Buying a home
Where can you buy a home with no HOA near Myrtle Beach?
16 areas where most homes have no fee.
By Devin Day, Operations Officer · Reviewed by Tim Nash, Broker-in-Charge · Updated October 22, 2026
Room for a boat, a truck and a shed, from Little River to Aynor.
The short answer
Almost every house for sale outside a named subdivision is listed with no homeowners association (HOA) fee, and so are about three in four built before 1990. Most are in the areas below, from beach streets and river towns to country land.
Where are they?
A boat at home, or a ramp within 10 minutes
Most houses within half a mile of the sand
Room to spread out
1. Downtown Myrtle Beach: the boardwalk on foot
From the older streets downtown, you can walk to the oceanfront boardwalk. From Collins Street it is about a quarter hour on foot. From the day after Labor Day through April, you can ride a bike or walk a dog on it at any hour.
Homes for sale in Downtown Myrtle Beach nowSee all 25
No HOA, as listed by the listing agent. Confirm before you buy.
Most of these houses are within half a mile of the beach. All of them are outside the high-risk flood zones, where the federal rule makes a lender require flood insurance.
Plyler Park on the oceanfront has free live music and a fireworks show on Wednesdays in summer. The older houses are on Collins, Chester and Dunbar Streets, and Spivey Park and the New Town Bark Park are on Collins Street too.
A trail with a wooden boardwalk is beside Withers Swash, one of the city's oldest waterways, from Third Avenue South to Broadway and Collins Street.
Lots are modest, about 9,000 square feet in a typical case. Inside the city, a camper may not be kept in the front yard, so it has to fit beside or behind the house.
Houses with no HOA fee here are listed at about $435,000.
2. Myrtle Heights: a beach path at the end of each avenue
In Myrtle Heights, the plan of the mid-1930s carried the avenues through to the beach, and those ends now give public access to the sand. From every house for sale here, a beach access is less than 5 minutes away on foot.
Homes for sale in Myrtle Heights nowSee all 6
No HOA, as listed by the listing agent. Confirm before you buy.
The same plan set a minimum setback of 75 feet for oceanfront houses. The district is on the National Register of Historic Places, which calls the Myrtle Heights-Oak Park district the largest intact group of historic properties in Myrtle Beach.
The houses, built from about 1925 to 1945, are mostly two-story frame homes, many with a garage or a garage apartment. You will see porches and wood awnings painted solid or striped to look like canvas. A few houses keep old walls of coquina rock or brick.
Back yards along Ocean Boulevard often have native wax myrtles, the plant the city is named for, along with red cedars, palmettos and windswept oaks.
Sea Captain's House, a restaurant in a 1930 beach cottage, is about a 9-minute walk from the middle of Myrtle Heights.
On an oceanfront house, a change to the outside, including its color, needs the city's Community Appearance Board. Ordinary repair does not.
Houses with no HOA fee here are listed at about $1.6 million.
3. Pine Lakes' older streets: almost half an acre in the middle of the city
The older Pine Lakes streets have big lots in the middle of the city: typically almost half an acre, more than twice a downtown lot. There is room for a workshop or a boat beside the house.
Homes for sale in Pine Lakes' older streets nowSee all 13
No HOA, as listed by the listing agent. Confirm before you buy.
The streets are around the golf course, which is less than half a mile from the ocean, on rolling land. The beach is about 0.6 mile on foot, at the Seaside Place street end, one of the city's fully accessible beach paths.
Ocean Forest Memorial Park, with a walking path, is at the Haskell Circle beach access, about half a mile on foot. North Ocean Boulevard has bike lanes.
A resident whose car is registered and taxed in the city gets a free parking decal. With it, you park free at city meters, at beach street ends and at Pelicans baseball games.
The city picks up trash, recycling and yard waste at the curb each week, for about $34 a month.
The Preserve at Pine Lakes, the newer section, has an HOA fee and is not counted here.
You pay for the room: houses here are listed at more than twice the downtown price, for more than twice the land.
Houses with no HOA fee here are listed at about $930,000.
4. Windy Hill: free day docks at Barefoot Landing
Windy Hill is 3 minutes by car from Barefoot Landing on the Intracoastal Waterway. Come by boat, and you can use the finger docks free for the day while you shop or eat.
