Chatham County, GA -- Savannah's Closest Beach, and a Barrier Island Currently Losing a Federal Funding Fight

Tybee IslandA Real Barrier Island, Not a Postcard

Tybee Island is a small, independently incorporated city -- its own mayor and city council, not just a Savannah neighborhood -- sitting at the end of US-80 about 18 miles east of downtown Savannah's historic district, reached by a single causeway across the Bull River and Lazaretto Creek marshes. That single-road geography is not a footnote: it shaped the mandatory evacuations ahead of Hurricane Matthew (2016) and Hurricane Irma (2017), and it's part of why this page treats Tybee's genuine, well-loved beach-town identity and its genuine coastal engineering problems as equally real rather than picking one story. As of 2026, Tybee is in the middle of two live, consequential fights: a federal beach-renourishment funding fight after the U.S. Army Corps of Engineers redirected 2026 dollars to New Jersey instead of the Georgia coast, and a short-term-rental policy fight, with the city council weighing a reversal of a 2024 ordinance that had aimed to phase vacation rentals out. Home prices have kept climbing through both of those fights -- Redfin's most recent trailing-three-month window puts the median sale price at $730,000, up 16.7% year-over-year -- which is exactly the kind of tension a buyer here should understand going in, not discover after closing.

Governance
Independently incorporated City of Tybee Island (own mayor + council) within Chatham County, GA -- reached from Savannah by a single road, US-80, across the Bull River and Lazaretto Creek causeways
Population
~3,120 residents (2024 estimate; multiple sources -- Census-derived figures via Neilsberg and Point2Homes -- cluster in a 3,119-3,123 range)
Price Tier
Redfin: $730,000 median sale price, trailing 3 months as of June 2026, up 16.7% year-over-year; $438/sq ft, up 10.6% year-over-year
Coastal Reality
A working barrier island that has lost 60% of its shoreline in the past six years per Skidaway Institute of Oceanography monitoring; the Army Corps cut Tybee's 2026 renourishment funding, redirecting it to New Jersey, and the city is actively appealing for the $12 million needed
At a glance — the numbers agents don't quote
Flood Insurance Is Not Optional on This Island
Tybee sits in a federally mapped Special Flood Hazard Area, and standard Georgia homeowners insurance excludes flood damage entirely -- coverage only comes from a separate NFIP (or private) flood policy.
The City of Tybee Island maintains its own Flood Information for Homeowners page precisely because this trips up out-of-state buyers used to inland insurance norms. Hurricane Irma's September 2017 storm-surge flooding was described by Tybee's own mayor at the time as the worst flooding the island had seen in at least 70 years, possibly since 1898 -- worse than the flooding from Hurricane Matthew less than a year earlier. Confirm current flood-zone designation and NFIP premium directly with FEMA's flood map service and a licensed agent for any specific parcel; this page states the general exposure, not a parcel-specific rate.
Windstorm Coverage Runs Through the Private and Surplus Lines Market
Georgia's barrier islands -- Tybee, St. Simons, Jekyll, Sea Island, Cumberland -- sit in Wind Zone 2 per the state Insurance Commissioner's office and face elevated hurricane and storm-surge exposure.
Unlike South Carolina and North Carolina, which run state-backed coastal wind pools (the SC Wind and Hail Underwriting Association and the NC Beach Plan), this research did not find evidence of an equivalent dedicated Georgia wind pool for Chatham County. Coastal Georgia homeowners generally get windstorm coverage through the standard private market or, for higher-value oceanfront property, through surplus lines carriers at elevated premiums. Get an actual quote for the specific property; this page states the market structure, not a rate.
The Shoreline Is Eroding Faster Than the Money to Fix It
Tybee has lost 60% of its shoreline in the past six years, per LiDAR monitoring by the Skidaway Institute of Oceanography -- and the Army Corps just cut the island's scheduled 2026 renourishment funding.
The Savannah River shipping channel, maintained by the Army Corps, disrupts the natural longshore movement of sand onto Tybee's beaches, which locals and researchers point to as a contributing factor beyond ordinary wave action. A periodic renourishment project had been expected to start in late 2026 per mid-2025 reporting, but by April 2026 Tybee learned the Corps had cut the island from its 2026 work plan and redirected the remaining funds to a New Jersey beach instead; Mayor Brian West and city leaders are now appealing for the roughly $12 million needed, and the Corps has pledged to prioritize Tybee in 2027 -- a pledge, not a guarantee. See the real-cost and investment-outlook pages for what this means for a buyer's insurance and timing decisions.
A Real Hurricane and Storm-Surge Track Record, Not a Hypothetical
Hurricane Matthew (2016) flooded most of the island and forced evacuation; Hurricane Irma (2017) brought worse flooding a year later, described by the mayor as the worst in at least 70 years.
Governor Nathan Deal ordered all six of Georgia's coastal counties, including Chatham, to evacuate ahead of Irma in September 2017, with I-16 converted to one-way outbound traffic -- a genuine, recent, documented evacuation event, not a generic hurricane-risk disclaimer. Matthew caused an estimated $500 million in statewide Georgia damage in 2016 and three deaths; most of Tybee's roughly 3,000 residents at the time could not immediately return. See the storm history and the city's own flood-information page for more detail before assuming this is only a theoretical risk.

