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Beaufort, SC

Year-round Limited

One of the retirement towns we've already researched and scored. Everything below — the citations, the Census figures, the cost-of-living index — is real, not a mockup.

Scores

Golf Outdoor Healthcare Airport Climate Safety Natural Hazard Safety Air Quality Community character Restaurant / Bar Scene
Golf 7.5
Outdoor 8
Healthcare 7
Airport 6.5
Climate 8
Safety 4
Natural Hazard Safety 4.5
Air Quality 7.5
Community character 9
Restaurant / Bar Scene 2.4

Research

AI research, with sources

“Beaufort, SC is a historic Lowcountry retirement market with strong coastal appeal, a sizable 65-plus population, and easy access to regional healthcare, but it comes with hurricane, flood, and insurance considerations.”

Beaufort fits retirees who want a walkable historic core, golf and water access, and a warm climate, with Beaufort County showing a 29.2% share age 65 and over ([Census QuickFacts](https://www.census.gov/quickfacts/fact/table/beaufortcountysouthcarolina/NES010223)). The tradeoffs are coastal risk, a relatively high FEMA county hazard profile, and property-tax and insurance complexity that matter more here than in inland retirement markets ([Beaufort County Assessor](https://www.beaufortcountysc.gov/assessor/faq.html), [FEMA NRI summary](https://riskbycounty.com/south-carolina/beaufort-county)).

Cost of living & taxes Coastal Beaufort is not cheap, but South Carolina’s tax structure and 4% primary-residence assessment help offset some carrying costs.

Beaufort County’s 2020 Census population was 187,117 and 29.2% were age 65 and over, which helps explain the retiree-oriented services and housing demand in the county (Census QuickFacts[1]). South Carolina law gives owner-occupied legal residences a 4% assessment ratio, while other residential and commercial property is assessed at 6%, and Beaufort County says real estate taxes are due January 15 (Beaufort County Assessor[2]). Beaufort County does not publish a simple citywide property-tax rate on the pages given here, so the best confirmed local tax fact is the 4% primary-residence assessment ratio rather than a single tax-rate figure (Beaufort County Assessor[2]).

Healthcare access Beaufort has a strong local hospital anchor, with major referral-level care centered at Beaufort Memorial.

Beaufort Memorial is a not-for-profit acute-care hospital licensed for 201 beds, with 32 physician practices, two cancer centers, and three Express Care & Occupational Health clinics serving Beaufort, Jasper, and Hampton counties (Beaufort Memorial[3]). The hospital describes itself as the largest medical facility between Savannah and Charleston, and it says its medical staff includes nearly 320 board-certified or board-eligible providers (Beaufort Memorial[3]). For a retiree, that means many routine and some specialty needs can be handled locally, while higher-acuity subspecialty care may still require trips to larger coastal referral centers in Savannah or Charleston (Beaufort Memorial[3]).

Climate & weather Beaufort has a warm, humid coastal climate with long summers and a mild winter, plus lots of rain.

South Carolina climate normals for Beaufort County show 1991-2020 annual precipitation of 45.02 inches at the Beaufort WWTP station, with annual average maximum temperature of 76.8 F and minimum temperature of 57.6 F (SC DNR Climate Data[4]). Station-based NOAA normals for Beaufort MCAS show monthly average highs peaking around 92.4 F in July, with January minimum temperatures around 40.1 F (Climate Charts, NOAA normals summary[5]). The same station shows annual precipitation of 45.02 inches and temperatures that generally support comfortable outdoor living in spring and fall more than midsummer (Climate Charts, NOAA normals summary[5]).

Crime & safety County-level reported crime is available, but the city-level FBI picture is incomplete enough that county figures are the safer read.

The Beaufort County crime overview says the county had a total crime rate of 2013.5 incidents per 100,000 residents, with violent crime at 398.8 per 100,000 and property crime at 1614.7 per 100,000 in the available FBI UCR dataset (Beaufort County crime overview[6]). It also notes the record is partial coverage with 13 reporting agencies for 2022, which is why a county-level FBI-derived figure is preferable to forcing a city estimate when reporting is incomplete (Beaufort County crime overview[6]). The Beaufort County Sheriff’s Office says it submits annual crime summaries to SLED for unincorporated Beaufort County, but a clean Beaufort city FBI rate or three-year city trend is not given here, so county-level reporting is partial and the county-level reported crime rate is elevated (Beaufort County Sheriff’s Office[7], Beaufort County crime overview[6]).