Homes for sale in Windy Hill nowSee all 24
No HOA, as listed by the listing agent. Confirm before you buy.
The Alabama Theatre and House of Blues are on the same grounds. Barefoot Landing welcomes leashed pets all year, and many of its shops let them inside.
Most houses for sale here are within a 10-minute walk of a public beach access. Inside North Myrtle Beach, a work truck up to 18,500 pounds may park at home.
On 41st Avenue South, a pocket park with garden plantings, two pergolas and a walking path is on the site of the old water tower. Conway investors developed Windy Hill after World War II, and in 1968 it joined Cherry Grove, Ocean Drive and Crescent Beach to form North Myrtle Beach.
Flood is the cost here. About half of these houses are in a high-risk flood zone, and with a mortgage your lender will almost always require flood insurance.
Houses with no HOA fee here are listed at about $745,000.
5. Crescent Beach: half a mile on foot to a beach access
Most houses for sale in Crescent Beach are less than half a mile on foot from a public beach access. From 6th to 27th Avenue South, the beach is one of the city's three surf zones. From mid-May to mid-September, boards are banned from 9 to 4 on the rest of the beach, but you can surf here.
Homes for sale in Crescent Beach nowSee all 51
No HOA, as listed by the listing agent. Confirm before you buy.
Ingram Dunes Nature Preserve, on Hillside Drive, is the city's last remaining maritime forest. It has native dunes 30 feet tall and an interpretive half-mile nature trail.
Most are older beach houses, on streets such as Hillside Drive, Holly Drive, Perrin Drive and Strand Avenue. Few of them need flood insurance for a mortgage. In Cherry Grove, almost every home does.
In the middle of Crescent Beach, the 18th and Edge pocket park has benches and a fountain. Central Park, 20 acres with lighted tennis courts, pickleball courts and a paved walking path, is about 0.7 mile away.
City beach lots charge for parking from March through October. Residents register their plates each year for free passes.
Lots are small, about 7,600 square feet. Under the city's rule, a trailer or camper goes behind the front of the house or under a carport. That takes a carport, or room beside or behind the house.
Houses with no HOA fee here are listed at about $755,000.
6. Ocean Drive: Main Street and the shag
On Main Street in Ocean Drive, you can learn the shag free on Tuesday nights. Fat Harold's Beach Club calls itself the Home of the Shag and teaches the dance.
Homes for sale in Ocean Drive nowSee all 43
No HOA, as listed by the listing agent. Confirm before you buy.
In the Ocean Drive and Crescent Beach area, a pavilion and amusement park drew crowds who danced the shag.
A Saturday here can start with breakfast at Hoskins Restaurant on Main Street, which opened in 1948.
The North Myrtle Beach Area Historical Museum is free, and its exhibits include beach music artists and shag dancing. McLean Park, a quarter mile from Hoskins on foot, has a two-acre lake and a half-mile paved walking path.
Each summer, the city holds free Music on Main concerts on Thursdays at the Horseshoe. Each December, a nighttime Christmas parade comes up Main Street. Few of the houses for sale here with no fee need flood insurance for a mortgage.
Crowds come with it: on concert nights Main Street closes to cars in the afternoon, and the St. Patrick's festival draws about 40,000 people.
Houses with no HOA fee here are listed at about $665,000.
7. Cherry Grove: a boat on the canals
Cherry Grove's canals were created as early as the 1950s. The city has dredged canals there twice since 2016, to give owners boat access to House Creek and the Intracoastal Waterway at high and low tide.
Homes for sale in Cherry Grove nowSee all 58
No HOA, as listed by the listing agent. Confirm before you buy.
The city's boat ramp at 53rd Avenue North reaches both the marsh and the open ocean through Hog Inlet. It has a two-lane boat launch, a kayak launch, a fishing pier, a floating boat dock and a fish cleaning station.
North Myrtle Beach residents park free at the ramp when they register with the city. It is also the way in to Heritage Shores Nature Preserve, an island in the marsh reached on elevated boardwalks.
Many of the canal houses have their own docks, so the boat stays behind the house. Across Hog Inlet, Waties Island has almost three miles of undeveloped beach.
