ZIP Code 29928 — Hilton Head Island town, SC Demographics & Data

ZIP code 29928 covers Hilton Head Island, SC in Beaufort County with a population of about 15,178.

At a glance, the area shows median age of 63.8 versus a U.S. median of about 38.9.

It sits in telephone area codes 843, 854; U.S. House district SC-1; the SAVANNAH media market.

Hilton Head Island, SC fits a retirement-oriented profile (high share of residents 65+ (47.8%)). Residents and relocators commonly research healthcare access, everyday amenities (dining, personal services), and housing costs rather than tech or campus life.

Median household income in ZIP 29928 is about $97,979 — about 30% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 6.8%; unemployment rate near 2.8%; 63.0% of adults with a bachelor’s degree or higher (about 29.3 points above the national share (33.7%)).

Labor and commute patterns include leading industry context around Retail trade, Food services, and Professional services; about 25.1% of workers reporting work-from-home (about 9.9 points above the U.S. share (15.2%)); a mean commute of about 180.0 minutes (U.S. average near 26.8).

Median home value is about $776,600 — about 123% above the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $1,659 (about 43% above the U.S. median rent ($1,163)), and owner-occupancy near 83.5% (about 18.1 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 29928 in Hilton Head Island, SC, a household would need roughly $214,000 in annual income under a 20% down, 30-year loan at 6.8% (illustrative), keeping housing costs near 28% of income. Estimated monthly PITI is about $4,989. That is about 118% above the local median household income ($97,979), so the median earner would likely stretch or need a larger down payment. Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

FEMA’s National Risk Index rates natural-hazard risk for Hilton Head Island town, SC as Relatively High (composite score 97.1), which is among the highest nationally. The strongest component scores on US5 are hurricane (99.5) and wildfire (90.3). These scores are county-linked NRI values published for planning context — all ZIP codes in the same county share the same composite score on US5. Useful when comparing insurance and disaster exposure across areas, not a substitute for a parcel-level flood or fire determination.

Climate normals for Hilton Head Island town, SC show little to no average snow.

IRS migration statistics show a net inflow of about 607 for ZIP 29928 (Hilton Head Island town, SC) on US5’s published series — a signal of people/tax filers moving in relative to those leaving. Inflows often track job growth, housing demand, or lifestyle migration; treat the figure as a directional indicator rather than a precise headcount.