What Actually Makes Tybee Island Different

Start with the fact a lot of "cute beach town near Savannah" writeups skip: Tybee Island is its own incorporated city, with its own elected mayor and city council, its own police and fire departments, and its own municipal budget and millage rate -- not a Savannah neighborhood and not an unincorporated county beach. That matters for a buyer because your property tax bill, your short-term-rental permit, your zoning, and your flood-management rules all run through Tybee's own city hall on top of Chatham County government, not through the City of Savannah at all, even though "Savannah's beach" is the accurate and common shorthand for what Tybee is to the region.

Geographically, Tybee is a genuine barrier island -- flat, low-lying, built on shifting sand rather than bedrock, and connected to the mainland by exactly one road: US-80, crossing a series of marsh causeways and bridges over the Bull River and Lazaretto Creek. That single-access geography is a real and recurring factor in Tybee's hurricane history, not an abstract risk: Georgia's governor ordered all six of the state's coastal counties evacuated ahead of Hurricane Irma in September 2017, funneling outbound traffic onto a one-way-converted I-16, a year after Hurricane Matthew had already flooded most of the island in 2016. A buyer weighing a Tybee purchase is weighing a place where evacuation planning is not hypothetical.

The island's defining current story, as of 2026, is a genuine fight over federal beach-renourishment money. Tybee's beaches depend on a periodic Army Corps of Engineers renourishment cycle to replace sand lost to erosion -- erosion that Mayor Brian West has publicly said has claimed 60% of the island's shoreline since 2020, a figure he ties to the Skidaway Institute of Oceanography's ongoing LiDAR-based shoreline monitoring program and partly to how the Corps' own Savannah River shipping-channel maintenance disrupts natural sand movement along the coast -- this page could not independently confirm that the 60% figure was stated by Skidaway's own researchers as opposed to being the mayor's own characterization of that data. Mid-2025 reporting had a new renourishment cycle penciled in for late 2026; by April 2026, Tybee learned the Corps had instead cut the island from its 2026 work plan and sent the money to a New Jersey beach. Mayor Brian West and other officials are now publicly appealing for the roughly $12 million needed, and the Corps has said Tybee will be prioritized in 2027 -- a stated intention, not a locked-in commitment, and exactly the kind of live, unresolved civic story this page tracks rather than glosses over.

Short-term rentals are the second live regulatory fight. Tybee has a real, longstanding vacation-rental economy, but the rules governing it have moved twice in three years. A June 2024 ordinance, passed by the prior city council, aimed to phase out vacation rentals over time -- among other things, making rental certificates non-transferable when a property changed hands through sale, death, or marriage. As of 2026, the current council is weighing a reversal: a proposal to divide the island into four zones with different STR caps, allowing up to 60% of homes to be short-term rentals in the eastern and southern tourist-and-commercial zones near the beach, while capping the western and northern residential zones at 30%. A property-owner group, Tybee Alliance, sued the city over the STR ordinance back in January 2023, arguing vacation rentals should be treated as residential rather than commercial property; a Chatham County judge dismissed that lawsuit on August 6, 2026, siding with the city and ruling that STRs lack the "relatively continuous physical presence" that would require residential treatment. The litigation itself is now resolved in the city's favor, but the underlying zoning question -- whether the 2024 phase-out ordinance or the proposed 2026 four-zone cap system ultimately governs -- remains genuinely unsettled. Anyone buying with rental income in the plan should treat that zoning/cap question as unsettled, not settled, policy.

None of that regulatory and coastal-engineering turbulence has cooled the market so far. Redfin's most recent trailing-three-month window (as of June 2026) puts Tybee's median sale price at $730,000, up 16.7% year-over-year, with price per square foot at $438, up 10.6% year-over-year -- both real, sourced appreciation figures well above the roughly 1.7%-1.8% year-over-year national home-price growth FHFA reported for the fourth quarter of 2025. At the same time, homes are taking longer to sell -- a reported 125 days on market on average, versus 66 days a year earlier -- which this page reads as a market absorbing higher asking prices more slowly, worth watching rather than ignoring. See the real-cost and investment-outlook pages for the full sourced breakdown of what that means in dollars.

Dining and Things to Do, Beyond the Beach Itself

Tybee's food scene runs from casual dive to genuine destination dining, and the names are real and currently operating as of 2025-2026 review coverage. The Crab Shack is the island's best-known Lowcountry seafood boil spot; Salt Island Fish & Beer draws a devoted local following for its picnic-table, string-lights, unmistakably-Tybee atmosphere; Zunzibar offers chef-driven coastal small plates and cocktails; The Deck Beach Bar & Kitchen, inside the Beachside Colony Resort, is the island's only true oceanfront restaurant, known for its fish tacos; and Huc-A-Poos Bites & Booze is the dive-bar-with-live-music local favorite that regulars point newcomers toward. Back River Brewery and Sundae Cafe round out a scene that runs from fried seafood and beer to more polished sit-down fare, all within a few square miles.

