Litchfield Beach, SC -- Unincorporated Waccamaw Neck, Three Miles North of Pawleys Island

Litchfield BeachNo Town Hall, No Boardwalk, a Rice-Plantation Past

Litchfield Beach is not a town. It has no mayor, no town council, and no separate municipal property tax bill -- it is an unincorporated census-designated place in Georgetown County, South Carolina, sitting on the Waccamaw Neck peninsula between the Atlantic Ocean and the Waccamaw River, about three miles north of the incorporated town of Pawleys Island. The community takes its name from Litchfield Plantation, one of the oldest rice plantations on the Waccamaw River, its formation traceable to three land grants King George III issued to Thomas Hepworth in 1710, 1711, and 1712; the plantation house that still stands today was built in 1740, and under the Tucker family the estate was producing roughly one million pounds of rice a year by 1850, at the height of a Georgetown County rice culture that ran from about 1750 to 1910 and made South Carolina the leading rice-producing state in the country. Modern Litchfield traces to the 1950s as "Retreat Beach," with the golf-and-resort community most buyers recognize today built out starting in the 1960s -- Litchfield Country Club's course opened in 1966 as the first golf course in the area, and The Litchfield Company spent roughly forty years developing amenitized resort neighborhoods stretching from the ocean to the Waccamaw River. Litchfield Beach and the surrounding Waccamaw Neck skew markedly older and quieter than Myrtle Beach fifteen miles north: aggregator demographic estimates (not an official Census release, and treated here as directional only) put the median age in Litchfield Beach at 64.1, with roughly 40.6% of residents 65 or older. Where a figure could not be independently confirmed this research pass -- an exact current combined property tax millage for a specific parcel, a Litchfield-specific windstorm insurance premium, or the precise flood zone for any individual address -- this page says so directly rather than inventing a number.

Government Status
Unincorporated census-designated place in Georgetown County -- no town government, no mayor, no separate municipal property tax layer, unlike incorporated Pawleys Island three miles south
Population & Age
8,370 year-round residents at the 2020 Census (the figure most sources cite; one aggregator states 8,702); demographic aggregators put the median age around 64.1, with roughly 40.6% of residents 65 or older
Price Point
Redfin snapshots put the Litchfield Beach median sale price around $532,000 to $729,000 across late-2025/early-2026 data pulls, with the gated Litchfield-by-the-Sea neighborhood running higher, near $770,000 median
Storm Record
Hurricane Hugo's September 1989 storm surge, reported as high as 18 feet on parts of the northern Grand Strand, destroyed roughly 100 homes at neighboring Pawleys Island and flooded downtown Georgetown -- the benchmark storm for this stretch of coast
At a glance — the numbers agents don't quote
Flood Zone Varies by Exact Parcel -- Get It Confirmed
No blanket flood-zone designation applies to all of Litchfield Beach. Oceanfront and barrier-island parcels are the type of location FEMA typically maps as V or VE (coastal high-hazard, wave-action zones); marsh-side, creek-side, and mainland-adjacent parcels closer to the Waccamaw River are the type more commonly mapped AE (storm-surge risk with reduced wave action) -- but this is a general pattern, not a parcel-specific determination.
This page does not state a flood zone or premium for any individual address. Confirm a specific parcel using FEMA's Map Service Center, the SC Flood IMPACT floodplain viewer (scfloodimpact.com), or Georgetown County Floodplain Management before budgeting a number.
Wind Coverage Runs Through the SC Wind Pool -- If the Parcel Qualifies
Georgetown County is one of five counties (with Beaufort, Charleston, Colleton, and Horry) inside the statutorily defined coastal territory eligible for the South Carolina Wind and Hail Underwriting Association (SCWHUA), the state's insurer of last resort for wind and hail. Eligibility is drawn by specific described zones under S.C. Code §38-75-310, not the whole county, so a parcel's eligibility has to be confirmed individually.
Wind Pool policies are wind/hail only and typically carry a percentage-based deductible, commonly 1-5% of the dwelling limit -- a 2% deductible on a $500,000 home is $10,000 out of pocket before the policy pays a wind claim. No Litchfield-specific premium figure was confirmed this research pass; get an actual quote from an SC-licensed coastal broker.
No New Seawalls Allowed -- State Law Requires Retreat and Renourishment
South Carolina's 1988 Beachfront Management Act prohibits construction of new seawalls and other hardened erosion-control structures anywhere on the state's coast, Litchfield Beach included, and instead commits the state to a policy of managed retreat from the eroding beach plus soft solutions like sand renourishment. Litchfield Beach's own south end has gone through a documented renourishment project, and neighboring Pawleys Island completed a $14.8 million, 1.1-million-cubic-yard renourishment after fifteen years without one.
This page did not confirm a current per-foot erosion rate or the cost/scope of the Litchfield-specific renourishment project beyond its existence. See this site's Beach Erosion Reality and Seawall & Bulkhead Guide pages for the fuller legal picture.
Hugo's 18-Foot Surge Is the Regional Benchmark
Hurricane Hugo made landfall near Charleston on September 21-22, 1989 as a Category 4 storm, but its counterclockwise wind field drove its worst storm surge -- reported as high as 18 feet in places -- into the Grand Strand north of the eye, not at the landfall point itself. At neighboring Pawleys Island, roughly 100 homes were lost, 44 of them on the narrow south end alone, with houses reportedly floated across the marsh onto the mainland; downtown Georgetown flooded and two marinas were destroyed.
No source found in this research pass separately itemized Hugo's specific damage count at Litchfield Beach as opposed to Pawleys Island or Georgetown -- Litchfield sits on the same exposed stretch of coast between the two, so comparable exposure is a reasonable inference, not a confirmed figure. See this site's Hurricane & Storm Risk page for more detail.

