Real Estate Investing in Bluffton, South Carolina (29910)

Everything the listing leaves out — vacancy, rent trend, cap rate, landlord climate. All free.

Beaufort County • Population: 50,173 • Data updated: September 2026

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Should you buy in 29910 (Bluffton, SC)? Our answer, based on the numbers below.

🏠 For Homebuyers
MIXED
Grade C (58/100)

Mixed — home prices are stretched relative to local incomes. Run the math on your specific situation.

📈 For Investors
MIXED
3.0 / 5 (47/100)

A middle-of-the-road market. Workable, but the best opportunities may be nearby ZIPs rather than this one.

⚠️ Risks to Know
1 flag
  • Elevated vacancy: 10.9% vacancy may signal weakening demand.

What’s happening in Bluffton, SC (29910)?

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3.0/ 5

Investability

Overall investment appeal

3.0/ 5

Appreciation

Long-term value growth

3.0/ 5

Cashflow ROI

Rental yield potential

Avg Home Value $523,459
Avg Monthly Rent $2,060
1% Rule ✗ Does Not Meet
Median Income $92,421
% Renters 23.8%

Market Analysis: 29910 Bluffton

Turning to rents, ZIP 29910 has challenges — vacancy pressure, softer price growth, and tenant stability concerns sit alongside the $523K median. It rewards specialists, not generalists.

The investment case in 29910 is durable only for operators who understand what they are buying. A $523K median suggests accessibility, but management intensity, vacancy drift, and capex surprises are real.

Nearby ZIPs in Bluffton have seen price recovery that 29910 has not matched. Beaufort County data supports the view that the spread is structural rather than temporary.

The 29910 ZIP's population of 50,173 has faced economic pressure over the last decade. That pressure shows up in rent delinquency patterns that registers the need for careful underwriting.

Distressed ZIPs reward experience. resilient returns are possible in 29910, but they flow to investors who already understand how to operate in soft markets.

Explore the Data — Click a Tab Below
🏦 Current 30-yr Fixed Mortgage Rate: 6.76% as of Sep 10 Source: Freddie Mac PMMS

Here's what matters if you're considering buying a home in Bluffton:

B Good
Buy Confidence Score: 71/100
Affordability
10/25
Appreciation
22/25
Stability
14/20
Timing
10/15
Rental backup
15/15
Affordability
Expensive
Homes cost 5.7× the median income
Value Trend
Stable (+0.7%)
How home values changed in the past year
Rental Backup
Strong
Could rent for $2,060/mo if you need to move
Market Conditions
COOL
More inventory, negotiating room for buyers
Bottom Line: Mixed signals in this market. Research specific properties carefully and be prepared to negotiate.
❄️
COOL MARKET
Hilton Head Island-Bluffton, SC Metro Area
More inventory, negotiating room for buyers
80 days
Average time to sell
Slow
8.0%
Listings with price cuts
Few Cuts
0.0%
Sale price vs asking
Below Ask
0.0%
Income needed for mortgage
Affordable
📅 Market conditions as of August 29, 2026 — updated weekly from Hilton Head Island-Bluffton, SC metro data
🏠

Property Strategy for 29910

Which property type performs best in this market?

Best for Cash Flow
2BR
5.3% cap rate
Best for Appreciation
5BR
+12.2% 5yr CAGR
Best Overall Value
2BR
$153,069/bedroom
📊 Compare All Property Types →
Type Median Value Est. Rent Cap Rate 5yr CAGR $/Bedroom
1BR $374,173 $2,050 3.9% +10.3% $374,173
2BR $306,138 $2,250 5.3% +9.1% $153,069
3BR $474,785 $2,700 4.1% +9.4% $158,262
4BR $671,933 $3,370 3.6% +9.9% $167,983
5BR $1,062,760 +12.2% $212,552

Market Trends

Home Value History (with trend line)

$550K$476K$402K$328K$253K$179KJul 2006Jul 2016Jul 2026

Rent History (with trend line)

$2,315$2,090$1,866$1,641$1,417$1,192Jul 2016Jul 2021Jul 2026

📊 How Does 29910 Compare?

Metric 29910 Bluffton Hilton Head Island-Bluffton, SC South Carolina
Home Value $523,459 $561,222 N/A $299,690
5-Year CAGR 6.6% 6.8% N/A 7.3%
Avg Rent $2,060 $2,151 N/A -
Cap Rate 3.1% 3.1% - -
💡 Why Invest in 29910? Click to expand

With a 3/5 investability rating, this ZIP shows solid fundamentals for buy-and-hold investors.

📊 See where this ZIP ranks in our Best-of lists →
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Landlord Ground Truth

Real numbers from people who own or manage rentals in ZIP 29910 (Bluffton, SC). Anonymous, moderated, never written by AI.

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Investability
Good
Cap Rate
3.1%
Low
5yr Growth
+6.6%
Strong

📊 Market Snapshot

Home Value $523,459
Monthly Rent $2,060
Price-to-Rent 21.2:1
1% Rule ✗ Fails

💰 Return Metrics

Gross Yield 4.7%
Cap Rate 3.1%
5-Year IRR 9.7%

📈 Home Appreciation

1-Year +0.7% ▲
3-Year CAGR +1.4% ▲
5-Year CAGR +6.6% ▲
10-Year CAGR +6.4% ▲

🏠 Rent Trends

1-Year -6.5% ▼
3-Year CAGR -2.4% ▼
5-Year CAGR +2.9% ▲
Negative Leverage — IRR / Tax Play Cap Rate: 3.1%  |  30yr Rate: 6.8%
Leverage reduces cash returns at current rates.

