Harbor Island Homes under $500,000

Welcome to Harbor Island, a hidden gem nestled in the heart of South Carolina's Lowcountry, specifically within Beaufort County and the charming St. Helena Island. This picturesque coastal community offers a unique blend of serene beauty and vibrant Southern culture, making it an ideal destination for those seeking a tranquil lifestyle without sacrificing convenience.

Harbor Island is renowned for its stunning natural landscapes, including pristine beaches, salt marshes, and lush maritime forests. Residents enjoy easy access to a variety of outdoor activities, from kayaking and fishing to birdwatching and leisurely strolls along the shore. The island's rich history and cultural heritage are evident in its local art galleries, historical sites, and community events that celebrate the Gullah culture.

For those looking to call this enchanting region home, you'll be pleased to know that there are beautiful homes available for under $500,000. These properties range from charming beach cottages to modern family homes, each offering a unique opportunity to experience the laid-back coastal lifestyle. Many of these homes provide stunning views, spacious yards, and easy access to the beach, making them perfect for families, retirees, or anyone seeking a peaceful retreat.

With its friendly community, breathtaking scenery, and affordable housing options, Harbor Island represents an exceptional opportunity for those looking to invest in a slice of paradise. Discover your dream home in this idyllic locale, where every day feels like a vacation!

Newest Harbor Island Homes under $500,000

6 Harbor Drive Unit M117, St Helena Island

$415,000

2 Beds ⋅ 2 Baths ⋅ 1,150 SqFt. ⋅ HILTONHEAD-512271 MLS

Fabulous 2BR/2BA Oceanfront villa! Beautiful pool to ocean views and completely furnished. Relax every morning on your NEW back oceanfront porch and drink your coffee while watching the sunrise or just stroll to the beach. Harbor Island has amenities galore including three pools, fitness center, fishing docks, garden, pickleball, tennis, basketball courts, security 24/7, Turtle's Nest souvenir shop, dog park, playground, boat storage, private beach and much more!!!

6 Harbor Drive Unit M117, St Helena Island

Listing courtesy of RE/MAX Island Realty.

6 Cedar Reef Drive Unit C102, St Helena Island

$315,000

1 Beds ⋅ 2 Baths ⋅ 794 SqFt. ⋅ HILTONHEAD-511408 MLS

Everything you need and nothing you don't for a beach getaway property at this completely renovated & fully furnished 1-BD, 1.5-BA condo just steps from the Atlantic Ocean. Coveted 1st floor unit with 2 porches that connect directly to oceanside, green park space & marsh views! This unit has undergone extensive renovation in the past few years, including taking the new floors down to the studs and replaced with new LVP floors, new spray foam insulation under the unit, & new duct work (2025) & new HVAC unit (2023). Rare to find primary bathroom renovated to this quality with fully tiled walk-in shower. Also in the past few years, the condo association has replaced porches & decks, the HVAC covered protection, New Roof, & New Siding. Inside and out, this condo is better than brand new and one of the most tastefully renovated available now! In a great location within Cedar Reef Villas, situated to the side of the complex, this is a rare unit that feels like it has a full backyard on the ocean. Look left off your back porches and you will see 2 beach accesses within steps, as well as a grilling area & extra parking that is all newer to the complex. Stainless steel refrigerator, washer & dryer and everything you see on MLS photos comes with the property. This unit also has an exterior storage closet that not all units have - for all your beach-going essentials. Bedroom has king size bed. Living room has a sleeper sofa. Harbor Island Community amenities are included with the required HOA, no extra membership necessary! ...Making it easy to start relaxing and embracing island time. Lounge by the Condo Pool or the Harbor Island Pool, work out in the fitness center, fish or crab at the community crab dock. Tennis, pickleball, sand volleyball, playground, basketball courts, & putting green. Harbor Island is gated with a manned security gate. Property is currently rented as a short term rental with a 2-night minimum. Buyers will need to work around rental schedule for showings and possession after closing.

6 Cedar Reef Drive Unit C102, St Helena Island

Listing courtesy of Keller Williams.

