) 259-3588
  • Deerfield Village 1482 Deerfield Rd, Hardeeville 29927 26 low-income homes · 2 bd: 10 · 3 bd: 10 · 4 bd: 6 · In service since 2007

See all 7 buildings in Jasper County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Hardeeville

You do not have to do this alone. A HUD-approved housing counseling agency helps for free or at low cost: getting ready to buy, understanding your credit, or solving a problem with your rent.

We found no HUD-approved agencies with an office in Jasper County. The nearest ones are below; many serve by phone or online.

An older woman smiles in front of her apartment building.

HUD counseling is free or low-cost

Assistance programs in Hardeeville

1 program is for Hardeeville or Jasper County, by its own record: they come first, each with what its official page says about being open. The ones below are statewide in South Carolina: they work in Hardeeville the same as in the rest of the state.

Which programs do I qualify for? All programs in South Carolina

  • County First Initiative

    For Jasper County

    South Carolina state agency rural initiative for certain counties: an FHA, USDA or VA mortgage at a special fixed rate with forgivable down payment assistance, for first-time buyers and for people who have owned a home before. Offered by SC Housing (South Carolina State Housing Finance and Development Authority).

    Forgivable

    See the program Official page

  • Palmetto Home Advantage

    Statewide in South Carolina

    South Carolina state agency program with forgivable down payment assistance of 0%, 3% or 4% of the loan, with no monthly payments, for any buyer in all 46 counties. Offered by SC Housing (South Carolina State Housing Finance and Development Authority).

    Forgivable

    See the program Official page

  • SC Housing Homebuyer Program

    Statewide in South Carolina

    South Carolina state agency fixed-rate mortgage with forgivable help for the down payment, closing costs or prepaid expenses: a 0% second mortgage with no monthly payments, forgiven if you live in the home 15 years. Offered by SC Housing (South Carolina State Housing Finance and Development Authority).

    Forgivable

    See the program Official page

Housing counselors near Hardeeville

The HUD-approved agencies closest to the center of Hardeeville, in a straight line, nearest first. If one says it serves in Spanish, its card says so.

  • CCCS of the Savannah Area, Inc.- SC Branch

    15 Sams Point Rd, Beaufort · 25 miles away

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 4 more
    (843) 379-2227

  • Charleston Trident Urban League, Inc.

    2133 N Hillside Dr, Charleston · 71 miles away

    • Budget and financial counseling
    • Budget and credit workshops
    • and 6 more
    (843) 769-8173

  • Credit.org - North Charleston, SC Branch

    5935 Rivers Ave, North Charleston · 73 miles away · Spanish

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 7 more
    (800) 431-8157

All counseling agencies in South Carolina

Help in Spanish near Hardeeville

1 of the 3 agencies on this list says it serves in Spanish.

Ask for service in Spanish

When you call, say “Spanish, please” or ask if someone speaks Spanish. If not, ask whether they offer an interpreter.

Housing authorities of Hardeeville

HUD lists no housing authority with an office in Jasper County. One in a neighboring county or the state’s may serve the area.

All housing agencies in South Carolina Source: HUD

Cities

Nearby cities

The cities closest to Hardeeville, with the typical home value.

Everything about Jasper County Housing in South Carolina

Neighboring counties

If Jasper County is out of reach, look next door. Each number is that county's own.

Keep going

Guides for your next step

Short explanations, in plain language and with official sources, for buying or renting in Hardeeville.

All guides
A family roasts marshmallows over a campfire at a forest campsite.

Questions

Housing questions about Hardeeville

Short answers with the numbers for Hardeeville and all of Jasper County. If your case is different, a HUD-approved counseling agency can guide you for free or at low cost.

How much does a typical home cost in Hardeeville?

The typical home value in Hardeeville is $488,900, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Jasper County it is $325,500.

How much does it cost to rent in Hardeeville?

Typical rent in Hardeeville is $1,406 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Jasper County is $1,579.

What is the FHA loan limit in Hardeeville?

Hardeeville uses the FHA limit for all of Jasper County (2026): $638,250 for a one-unit home and $1,227,400 for a four-unit home.

How much property tax do owners pay in Hardeeville?

The typical homeowner in Hardeeville pays $3,559 a year, according to the U.S. Census Bureau. That is 0.73% of the home’s value; in Jasper County, the rate is 0.57%.

Where can I find free help to buy or rent in Hardeeville?

We found no HUD-approved counseling agencies with an office in Jasper County; the nearest ones are on this page. They can help you get ready to buy, with your credit, or with rent.

Sources: American Community Survey (ACS) 5-year estimates (Average 2020–2024); FHA mortgage limits (HUD) (2026 data); Conforming loan limits (FHFA) (2026 data); Fair Market Rents (HUD) (Fiscal year 2027); Small Area Fair Market Rents (HUD) (Fiscal year 2027); Census Bureau ZCTA-to-place relationship file (2020 data); HUD-approved housing counseling agencies (Retrieved November 6, 2026); Public Housing Agencies (HUD) (Retrieved November 6, 2026); Freddie Mac Primary Mortgage Market Survey (PMMS) (As of November 5, 2026); FHFA House Price Index (HPI) (2025 data); Homes with flood insurance (NFIP, FEMA) (As of August 3, 2026).