Each July 4, the city's free fireworks go up at the Cherry Grove Pier. The homes here with an HOA fee are all in named subdivisions.
Two costs come with the canals: flood insurance and a dredging fee. Almost every home here is in a high-risk flood zone. Owners of about 415 properties in the canal district pay the city about $1,700 a year for the dredging, on the county tax bill.
Houses with no HOA fee here are listed at about $850,000.
8. Little River: the old fishing village on the waterway
The houses on Little River's old waterfront streets are less than a mile from the docks on Mineola Avenue, on the Intracoastal Waterway. Local boatmen began taking visitors fishing for a fee there, probably in the early 1920s. They ran the first organized offshore fishing trips for visitors in South Carolina.
Homes for sale in Little River nowSee all 10
No HOA, as listed by the listing agent. Confirm before you buy.
Hurricane Juel's, with a view of the waterway, has been family owned since 1945.
The waterfront holds the Blue Crab Festival each May, on the weekend after Mother's Day; a TV station reported more than 30,000 people there in 2026. ShrimpFest follows each October. On the Saturday after Thanksgiving, a lighted boat parade leaves Little River Inlet and heads down the waterway.
The county's T. Craig Campbell boat landing is on the waterway in town. After the inlet's jetties were finished in 1983, boats could cross the bar at any time of day. The state keeps an artificial fishing reef off the inlet.
Vereen Memorial Historical Gardens, a county park on the waterway, has about 3 miles of trails and boardwalks through its gardens and along the water. Some of the houses for sale are new, on Mineola and Ellis Avenues; others are on McCorsley Avenue and Bayshore Drive.
The beach takes a drive: none of these houses is within a mile of the ocean.
Houses with no HOA fee here are listed at about $420,000.
9. Socastee: a county boat ramp 2 minutes away
Rosewood Landing, a county boat ramp on the Intracoastal Waterway, is 2 minutes by car from these streets. Socastee Landing and Park has a second ramp and a new accessible playground. The swing bridge at Socastee, finished in 1935, marked the completion of the Intracoastal Waterway in South Carolina. The waterway's opening celebration was held in Socastee in April 1936.
Homes for sale in Socastee nowSee all 10
No HOA, as listed by the listing agent. Confirm before you buy.
These streets are outside any town, so the county's rules apply. County zoning names no limit on where you park a boat. Outdoor storage may not be in front of the house, and a small shed can go 5 feet from the line.
Most are 1980s houses in Rosewood Estates and Cimerron Plantation.
Socastee Recreation Park has fields, picnic areas, disc golf, trails and a playground. Market Common and Coastal Grand Mall are each about 10 minutes away, and the beach at Surfside is about 15 minutes by car.
Flood insurance is the extra cost to plan for: about a third of these houses need it if you buy with a mortgage.
Houses with no HOA fee here are listed at about $250,000, the lowest on this page.
10. Surfside Beach: two boats at home and golf carts on the streets
In Surfside Beach, the town allows up to two boats or trailers at a home, and only one over 21 feet. A permitted golf cart may be driven in daylight within four miles of home, on streets posted at 35 miles an hour or less.
Homes for sale in Surfside Beach nowSee all 81
No HOA, as listed by the listing agent. Confirm before you buy.
The town has live oaks well over a century old and 36 public beach accesses. In 2016 Surfside Beach became the first town certified autism-friendly through the Champion Autism Network.
The town holds a farmers market on Tuesdays from spring into December in Memorial Park, and free Sunday afternoon concerts there from late May through August. Each July 4, a golf cart parade goes down Ocean Boulevard.
Each October, the fall festival has more than 100 craft vendors. Fireworks may be set off on the sand from sunset on July 4 and on New Year's Eve, but not within 500 feet of the pier.
The town picks up trash at the curb, and it has more than nine miles of sidewalk.
One cost to know on the ocean side: about 1 in 4 homes there needs flood insurance if you buy with a mortgage.
Houses with no HOA fee here are listed at about $940,000.
11. Garden City Beach: a free pier walk and free beach parking
The Pier at Garden City is always free to walk, and every oceanfront beach access in Garden City has free parking all year. On summer nights, live bands play at both ends of the pier.