3 Cedar Reef Drive Unit E106, St Helena Island

$324,900

1 Beds ⋅ 2 Baths ⋅ 794 SqFt. ⋅ HILTONHEAD-509803 MLS

One of the nicest 1 bedroom, 1.5 bath villas in Cedar Reef Villas! Completely renovated and steps to one of 3 pools and boardwalk to private beach. New A/C, duct work, subfloors, flooring, spray foam insulation, king size bed, sliding glass door, kitchen completely redone, new appliances when remodeled and washer/dryer. Harbor Island amenities include pickleball, tennis, basketball courts, fitness center, dog park, fishing docks, golf cart friendly community. Villa is sold furnished with a few exceptions. OSCREA

3 Cedar Reef Drive Unit E106, St Helena Island

Listing courtesy of RE/MAX Island Realty.

6 Cedar Reef Drive Unit C101, St Helena Island

$324,900

1 Beds ⋅ 2 Baths ⋅ 794 SqFt. ⋅ HILTONHEAD-509796 MLS

This turnkey villa sleeps 4, has been recently remodeled with new LVP flooring, new A/C duct work, spray foam insulation, painted and beautifully decorated. This condo is a perfect beach retreat or guest experience. Fully furnished and steps to the boardwalk to the private beach, steps to villa pool and short stroll to Harbor Island Racquet Beach Club. There is no shortage of amenities, views or conveniences with this condo. OSCREA

6 Cedar Reef Drive Unit C101, St Helena Island

Listing courtesy of RE/MAX Island Realty.

3 Cedar Reef Drive Unit E102, St Helena Island

$280,000

1 Beds ⋅ 2 Baths ⋅ 794 SqFt. ⋅ HILTONHEAD-506913 MLS

Tucked inside the private, gated beach resort of Harbor Island, this beautifully updated 1-bedroom villa offers the perfect blend of comfort, efficiency, and coastal charm-your very own home away from home. Thoughtfully maintained, the villa features spray foam insulation beneath the home, helping to keep energy costs low and interior temperatures comfortable year-round. Even more appealing, this property has never been rented by its current owners, offering a pristine, well-cared-for space. Whether you're looking to generate income or keep it as your private escape, you have the flexibility to start renting immediately or simply enjoy it from day one. Step outside and you're just moments from the pool-so close it feels like your own backyard oasis. Whether it's a refreshing morning swim or a relaxing afternoon in the sun, the ease of access makes every day feel like vacation. A short two-minute stroll along the boardwalk over the dunes leads you to the pristine, uncrowded beach where you can soak in the salt air, search for shells, or simply unwind to the sound of the waves. After a day on the sand, rinse off at the convenient outdoor shower before heading back to your villa. Beyond the beach, adventure awaits just minutes away at Hunting Island State Park, known for its natural beauty, trails, and iconic lighthouse. Harbor Island itself is truly a hidden gem, offering a relaxed, coastal lifestyle with an array of amenities. Spend your days fishing from one of the two private piers-catch your own dinner, or enjoy time on the tennis, pickleball, and basketball courts. Stay active with access to two fitness rooms, or unwind at the island's large swimming pool, where breathtaking sunset views create the perfect ending to any day. Whether you're searching for a peaceful getaway, investment opportunity, or your own slice of the Lowcountry, this villa invites you to slow down, reconnect, and enjoy life by the sea.

3 Cedar Reef Drive Unit E102, St Helena Island

Listing courtesy of Keller Williams.