What Actually Makes Litchfield Beach Different

The single most important structural fact about Litchfield Beach is one many buyers coming from an incorporated beach town won't expect: it isn't one. Litchfield Beach is an unincorporated census-designated place in Georgetown County, South Carolina, with no town government, no mayor, no town council, no municipal police or fire department, and critically, no separate town-level property tax layer sitting on top of the county bill. That's a genuine structural difference from Pawleys Island, the incorporated town three miles south, which does levy its own municipal tax, and from Myrtle Beach fifteen miles north, whose town government sets its own rates and ordinances. At Litchfield Beach, county government -- Georgetown County -- is essentially the only layer of general-purpose local government a property owner deals with, alongside whatever private homeowners association governs the specific gated community or subdivision a given property sits in. That HOA layer matters more here, not less, precisely because there's no town hall setting community-wide rules.

The name comes directly from Litchfield Plantation, one of the oldest documented rice plantations on the Waccamaw River, its formation traceable to three land grants -- 500 acres in 1710, 420 acres in 1711, and 500 acres in 1712 -- issued by King George III to Thomas Hepworth. The plantation was named by a later owner, Peter Simon, with the earliest documented reference to the name appearing in his will, and the plantation house that still stands today was built in 1740. Under the Tucker family, who came to own and operate it, Litchfield Plantation's rice output grew to roughly one million pounds a year by 1850, at the height of a Georgetown County rice culture that ran from approximately 1750 to 1910 and made antebellum South Carolina the leading rice-producing state in the country. That plantation-era history isn't a footnote here -- it's the literal source of the community's name, and the 1740 plantation house survives today as the centerpiece of Litchfield Plantation, now a private residential community distinct from, but related to, the golf-course community called Litchfield Country Club, which was itself built on former Litchfield Plantation land.

The resort community most buyers recognize today is a mid-20th-century creation layered onto that older plantation landscape. Development traces to the 1950s under the name "Retreat Beach," with the golf-and-resort identity most associated with Litchfield today built out starting in the 1960s: Litchfield Country Club's course opened in 1966 as the first golf course in the immediate area, a 6,692-yard, par-72 layout that today anchors the twelve-course Waccamaw Golf Trail, marketed regionally as the Hammock Coast Golf Trail. The Litchfield Company spent roughly four decades developing a chain of amenitized resort neighborhoods stretching from the Atlantic Ocean to the Waccamaw River -- golf courses, a marina, and highly amenitized gated communities including Litchfield by the Sea, the area's most recognizable oceanfront resort neighborhood, with its own Beach Club, private waterpark, McConnell Golf Club (an 18-hole Greg Norman design), and Safe Harbour Marina on the Waccamaw River. Litchfield Beach & Golf Resort itself -- the hotel, Litchfield Racquet Club, and three golf courses -- is now owned and operated by Myrtle Beach National Company, a different entity from the original developer, a fairly common outcome for a resort property built up over decades.

Demographically and culturally, Litchfield Beach and the broader Waccamaw Neck skew markedly older, quieter, and more established than Myrtle Beach. Demographic aggregator data (not an official Census release, and treated here as directional rather than authoritative) puts the median age in Litchfield Beach at 64.1, with roughly 40.6% of residents 65 or older -- figures broadly consistent with the wider Waccamaw Neck area's reported median age near 60 and similar 65-and-over share. Georgetown County's own tourism arm has branded this stretch of coast -- Pawleys Island, Litchfield Beach, Murrells Inlet, DeBordieu, southern Garden City, the historic city of Georgetown, and Andrews -- as "the Hammock Coast" since 2010, explicitly marketing it to visitors more interested in history and natural scenery than the T-shirt shops and mini-golf of Myrtle Beach's commercial strip. That branding reflects something real on the ground at Litchfield specifically: a small commercial footprint of its own, a handful of public beach accesses shared mostly among residents and part-time owners rather than day-trip crowds, and a geography -- barrier-island beach on one side, Waccamaw River marsh and creek country on the other -- genuinely different from a straight oceanfront strip town.