Homes for sale in Garden City Beach nowSee all 85
No HOA, as listed by the listing agent. Confirm before you buy.
A pier pass covers fishing, so you need no state license. Its Hugo burger is named for the 1989 hurricane that destroyed the pier.
Most of the houses for sale here are within half a mile of the shore. The county's Stanley Drive landing is a 5-minute drive.
Each July 4, decorated boats start at the point of Garden City Beach and parade through Murrells Inlet.
Budget for flood insurance: with a mortgage, a lender will almost always require it on most of these houses.
Houses with no HOA fee here are listed at about $1.4 million.
12. Murrells Inlet's north end: by the creeks and the county boat ramp
At the north end of Murrells Inlet, some of the houses for sale are on the creeks of the inlet, and the rest are a few streets back. The county's boat landing on Stanley Drive is a 4-minute drive, and several houses on the market lately have their own floating dock.
Homes for sale in Murrells Inlet's north end nowSee all 13
No HOA, as listed by the listing agent. Confirm before you buy.
People first came to the inlet for oyster roasts and fried shore dinners, and seafood restaurants followed. The MarshWalk, a half-mile wooden boardwalk along the salt marsh with a row of restaurants, is about 6 minutes away by car. The writer Mickey Spillane made Murrells Inlet his home for decades.
The free pier walk and free beach parking at Garden City Beach are a 6-minute drive across the marsh. Brookgreen Gardens, with its sculpture gardens on four former rice plantations, is about 15 minutes away by car.
Murrells Inlet is not a town, so the county's rules apply on most of these streets. The south part is in Georgetown County. There, a vehicle or travel trailer without current plates has to be kept in a closed building.
Flood is the honest cost: more than half of these houses are in a high-risk flood zone.
Houses with no HOA fee here are listed at about $820,000.
13. Conway: live oaks and the Waccamaw River
Conway's older streets were designed around its live oaks, on a bluff of the Waccamaw River. The Riverwalk follows the river downtown, and the Waccamaw is a federal National Water Trail.
Homes for sale in Conway nowSee all 25
No HOA, as listed by the listing agent. Confirm before you buy.
In town, lots are about 15,000 square feet. Inside the city, a camper or a trailer can go in the side or back yard or under a carport. A shed goes in back, with a permit.
The oldest streets form a National Register district. Its houses range from Greek Revival and Carpenter Gothic through Queen Anne to 1920s bungalows, one of them with a porch around three sides. City Hall is the old Horry County courthouse, finished in 1825 to a design credited to Robert Mills. Its courtroom still holds city court every week.
The Horry County Museum is in the restored 1905 Burroughs School, about a quarter hour on foot from downtown. Riverfest brings music and fireworks to the river on the Saturday before the Fourth of July weekend, and the Celebration of Lights opens each December.
Billy Witherspoon Landing, a county ramp on the Waccamaw, is a 6-minute drive. Conway Medical Center is a 12-minute drive.
The beach is a 25-minute drive.
Houses with no HOA fee here are listed at about $285,000.
14. Loris: a small town with its own hospital
Loris is a small town with its own hospital: McLeod Loris, with an emergency room, is in town. The older houses were built from the 1940s to the 1970s, on lots of about 0.4 acre. By 1914 Loris was known as the Gate City, because it was the first town on the railroad south of the North Carolina line.
Homes for sale in Loris nowSee all 16
No HOA, as listed by the listing agent. Confirm before you buy.
City zoning allows up to two buildings beside the house, a garage or carport included, so there is room for a workshop. A work truck up to 2 tons may park at home.
The Main Street library lends cake pans, state park passes and Wi-Fi hotspots.
On the third Saturday in October, the city holds the Loris Bog-Off downtown, with vendors, a car show and live music. The festival's dish is chicken bog: chicken, rice and sausage.
You drive more from here: the beach is about 35 minutes by car.
Houses with no HOA fee here are listed at about $320,000.
15. The country around Loris: new houses on large lots
Around Loris, most houses for sale are new, built in 2024 or later, outside any town limits. Many of the new houses are on lots of about 0.7 acre, with room for a camper, a trailer and a shop under the county's rules.