1 Cedar Reef Drive Unit F204, St Helena Island

$255,000

2 Beds ⋅ 3 Baths ⋅ 1,080 SqFt. ⋅ HILTONHEAD-505373 MLS

BEST DEAL that you can find on Harbor Island. This two-bedroom villa is listed for less than the price of a one-bedroom condo, offering an incredible chance to own more space in one of the most peaceful coastal beach communities and is less than a 5 minute walk to the beach and a 2 minute walk to the pool. Tucked away on the private shores of Harbor Island, this beautifully refreshed two-story condo offers the kind of relaxed coastal lifestyle people dream about when they think of the South Carolina Lowcountry. The home feels fresh, bright, and welcoming from the moment you step inside. With two spacious bedrooms and 2.5 bathrooms, the layout provides comfortable separation between living and sleeping spaces, making it ideal for a family vacation. The heart of the home opens to a private balcony , where salty breezes set the tone for slow mornings with coffee and relaxing evenings after a day on the beach. This condo is not on a rental market so you can enjoy your place from day one or you can simple share it with other families that enjoy coming to Harbor Island. It also features a rare outdoor storage closet, perfect for keeping beach chairs, fishing gear, and all the essentials for island living neatly tucked away. Amenities include full access to the beach and raquet clubs swimming pools, tennis courts, pickle ball, basket ball court, fitness center and a well appointed clubhouse with lounge. The fishing in our coastal waters won't disappoint either. Go out in your boat or just fish and crab at one of the 2 community docks. If you are lucky, you can see dolphins come through. Whether you're searching for a primary residence, second home, or investment opportunity, this Harbor Island condo blends coastal charm, comfort, and location-inviting you to slow down and savor the Lowcountry lifestyle. Whether you're looking for a personal seaside escape, a future investment, or a place to slow down and enjoy the rhythm of the coast, this Harbor Island gem delivers charm, comfort, and exceptional value.

1 Cedar Reef Drive Unit F204, St Helena Island

Listing courtesy of Keller Williams.

4 Cedar Reef Drive Unit B202, St Helena Island

$375,000

2 Beds ⋅ 3 Baths ⋅ 1,080 SqFt. ⋅ HILTONHEAD-505094 MLS

Wake up to peaceful marsh views and the relaxed rhythm of Lowcountry living in this beautifully situated 2 story villa on Harbor Island, a gated private island with its own beach, which is less than 5 minute walking distance from the condo. Overlooking the marsh, this 2-bedroom, 2.5-bath villa offers a front-row seat to nature's daily show-ever-changing tides, coastal breezes, and serene sunsets. Inside, the home is thoughtfully appointed and comes fully furnished, allowing for an easy, turnkey transition. The kitchen features granite countertops (replaced December 2025), providing both style and functionality, while both brand new vanities (replaced December 2025) in the upstairs bedrooms add a fresh, modern touch to the space. The spacious primary suite enjoys tranquil marsh views, creating a private retreat where mornings begin calmly and evenings unwind effortlessly. A second bedroom with its own bath offers comfort and privacy for guests. Amenities include full access to the beach and raquet clubs swimming pools, tennis courts, pickle ball, basket ball court, fitness center and a well appointed clubhouse with lounge. The fishing in our coastal waters won't disappoint either. Go out in your boat or just fish and crab at one of the 2 community docks. If you are lucky, you can see dolphins come through. Whether you're searching for a primary residence, second home, or investment opportunity, this Harbor Island condo blends coastal charm, comfort, and location-inviting you to slow down and savor the Lowcountry lifestyle.

4 Cedar Reef Drive Unit B202, St Helena Island

Listing courtesy of Keller Williams.

2 Cedar Reef Drive Unit A207, St Helena Island

$404,900

2 Beds ⋅ 3 Baths ⋅ 1,080 SqFt. ⋅ HILTONHEAD-503766 MLS

Escape to the beautiful beaches and numerous amenities on Harbor Island! This 2 bedroom, 2.5 bath Cedar Reef Villa features a full kitchen and cozy interior decor with a private balcony to enjoy the beautiful ocean and marsh views while relaxing in cool ocean breezes.

2 Cedar Reef Drive Unit A207, St Helena Island

Listing courtesy of RE/MAX Island Realty.

2 Cedar Reef Drive Unit F101, St Helena Island

$339,500

1 Beds ⋅ 2 Baths ⋅ 794 SqFt. ⋅ HILTONHEAD-450699 MLS

One of the nicest one bedroom Cedar Reef Villas on Harbor Island and is a highly sought after end unit that has extra windows for extra light and TWO full bathrooms! This fully renovated unit has ocean views from both decks and is just steps from one of three pools for you to enjoy. Harbor Island has lots of amenities including, pickleball, tennis and basketball courts, fishing docks, fitness center, dog park, private beach, 24/7 security, swimming pools, Turtle's Nest (gift and souvenir shop) and much more!!

2 Cedar Reef Drive Unit F101, St Helena Island

Listing courtesy of RE/MAX Island Realty.

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