Español

Este sitio también está en español. Leer en español

City · 9,044 residents · Georgetown County, South Carolina

Litchfield Beach , South Carolina

In Litchfield Beach, a typical home is worth $459,000 and typical rent is $1,704 a month. Compared with all of Georgetown County, the typical home value is 59% higher and typical rent is 42% higher.

WhatsApp

  • Typical home value

    $459,000

    59% above the county

    77% above South Carolina

    • Litchfield Beach
    • Georgetown
    • South Carolina

  • Typical rent

    $1,704a month

    42% above the county

    44% above South Carolina

    • Litchfield Beach
    • Georgetown
    • South Carolina

  • Typical household income

    $76,351a year

    11% above the county

    10% above South Carolina

    • Litchfield Beach
    • Georgetown
    • South Carolina

  • Households that own their home

    83%

    1 points below the county

    12 points above South Carolina

    • Litchfield Beach
    • Georgetown
    • South Carolina

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

Litchfield Beach is in Georgetown County. The FHA loan limit ($541,287 for a one-unit home), the fair market rents and the help on this page are those of all of Georgetown County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Litchfield Beach apart

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

  1. Nearby, in Georgetown, the typical home value is $168,100: 63% less than in Litchfield Beach ($459,000).

  2. Nearby, in Georgetown, the typical rent is $780: 54% less than in Litchfield Beach ($1,704).

  3. The typical home in Litchfield Beach is worth $459,000, 59% more than in Georgetown County as a whole ($289,500).

  4. The typical rent in Litchfield Beach is $1,704 a month, 42% more than in Georgetown County as a whole ($1,204).

Sources: U.S. Census Bureau (Average 2020–2024).

The homes here

Housing in Litchfield Beach

What homes there are in Litchfield Beach, 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

In Litchfield Beach, 6 in 10 homes are single-family detached houses, about the same as in Georgetown County.

Year built

Here half of the homes date from 1998 or later; in Georgetown County, from 1993 or later.

By size, homes in Litchfield Beach look like those in Georgetown County: 75% have 3 bedrooms or more.

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

$1,702 a month

Georgetown County: $1,490 a month

Without a mortgage

$655 a month

Georgetown County: $545 a month

Owners with a mortgage

58%

Georgetown County: 49%

The typical cost for an owner with a mortgage in Litchfield Beach is $1,702 a month, more than in Georgetown County ($1,490); without one, $655.

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

The Census does not compare Litchfield Beach with 2015–2019 because its boundaries changed. In Georgetown County, over that time, the typical home value rose 53%.

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

MeasureLitchfield BeachGeorgetown 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 estimate2.4%2.0%3.4%
People per household 2.022.372.442.53
Drive alone 70%77%76%69%
Carpool Unreliable estimate9%9%9%
Public transit Unreliable estimateUnreliable estimate0%3%
Walk or bike Unreliable estimate1%2%3%
Work from home 19%10%12%15%
Other means Unreliable estimate2%2%2%
Typical commute Unreliable estimate20 to 29 minutes20 to 29 minutes20 to 29 minutes

On average, a household in Litchfield Beach has 2.02 people, fewer than in Georgetown County (2.37).

Many people here do not commute at all: 19% work from home; in Georgetown County, 10%.

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 Litchfield Beach?

A typical home costs more than the typical income allows

We start with a typical home in Litchfield Beach, worth $459,000, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 56% of the typical household income in Litchfield Beach, which is $76,351 a year. For that payment to be 28% of income, a household would need to earn about $153,646 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Litchfield Beach. 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 $16,065 (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

$3,585

at 7.18% · 30 years

Loan amount
$450,686
Total interest
$648,432
Paid off in
November 2056

Includes $7,751 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,782 a month

  • Tight

    $1,782 to $2,291 a month

  • Hard

    more than $2,291 a month

    Your payment · 56%

Compared with the typical household income in Litchfield Beach ($76,351 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$3,585
Principal & interest$3,053
Property tax$138
Home insurance$191
FHA mortgage insurance (MIP)$203

You need at least $16,065 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

Litchfield Beach and Georgetown County

Litchfield Beach is in Georgetown 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).

Litchfield Beach's own numbers

Typical home value
$459,000
Typical monthly rent
$1,704
Typical yearly household income
$76,351
Households that own their home
83%
Effective property tax rate
0.36%

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

Numbers for all of Georgetown County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,158
Price change over 5 years (FHFA)
+65%

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 Georgetown County.

Everything about Georgetown County

Buying

Buying a home in Litchfield Beach

A typical home in Litchfield Beach is worth $459,000: 59% above the county and 77% above South Carolina. With the typical household income in Litchfield Beach ($76,351 a year), a typical home costs 6.0 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.