Housing market Beaufort, SC offers a moderately priced coastal market, with countywide median list prices around $462K to $550K, and a long-enough marketing period that retirees can shop carefully.

In Beaufort city, the median listing price is $461,500 and homes are taking a median 82 days on market, with the listing price down 0.21% month over month and down 5.05% year over year (Realtor.com[8]). Countywide, Realtor.com reports a median home price of $499,900 and average days on market of 81, while Zillow puts the county median list price at $572,283 and median days to pending at 48, suggesting the broader county is more expensive and a bit faster-moving than the city proper (Realtor.com[9], Zillow[10]). Beaufort also has 55+ options nearby, including Sea Island Collective in Beaufort and several active-adult communities in the wider area, so retirees can choose between resale homes and age-restricted new construction (NewHomeSource[11]).

Airport & travel Beaufort’s own airport is general aviation only, so most retirees will use Savannah or Charleston for commercial travel.

The Beaufort Executive Airport is a public general aviation airport on Lady’s Island, with FAA ID ARW, but it is not a commercial airline airport (South Carolina Aeronautics[12]). That means the practical commercial-air travel options are farther afield, typically Savannah/Hilton Head or Charleston, rather than a local jet airport in Beaufort itself (South Carolina Aeronautics[12]). For a retiree who flies several times a year, Beaufort is convenient enough for regional access, but not a true drive-to-airport market (South Carolina Aeronautics[12]).

Golf & recreation Golf is a genuine lifestyle draw here, and the Lowcountry setting adds boating, marsh walks, and outdoor dining.

Beaufort sits in a golf-rich part of the South Carolina Lowcountry, with Beaufort County also notable for its coastal outdoor recreation and warm climate that supports nearly year-round play (SC DNR Climate Data[4]). Golf course inventories from public directories are not a government source, so course counts and greens-fee ranges should be treated as indicative rather than authoritative here. The key retiree takeaway is that Beaufort supports an active outdoor routine, especially golf, walking, kayaking, and water-oriented recreation rather than snow-season activities (SC DNR Climate Data[4]).

Community & demographics Beaufort County is older than the U.S. average and already functions like a retirement-friendly coastal market.

Beaufort County’s 2020 Census population was 187,117, and 29.2% of residents were age 65 and over, which is a strong sign of a mature retirement market (Census QuickFacts[1]). Beaufort County’s median age is not shown here, but the 65-plus share suggests an older-than-average population and a substantial retiree presence (Census QuickFacts[1]). Beaufort’s appeal for retirees is the combination of historic downtown character, coastal access, and countywide services rather than big-city scale (Census QuickFacts[1]).

Hazard & air quality Beaufort County has relatively high composite hazard exposure, driven mainly by hurricane and flood risk.

The FEMA National Risk Index summary for Beaufort County gives the county a composite NRI score of 97.1 and a Relative Risk Rating of Relatively High (FEMA NRI summary[13]). Its listed hazard scores are Hurricane 99.5, Flood 94.2, Earthquake 93.6, Wildfire 90.3, and Tornado 82.0, which makes coastal storm and flood exposure the headline hazard issue for retirees (FEMA NRI summary[13]). EPA’s South Carolina page points residents to AirNow for current forecasts, but a Beaufort-specific annual good-air-days number is not given here (EPA South Carolina environmental information[14], AirNow map[15]).

Sources (17)

Numbered sources are the ones cited inline above.

  1. Census QuickFacts, Beaufort County
  2. Beaufort County Assessor FAQ
  3. Beaufort Memorial, About Us
  4. South Carolina State Climatology Office, Beaufort County climate data
  5. Beaufort MCAS climate normals summary
  6. Beaufort County crime overview
  7. Beaufort County Sheriff’s Office data and statistics
  8. Realtor.com Beaufort city market
  9. Realtor.com Beaufort County market
  10. Zillow Beaufort County housing market
  11. NewHomeSource 55+ communities near Beaufort
  12. Beaufort Executive Airport
  13. Beaufort County FEMA NRI summary
  14. EPA South Carolina environmental information
  15. AirNow interactive map

Also consulted, not cited inline.