Several practical facts that matter to a buyer were not independently confirmed at a level this page is willing to state as settled fact, and it does not invent them. Not confirmed: the exact current combined property tax millage (county plus school plus any fire district) for a specific Litchfield Beach parcel, since this page found Georgetown County's most recent detailed county-operating-millage breakdown (78.0 mills total, dated to the 2024 tax year) but not a current, itemized school-district or fire-district millage layered on top, nor the confirmed length of the county's reassessment cycle; a Litchfield-specific windstorm or flood insurance premium, as opposed to general South Carolina coastal ranges; the specific FEMA flood zone for any individual address; and a separately itemized Hurricane Hugo damage count for Litchfield Beach as distinct from neighboring Pawleys Island or Georgetown. Anyone seriously evaluating a purchase or move here should confirm current numbers directly with the Georgetown County Assessor and Tax Office, a South Carolina-licensed insurance broker familiar with coastal Wind Pool eligibility, and a Litchfield-area buyer's agent rather than assuming a figure found online is current.

Governing Tax Layer
County-only -- Georgetown County, no separate town/municipal property tax, since Litchfield Beach is unincorporated (unlike Pawleys Island or the City of Georgetown, both of which do levy their own municipal rate)
SC Assessment Ratio
4% of value for an owner-occupied legal residence (filed with the county assessor) versus 6% for a second home, investment property, or non-owner-occupied rental -- a real, statewide South Carolina rule that materially affects the tax bill on any Litchfield property not used as a primary residence
Median Home Price
Roughly $532,000 to $729,000 across Redfin snapshots from late 2025 into 2026, depending on exact date pulled and which named sub-area is measured; the gated Litchfield-by-the-Sea neighborhood ran closer to a $770,000 median in an early-2026 three-month window
County Operating Millage
78.0 mills total for county operating purposes as of the 2024 tax year (per Georgetown County's own published breakdown) -- this figure does not include school-district or fire-district millage, both of which also apply to a bill and were not separately confirmed this pass

Independent research. No ads. No sponsored listings. Facts here are drawn from: Wikipedia's and sciway.net's entries on Litchfield Beach, South Carolina and Litchfield Plantation for unincorporated status, the community's Waccamaw Neck location, its "Retreat Beach" 1950s origin, and Litchfield Plantation's land-grant and Tucker-family rice history; south-carolina-plantations.com and livecoastalsc.com for additional Litchfield Plantation historical detail; the Litchfield Company's own site (litchfieldbeach.com) and foundersgroupinternational.com for Litchfield Country Club's 1966 opening and the Litchfield Beach & Golf Resort's development and current ownership by Myrtle Beach National Company; litchfieldbythesea.com and dietercompany.com for Litchfield by the Sea's amenities, gate, and HOA resort fee; the U.S. Census Bureau (2020 Census) for the 8,370 population figure, cross-checked against worldpopulationreview.com and point2homes.com demographic-aggregator estimates for median age and 65-and-over share, explicitly flagged here as non-Census aggregator data; the South Carolina Department of Revenue's property tax policy manual and multiple SC county assessor sites (Jasper, Hampton, Spartanburg, Richland counties) for the statewide 4%/6% owner-occupied versus non-owner-occupied assessment ratio rule; Georgetown County's own site (gtcounty.org, gtcountysc.gov) for the 2024 county operating millage breakdown (78.0 mills total) and 2025 reassessment/rollback process; Live5News for the City of Georgetown's separate FY2026 municipal millage, cited specifically to show why it does not apply to unincorporated Litchfield Beach; scwind.com and multiple SC coastal insurance guides for the SC Wind and Hail Underwriting Association's statutory coastal territory and typical percentage-based deductibles; the South Carolina Law Review, the Coastal Conservation League, and DES.sc.gov for the 1988 Beachfront Management Act's ban on new seawalls and retreat/renourishment policy; the Post and Courier and Offshore Energy for Pawleys Island's and Litchfield Beach's beach renourishment history; the National Weather Service, WBTW, and the South Carolina Encyclopedia for Hurricane Hugo's September 1989 storm surge and damage at Pawleys Island and Georgetown; the Georgetown County School District's own site and U.S. News for the Waccamaw Elementary/Intermediate/Middle/High School feeder pattern; and the Georgetown County Chamber of Commerce and Post and Courier for the "Hammock Coast" tourism brand. Facts not independently confirmed and not invented here include: a current, itemized combined property tax millage (county plus school plus any fire district) for a specific Litchfield Beach parcel; the exact length of Georgetown County's reassessment cycle; a Litchfield-specific windstorm or flood insurance premium; the FEMA flood zone for any individual address; and a Hurricane Hugo damage count separately itemized for Litchfield Beach as opposed to neighboring Pawleys Island or Georgetown. Confirm all current figures directly with the Georgetown County Assessor and Tax Office, a licensed SC insurance broker, and a local buyer's agent before making a purchase, relocation, or investment decision. Nothing on this page is legal, tax, financial, or insurance advice.

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