The current 30-yr mortgage rate (6.8%) exceeds the estimated cap rate (3.1%). Financing reduces your cash-on-cash return below the cap rate. Markets like this may still make sense as IRR plays — factoring in appreciation, depreciation, and a future refinance when rates drop.

Run an IRR Analysis →

⚠️ Risk Signals

Composite view of factors that can impact a ZIP's stability and your downside risk.

Vacancy
10.9%
Moderate risk
Landlord Climate
5.0/5
Friendly
Value Trend (5yr)
+6.6%
Growing
Eviction process: Fast Rent control: Favorable

Demographics in 29910

Population: 50,173

💰 Median Household Income
$92,421
This area
$92,421
State
$58,636
USA
$74,580
🏠 Renter Occupied
23.8%
This area
23.8%
State
26.9%
USA
34.0%
💼 Unemployment Rate
1.6%
This area
1.6%
State
-1.4%
USA
3.7%
🎓 College Educated
44.5%
This area
44.5%
State
14.2%
USA
33.7%
👤 Median Age
41.6 years
This area
41.6 years
State
22.7 years
USA
38.9 years
🏚️ Vacancy Rate
10.9%
This area
10.9%
State
17.5%
USA
10.5%
👥 Population by Ethnicity
White 77.4%
Other/Mixed 15.2%
Hispanic/Latino 12.7%
Black/African American 6.9%
Asian 0.6%
👶 Under 18
22.6%
This area
22.6%
USA
22.0%
👴 65 and Over
19.7%
This area
19.7%
USA
17.3%
📊 Poverty Rate
5.7%
This area
5.7%
USA
11.5%

Crime & Safety

🚧

Crime & Safety Data Coming Soon

We're integrating comprehensive crime statistics including violent crime rates, property crime, and safety scores to help you make informed investment decisions.

Expected: Q1 2025

🎓 Schools in 29910

A+ Avg School Grade
9 Schools
12.4:1 Avg Class Size
$22,414 Avg Per Pupil

Schools in This ZIP Code

A+ Excellent

Bluffton Elementary

📚 Pre-K – 05 Elementary
👥
714 Students
👨‍🏫
10.5:1 Class Size
💰
$22,414 Per Student
A+ Excellent

Michael C. Riley Elementary

📚 Pre-K – 05 Elementary
👥
718 Students
👨‍🏫
9.3:1 Class Size
💰
$22,414 Per Student
A+ Excellent

Red Cedar Elementary

📚 Pre-K – 05 Elementary
👥
643 Students
👨‍🏫
11.5:1 Class Size
💰
$22,414 Per Student
A+ Excellent

Pritchardville Elementary

📚 Pre-K – 05 Elementary
👥
939 Students
👨‍🏫
11.3:1 Class Size
💰
$22,414 Per Student
A+ Excellent

Bluffton Middle

📚 06 – 08 Middle
👥
917 Students
👨‍🏫
14.0:1 Class Size
💰
$22,414 Per Student
A+ Excellent

H. E. McCracken Middle

📚 06 – 08 Middle
👥
892 Students
👨‍🏫
12.6:1 Class Size
💰
$22,414 Per Student
A Very Good

Bluffton High

📚 09 – 12 High School
👥
1,384 Students
👨‍🏫
14.1:1 Class Size
💰
$22,414 Per Student
A Very Good

River Ridge Academy

📚 Pre-K – 08 School
👥
1,138 Students
👨‍🏫
12.8:1 Class Size
💰
$22,414 Per Student
B+ Above Average

May River High

📚 09 – 12 High School
👥
1,665 Students
👨‍🏫
15.2:1 Class Size
💰
$22,414 Per Student
About Repit School Scores

Traditional school ratings rely heavily on standardized test scores, which often reflect family income more than school quality. Repit takes a different approach.

We evaluate schools based on factors that research shows actually impact educational outcomes:

  • Class Size — Smaller classes mean more individual attention
  • School Funding — Resources available for programs, staff, and facilities
  • Community Factors — Neighborhood characteristics that influence student success
  • School Environment — Size, type, and structure

Scores are updated annually using federal education data.

🎓 Nearby Colleges & Universities

1 Nearby 101 Off-Campus Students
C+
University of South Carolina Beaufort
2,121 students · 7.8 mi

Frequently Asked Questions

Is Bluffton, SC a good market for FHA house hackers?

For house hackers, Bluffton, SC is a challenging. The $2,060/mo rent on a unit helps defray the mortgage on a $523K property.

Are renters plentiful in Bluffton, SC?

Tenant demand in Bluffton, SC is solid. The local workforce $2,060/mo rents across most rental classes.

Is housing expensive in Bluffton, SC?

In Bluffton, SC the median home value sits at $523K. Against the broader SC market, that reads as reasonable for most investors.

Should investors consider Bluffton, SC?

Investors tracking Bluffton, SC will find a 3.0/5 rating supported by $523K median home values and $2,060/mo rents. That profile suits long-term holders targeting steady returns.

Which investment style suits Bluffton, SC?

Bluffton, SC investors pursuing careful cash-flow rentals with hands-on management. The underlying economics ($523K prices, $2,060/mo rents) make it a reasonable choice.

You know 29910 now. You don’t know where it ranks.

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How 29910 ranks in Hilton Head Island-Bluffton, SC

Every ZIP in this metro, ranked. Free.

Cash Flow → Appreciation → Affordable →
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