Homes for sale in The country around Loris nowSee all 26
No HOA, as listed by the listing agent. Confirm before you buy.
The Waccamaw River Heritage Preserve protects 28 miles of the Waccamaw River, with riverside camping on its land.
For a work truck, the county lets a business run from home keep three service vehicles on a farm-zoned lot under an acre and a half. McLeod Loris hospital is about 9 minutes away by car.
Outside the towns, a small shed can go 5 feet from the line, and fences can be 8 feet tall. The Solid Waste Authority provides no curbside trash pickup there, so you hire a hauler or use a county drop-off center.
Houses with no HOA fee here are listed at about $415,000.
16. Aynor: an acre and a river landing
Around Aynor, lots are typically about an acre, with room beside the house for a boat or a camper. More than half of the houses for sale here are new.
Homes for sale in Aynor nowSee all 13
No HOA, as listed by the listing agent. Confirm before you buy.
Galivants Ferry Landing, a county ramp on the Little Pee Dee River, is about 6 minutes from the center of town. The Little Pee Dee is popular with canoes, kayaks and small powerboats.
At Galivants Ferry, the old farm houses have full-width front porches on brick piers. Some were built from wood cut on the farm itself, and the district has log tobacco barns. Galivants Ferry has also held a political speaking, the Stump, since 1880.
Each September, almost 25,000 people come to the Aynor Harvest Hoe-Down, a festival the Pilot Club of Aynor started. In the town of Aynor, zoning does not limit a camper or a work truck at home. Most of these houses are outside the town, under county rules.
You will drive more: about 45 minutes to the beach, and about 30 to the nearest hospital, Conway Medical Center.
Houses with no HOA fee here are listed at about $370,000.
What can you do at home with no HOA?
With no HOA, the limits on parking, rentals and buildings on your lot are the town's, or the county's outside the towns, along with any deed restriction. Most of the homes with no HOA fee around Conway, Loris and Aynor are outside the town limits, under the county's rules.
| Where the home is | Boat | Work truck | Short-term rental | Shed or fence |
|---|---|---|---|---|
| Outside the townsHorry County | County zoning names no limit on where you park a boat, but outdoor storage may not be in front of the house. | A business run from home may keep two service vehicles per acre, and three per home on small farm-zoned lots. | Only in some zones. County zoning does not list short stays, so the zoning office decides where one fits, and short stays pay county taxes. | One small shed can sit 5 feet from the line. Fences can be 8 feet tall; over 7 feet needs a permit. |
| Myrtle Beach | A boat over 16 feet, or a camper of any size, stays out of the front yard. | Yes, one, and no vehicle over one ton. | Only in some zones: the resort and business zones and one residential zone, not the single-family zones. | Yes, with a permit. Fences are 4 feet in front and up to 8 in back, but 4 feet all around on an oceanfront lot. |
| North Myrtle Beach | Yes, behind the front of the house or under a carport. | Yes, up to 18,500 pounds. | Yes: zoning does not generally limit it. You need a business license, and it does not pass to you when the home sells. | One shed up to 150 square feet, behind the house, in most home zones. East of Ocean Boulevard, side-yard fences are not allowed, except low rail fences, pool fences and glass-topped fences. |
| Surfside Beach | Yes, up to two boats or trailers, but a licensed trailer over 21 feet counts as one per home. An unlicensed boat goes in a garage or under a cover. | Yes, one van or pickup up to 21 feet long and 7 feet 11 inches high. | Only in some zones: stays under 30 days are allowed in two zones. Rentals of a year or more are allowed wherever homes are. | Yes, in the back yard, with a permit. Fences are 4 feet in front and 6 in back. |
| Conway | Yes, in the side or back yard, or under a carport. | Yes, but a big work truck may not park on a city street. | Only in some zones: downtown and the business areas, not on home streets. | Yes, with a permit, in the back yard. Fences are 4 feet in front and up to 8 in back. |
| Loris | A boat over 17 feet stays out of the front and side setbacks and 5 feet from the back line. | Yes, one, up to 2 tons. | Not a listed use in city zoning, and a use not listed is not permitted. We ask the city about the address. | Up to two buildings, a garage or carport included, in the side or back yard. |
| Aynor | The town's zoning does not limit it. | No limit in the town's zoning. | Only with approval: the town's zoning does not list short stays, and the zoning appeals board may approve a use of the same general character as a listed one. | Yes, in the back yard, 5 feet from the line. |
Before you make an offer, we check the town or county rules for that lot, the deed for restrictions and the county records for an HOA.