Cost of living

103.6 cost-of-living index for a retired household (100 = U.S. average) — about 3.6% above the national average for retirees.

Groceries101.3
Housing112.1
Utilities92.9
Transportation97.9
Healthcare103.3
Misc. goods & services102.8

General-population composite: 102.0. The retired-household figure above weights spending the way a retiree actually spends rather than a general household, and is the more relevant number here.

C2ER Cost of Living Index (Expanded Edition), 2026 Q2 (as of 2026). A purchased, licensed index — not a live lookup — so it is refreshed by hand rather than on demand.
Beaufort is not tracked separately by C2ER; using Hilton Head Island SC, in the same metro area (Hilton Head Island-Bluffton-Port Royal, SC Metro Area).

Census figures

American Community Survey, 2020–2024 five-year estimates

Measure Figure
Total population Everyone living here, from the Census Bureau’s rolling five-year survey and controlled to its official population estimate — an average over the five years, not a headcount on one day. Source: Table B01001 on data.census.gov ↗ 15,579 plus or minus 32
Share of population aged 65+ calculated Residents aged 65 and over as a share of all residents, added up from the survey’s age brackets. It counts people living here year-round, so a town with many seasonal residents will read lower than it feels. Source: Table B01001 on data.census.gov ↗ 8.9% plus or minus 2.4 percentage points
Median household income The midpoint of what households here earned over the twelve months before they were surveyed — half earned more, half less. Not an average, and not per person: a household can be one earner or five. Research text elsewhere on this page may quote an income from a different source, year or boundary, so it will not match this figure. Source: Table B19013 on data.census.gov ↗ $74,870 plus or minus $11,108
Median home value The midpoint of what owners estimate their own homes are worth, across owner-occupied homes only. It is not a list price, not a sale price, and not an assessment, so it will not match a market figure quoted elsewhere on this page. Source: Table B25077 on data.census.gov ↗ $347,200 plus or minus $41,674
Median gross rent The midpoint of rent plus tenant-paid utilities across occupied rental homes — what sitting renters pay, not what is being advertised to someone moving in today. Source: Table B25064 on data.census.gov ↗ $1,726 plus or minus $143
Median real estate taxes paid The midpoint of the property tax actually paid by owner-occupied households, which reflects what they own and any exemptions they hold. It is not the rate a new buyer would pay on a purchase at today’s price. Source: Table B25103 on data.census.gov ↗ $2,010 plus or minus $313
Owner households spending 30%+ of income on housing calculated Owner households whose monthly housing costs — mortgage, taxes, insurance, utilities — take 30% or more of their income, out of the owner households for which that ratio can be computed. Renters are not in this figure. Source: Table B25091 on data.census.gov ↗ 28.3% plus or minus 9.7 percentage points This is a survey estimate and its margin of error is wide — about 34% of the figure itself, usually because the town is small. Treat it as a rough indication rather than a number to compare.

3 of 7 figures are precise enough to compare with another town. These are survey estimates, not a census count, and the margin of error is part of the figure.

Key details

RegionSC
AirportSAV or CHS, about 1 to 2 hr, regional airports
ClimateHumid subtropical; ~45 in rain; highs near 92 F; mild winters; best spring/fall
Lot size0.15–0.35 ac, often low-maintenance
Home type1,800–2,600 sq ft single-family coastal or Lowcountry-style home
Key watchHurricane exposure; flood and wind insurance; humid summers
HealthcareBeaufort Memorial, 201 beds; serious/specialist care often in Savannah or Charleston
Best seasonOctober – April
Top communityHabersham, Berkeley Hall area, Cat Island, Islands of Beaufort, Mink Point

In your free trial: more on Beaufort

Retirement taxes: Social Security not taxed · pensions and IRA withdrawals partly taxed · Typical home: $600K–$900K

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