The island's biggest non-beach attraction is the Tybee Island Light Station & Museum -- among the most intact historic light stations in the country, with its original support buildings still standing on a five-acre site. The current 144-foot octagonal tower was first lit in 1867, incorporating the lower 60 feet of an earlier 1773 tower built on the site of Georgia founder James Oglethorpe's original 1736 light, and it carries a nine-foot First Order Fresnel lens; climbing to the top means 178 stairs. The Tybee Island Marine Science Center, open Wednesday through Monday (closed Tuesdays), offers live coastal-wildlife exhibits, a fossil room, and hands-on programming for families and school groups, and Fort Pulaski National Monument -- a National Park Service Civil War-era fort just off the island -- draws bikers, walkers, and birders. North Beach, at the island's quieter northern tip near the lighthouse, is the spot locals point visitors to for a less crowded shoreline than the main strip.

Property Tax
Combined Chatham County + City of Tybee + school-district millage; SmartAsset's published Chatham County average effective rate runs roughly 1.06%-1.10% -- see the real-cost page for a worked dollar example.
Home Prices
$730,000 median sale price, trailing 3 months (Redfin, as of June 2026), up 16.7% year-over-year; $438/sq ft, up 10.6% year-over-year -- but homes are taking longer to sell (125 days vs. 66 a year ago).
Short-Term Rentals
Genuine, active vacation-rental market, but rules are mid-overhaul: a 2024 ordinance aimed to phase STRs out, and a 2026 proposal would reverse course with zone-based caps (60% east/south, 30% west/north). A property-owner group’s lawsuit challenging the STR ordinance was dismissed in the city’s favor on August 6, 2026, but the underlying zoning/cap question remains unsettled.
Flood & Windstorm Insurance
Standard homeowners insurance excludes flood; a separate NFIP or private flood policy is required in this Special Flood Hazard Area. Windstorm runs through the private/surplus market -- no dedicated Georgia coastal wind pool was found in this research, unlike SC/NC.

Independent research. No ads. No sponsored listings. Facts drawn from: Redfin's Tybee Island market-trends page for the current median-price, price-per-square-foot, and days-on-market figures cited above, alongside Rocket Homes' March 2025 Tybee Island report for the earlier comparison point; FHFA's House Price Index Q4 2025 national year-over-year figure (via FHFA.gov and Eye On Housing coverage); U.S. Census-derived population figures for Tybee Island (Neilsberg, Point2Homes, Census Reporter, clustering in a 3,119-3,123 range for 2024); Skidaway Institute of Oceanography (skio.uga.edu) and WTOC/AJC/WRDW 2025-2026 news coverage of LiDAR-based shoreline-erosion monitoring, the 60%-shoreline-loss-in-six-years figure, and the Army Corps' 2026 renourishment-funding cut and redirection to New Jersey, including the city's $12 million funding appeal and the Corps' stated 2027 prioritization; the City of Tybee Island's own Short-Term Rentals and Flood Information for Homeowners pages (cityoftybee.org); WTOC's January 2026 and May 2026 reporting on the Tybee Alliance lawsuit and the proposed 2026 four-zone STR ordinance; Georgia Public Broadcasting's 2017 reporting on Hurricane Irma evacuation and flooding, and NPR's 2016 reporting on Hurricane Matthew; the Chatham County Tax Commissioner's published millage-rate document and SmartAsset's Georgia property tax calculator for the county effective-rate figures; the Georgia Insurance Commissioner's Wind Zone map; and VisitTybee.com, Yelp (May 2026 update), OpenTable, Wikipedia's Tybee Island Light entry, and the Tybee Island Marine Science Center's own site for the dining and attractions content. Genuine, disclosed gaps: no Georgia-specific, multi-year FHFA state house-price-index percentage was independently confirmed this session (only the national Q4 2025 figure and general Sun Belt-region framing); no dedicated Georgia coastal wind-pool program (equivalent to South Carolina's or North Carolina's) was found, and this page states that absence rather than guessing at a substitute; no property-specific insurance premium quotes were compiled, since these vary by parcel, elevation, and construction; and the exact outcome of both the 2026 STR ordinance rewrite and the Army Corps' 2027 renourishment pledge were unresolved, live situations as of this research and should be reconfirmed directly with the City of Tybee Island before relying on either. Confirm all current facts directly with the City of Tybee Island, Chatham County, FEMA's flood map service, and a licensed Georgia real estate, insurance, and legal professional before making a purchase decision. Nothing on this page is legal, tax, financial, or insurance advice.

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