In Myrtle Beach, North Myrtle Beach and Surfside Beach, renting out a home needs a business license. In the towns, you can leave a boat in the driveway for a day to load and unload. On county roads, the county bans parking only where it posts a sign.
Example: Teresa wants a home with no HOA and room for her 20-foot boat. She likes a house on a small lot with a Myrtle Beach address.
Her Chapter3 agent finds the house on the county map, inside the city of Myrtle Beach. The city's front-yard rule applies to her boat, and that lot has no other room for it.
The agent shows her houses outside the city limits, under the county's rules. Teresa makes an offer on one with a wide side yard.
What does a house with no HOA fee cost?
The largest group, about 280 houses, is listed from $250,000 to $500,000, most of them around Conway, Loris and Aynor. The rest:
- About 60 houses for sale under $250,000, most of them built before 1990 and about half in and around Conway.
- About 130 from $500,000 to $750,000, a third of them within half a mile of the beach.
- About 220 at $750,000 and up, about 2 in 3 of them within half a mile of the beach.
Our guide to the most affordable places to buy near Myrtle Beach compares the towns.
Get the homes with no HOA fee in your price range.
Tell us your range and the areas you like. One of our agents sends the homes for sale in it.
Get the listWhat do you give up with no HOA?
No HOA means no shared pool, clubhouse or gate, and no HOA rules for your neighbors' houses either. A home with no HOA can still have deed restrictions on what you build or keep there.
If you want a pool, a clubhouse or a gate, you pay an HOA fee for them. Our guides to the best neighborhoods for what you want nearby and to gated communities around Myrtle Beach show where to look. Our guide to The Farm at Carolina Forest shows one Carolina Forest neighborhood, and our guide to what HOA fees cover explains each part of a fee.
Common questions
Homes with no HOA FAQ
Can I park a boat at my house in Myrtle Beach?
Yes, on your own lot, within the rule of the town it is in; the table under What can you do at home gives each one.
Which areas near Myrtle Beach almost always have an HOA?
Carolina Forest, the Grande Dunes, the Market Common and Burgess: almost every home for sale there has an HOA fee. Almost all homes for sale in Little River's named subdivisions have an HOA fee too. Longs and the country around Conway look rural, but most homes for sale there have an HOA fee too.
Are there homes with no HOA in Murrells Inlet?
Yes, but only a little more than 1 in 4 homes for sale with a Murrells Inlet address is listed with no HOA fee. At the north end of the inlet, by the creeks and the Stanley Drive landing, almost every house for sale has none.
Are there homes with no HOA in North Myrtle Beach?
Yes. More than half of the homes for sale with a North Myrtle Beach address are listed with no HOA fee. Almost all of them are in Cherry Grove, Crescent Beach, Windy Hill and Ocean Drive.
What is a typical HOA fee in Myrtle Beach?
About $95 a month on a house. A condo fee is much higher because it includes the building's insurance, water and sewer, trash and a pool.
Can you buy a condo with no HOA fee in Myrtle Beach?
Almost never. Of about 2,700 condos for sale around Myrtle Beach, only one was listed with no HOA fee. South Carolina law makes condo owners share the cost of the building.
Does a listing with no HOA fee mean the home has no HOA?
Not always. A blank fee means no fee was listed. We check the deed and the county records for an HOA before you make an offer.
Is a campground home with no HOA fee a no-HOA home?
No. A campground home has no HOA fee, but it sits on leased land, and you pay a yearly lease for the land under it.
Sources: town and county codes, county boat landings, county home business rule, S.C. condominium law, trash service, S.C. Encyclopedia. Homes for sale in the local MLS, on October 13, 2026; list prices; homes on leased land left out. Areas are MLS areas or a distance from a town center or a boat landing; flood zones and lots from county and federal maps. Drive times without traffic. Not legal advice.
Get the homes with no HOA fee in the areas you like.
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