  • Litchfield Beach 6.0 years
  • Georgetown 4.2 years
  • South Carolina 3.7 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Georgetown County

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

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

Period County South Carolina U.S.
Last year (2025) +3.1% +3.6% +2.9%
5 years (2020–2025) +65% +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

Litchfield Beach next to Georgetown 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
  • Litchfield Beach $459,000
  • Georgetown $289,500
  • South Carolina $259,000
  • United States $332,700
Typical monthly rent
  • Litchfield Beach $1,704
  • Georgetown $1,204
  • South Carolina $1,180
  • United States $1,413
Typical yearly household income
  • Litchfield Beach $76,351
  • Georgetown $68,713
  • South Carolina $69,324
  • United States $80,734
See the full table
Litchfield Beach next to Georgetown County and South Carolina
Measure Litchfield Beach Georgetown County South Carolina U.S.
Typical home value $459,000 $289,500 $259,000 $332,700
Typical monthly rent $1,704 $1,204 $1,180 $1,413
Typical yearly household income $76,351 $68,713 $69,324 $80,734
Households that own their home 83% 84% 72% 65%
Typical yearly property tax $1,655 $1,190 $1,251 $3,119
Effective property tax rate 0.36% 0.41% 0.48% 0.94%
Renters with high rent for their income 41% 59% 52% 51%

“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Georgetown 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 Litchfield Beach

For a typical $459,000 home in Litchfield Beach, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Litchfield Beach's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $3,585a month

    Least cash to close
    Down payment
    $16,065
    Cash to close
    $29,835
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $203

  • Conventional, 5% down $3,501a month

    Down payment
    $22,950
    Cash to close
    $36,720
    Rate
    7.18%
    Mortgage insurance
    PMI · $218

  • Conventional, 20% down, no PMI $2,816a month

    Down payment
    $91,800
    Cash to close
    $105,570
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $3,241a month

    Down payment
    $68,850
    Cash to close
    $82,620
    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 Litchfield Beach and for Georgetown County.

Property tax

Effective rate in Litchfield Beach

0.36%of the home’s value each year

$1,655 a year for the typical owner in Litchfield Beach.

  • Litchfield Beach 0.36%
  • Georgetown 0.41%
  • 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 Georgetown County

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

FEMA’s maps count no homes in the high-risk zone in Georgetown County. That does not mean it cannot flood: check your address.

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Litchfield Beach

Typical rent in Litchfield Beach is $1,704 a month: 42% above the county. In Litchfield Beach, 41% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Georgetown County, by unit size. To pay the 2-bedroom one ($1,158 a month) without spending more than 30% of your income, you would need to earn $22.27 an hour working full time.

HUD fair market rent for all of Georgetown 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 $842 $16.19 $33,680
1 bedroom $885 $17.02 $35,400
2 bedrooms $1,158 $22.27 $46,320
3 bedrooms $1,380 $26.54 $55,200
4 bedrooms $1,936 $37.23 $77,440

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 Litchfield Beach

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Litchfield Beach is in ZIP code 29585.

For 2 bedrooms it is $1,570: $412 more than the fair market rent for Georgetown County ($1,158).

  • 29585 $1,570$1,870

1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Litchfield Beach 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?

Free help

Help to buy or rent in Litchfield Beach

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 Georgetown County. The nearest ones are below; many serve by phone or online.

A man shakes hands with the specialist who helped him with his loan, in the kitchen of his new home.

HUD counseling is free or low-cost

Assistance programs in Litchfield Beach

1 program is for Litchfield Beach or Georgetown 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 Litchfield Beach the same as in the rest of the state.

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

  • County First Initiative

    For Georgetown 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 Litchfield Beach

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

  • City of Florence

    324 W Evans St, Florence · 63 miles away

    • Fair housing pre-purchase workshops
    • Pre-purchase counseling
    • and 2 more
    (843) 665-3175

  • Increasing H.o.p.e. Financial Training Center

    8570 Rivers Ave, North Charleston · 64 miles away · Spanish

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 4 more
    (843) 225-4343

  • Origin SC

    8084 Rivers Ave, North Charleston · 65 miles away

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 9 more
    (843) 628-3000

All counseling agencies in South Carolina

Help in Spanish near Litchfield Beach

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 Litchfield Beach

In HUD’s record, no housing authority with an office in Georgetown County is named for Litchfield Beach or Georgetown County.

One other authority has an office in Georgetown County: see the list Source: HUD

Cities

Other cities in Georgetown County

These cities are also in Georgetown County. They share its loan limits and fair market rents, but home values and rent change from one to the next.

Everything about Georgetown County Housing in South Carolina

Nearby cities

The cities closest to Litchfield Beach, with the typical home value.

Neighboring counties

If Georgetown 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 Litchfield Beach.

All guides
Three generations of a family gather on the porch of their home.

Questions

Housing questions about Litchfield Beach

Short answers with the numbers for Litchfield Beach and all of Georgetown 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 Litchfield Beach?

The typical home value in Litchfield Beach is $459,000, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Georgetown County it is $289,500.

How much does it cost to rent in Litchfield Beach?

Typical rent in Litchfield Beach is $1,704 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Georgetown County is $1,158.

What is the FHA loan limit in Litchfield Beach?

Litchfield Beach uses the FHA limit for all of Georgetown County (2026): $541,287 for a one-unit home and $1,041,125 for a four-unit home.

How much property tax do owners pay in Litchfield Beach?

The typical homeowner in Litchfield Beach pays $1,655 a year, according to the U.S. Census Bureau. That is 0.36% of the home’s value; in Georgetown County, the rate is 0.41%.

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

We found no HUD-approved counseling agencies with an office in Georgetown 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).