Tybee Island Homes with FHA Listing Terms

Tybee Island Homes with FHA Listing Terms

Welcome to Tybee Island, Georgia, a hidden gem nestled in Chatham County, where the sun-kissed shores meet Southern charm. Renowned for its pristine beaches, rich history, and vibrant local culture, Tybee Island offers a unique coastal lifestyle that beckons both residents and visitors alike. With its quaint atmosphere, this small island is the perfect escape for those looking to unwind and bask in the beauty of nature.

Tybee Island is home to a variety of outdoor activities, from kayaking through the marshes to exploring the historic Tybee Island Light Station. The island’s laid-back vibe is complemented by its eclectic dining scene, where fresh seafood and local flavors take center stage. Whether you’re strolling along the sandy beaches or enjoying a sunset at the pier, Tybee Island promises a picturesque backdrop for your everyday life.

For those considering making this island paradise their home, there are a variety of housing options available, including properties that qualify for FHA listing terms. This means you can explore charming beach cottages, modern condos, and spacious family homes with financing options that make homeownership more accessible. With the FHA program, buyers can benefit from lower down payments and more flexible credit requirements, making it easier to invest in your dream home on this idyllic island.

Embrace the lifestyle you’ve always dreamed of on Tybee Island, where coastal living meets community spirit. Whether you’re looking for a vacation home or a permanent residence, Tybee Island is ready to welcome you home. Discover the possibilities today!

Newest Tybee Island Homes with FHA Listing Terms

$849,900
4 Beds ⋅ 4 Baths ⋅ SA364200 MLS
What if your next home came with a front-row seat to Tybee’s natural beauty? Welcome to 6 Riveroak Lane, a coastal retreat where sweeping marsh and tidal creek views create an incredible backdrop for everyday island living. This spacious 4-bedroom, 4-bath home offers an en-suite bath for every bedroom, providing exceptional privacy and flexibility for family and guests. Expansive screened porches invite you to slow down, relax and take in the ever-changing scenery, while comfortable living spaces are filled with coastal character. The property also features a private dock offering direct access to the water; the dock sustained storm damage and is in need of repair, giving the next owner the opportunity to restore it and make the most of this special waterfront setting. Tucked away in a peaceful setting yet just minutes from Tybee’s beaches, restaurants and island attractions, this is a rare opportunity to enjoy the quieter side of Tybee Island. Whether you’re searching for a full-time home, second home or island getaway, the combination of space, privacy and unforgettable views makes 6 Riveroak Lane one you won’t want to miss.

6 River Oak Ln, Tybee Island

Listing courtesy of McIntosh Realty Team LLC.

$635,000
3 Beds ⋅ 2 Baths ⋅ SA364340 MLS
Island Living Starts Here in This Adorable Tybee Cottage, Perfectly Tucked Away in a Peaceful Setting Yet Close to Everything You Love About Tybee! Enjoy an Easy Walk to Alley 3 for Gorgeous Back River Sunsets, AJ’s, Marinas, Fishing, Restaurants, the Pier, and Shopping. This 3-Bedroom, 2-Bath, Single-Level Home Is Full of Island Character, Featuring Shiplap Walls and Wood-Look Tile Flooring in the Spacious Living Area. The Kitchen Opens to the Family Room, Creating an Easy Flow for Entertaining and Making Memories. Step Outside to a Wonderful Covered Outdoor Living Area and Spacious Patio Surrounded by Palms. The Screened Front Porch Is Perfect for Morning Coffee and Enjoying the Island Breeze. Additional Features Include a Deep Soaking Tub, Tankless Water Heater, and Brand-New HVAC. Whether You’re Heading to the Back River for Sunset, Walking to Dinner, or Simply Relaxing Under the Palms, This Is the Easygoing Tybee Lifestyle You’ve Been Waiting For. Located in Sector 2 Under Tybee Island’s Newly Adopted STVR Ordinance, With 34 STVR Certificates Available in the Sector Beginning January 2027 on a First-Come, First-Served Basis. Buyers Should Independently Verify Eligibility and Availability With the City of Tybee Island.

1308 6th Ave, Tybee Island

Listing courtesy of McIntosh Realty Team LLC.

$799,900
4 Beds ⋅ 3 Baths ⋅ SA364162 MLS
There’s something special about life on Horsepen Creek. Tucked along one of Tybee Island’s beautiful tidal waterways, this inviting creekfront property combines the relaxed island lifestyle with an updated, open floor plan, wonderful outdoor spaces, a private dock and a separate guest cottage—all on one exceptionally versatile property. Sold turnkey so all you need is your suitcase! The spacious main residence features 3 bedrooms plus a loft, 3 full baths and generous living areas designed for gathering, entertaining and simply enjoying life at the coast. The open, updated floor plan creates an easy flow from room to room, with plenty of space for family and friends while still offering areas to spread out and relax. But step outside and you'll quickly understand what makes this property truly special. The backyard opens to sweeping marsh and tidal-creek views, where the scenery changes with every tide. Your private dock on Horsepen Creek puts the water right in your backyard—launch a kayak or paddleboard, drop a crab trap, explore the creek at high tide in an appropriate small watercraft, watch the coastal wildlife or simply settle in with your favorite beverage as another gorgeous Tybee sunset rolls in. Adding even more flexibility is the separate guest cottage, complete with a bedroom, private bath, kitchenette and its own deck. It’s an ideal setup for visiting family and friends, extended family, a private home office or potential rental use where permitted. Two driveways provide ample parking, while the multiple indoor and outdoor living spaces make this property equally appealing as a full-time residence, second home or multigenerational island retreat. An updated home, separate cottage, private dock and Horsepen Creek as your backyard—this is the kind of Tybee property that gives you not just a home, but options for how you want to live.

129 Lewis Ave, Tybee Island

Listing courtesy of Century 21 Results.

$779,900
3 Beds ⋅ 4 Baths ⋅ SA364000 MLS
LIVE ON TYBEE ISLAND TIME! Welcome to your own slice of paradise on Tybee Island! This beautifully furnished, move-in-ready coastal retreat offers the perfect blend of island living, entertaining space, and proven investment potential. Currently operating as a highly successful 30-day rental with potential gross rental income of up to $80,000 annually, this property is an incredible opportunity for those looking for a primary residence, second home, or income-producing coastal getaway. Just minutes from the beach, this spacious 3-bedroom, 3.5-bath home is designed for relaxed island living. The updated kitchen features granite countertops, stainless steel appliances, a large walk-in pantry, and a convenient dining bar that makes entertaining effortless. A bedroom and full bath are conveniently located on the main level, while a charming spiral staircase leads to an additional loft bedroom and bath. A separate staircase leads to the private primary suite, complete with a comfortable sitting area and beautiful views overlooking the privacy-fenced backyard. The luxurious primary bath features a large walk-in shower and whirlpool tub, creating the perfect place to unwind after a day at the beach. The lower level adds even more versatility with a flex room/game room/gym, generous storage space, and a dedicated laundry room. Prefer your laundry on the main level? A laundry closet offers that option as well. And when it comes to outdoor living, this home delivers! Porches galore, including a wonderful screened-in porch, provide plenty of spaces to enjoy the coastal breeze. The privacy-fenced backyard features a fire pit, creating the perfect setting for evening gatherings, s’mores, or relaxing under the stars. Ample parking makes hosting family and guests a breeze. Ideally located close to Tybee’s beaches, beloved restaurants, the Back River, and the iconic Tybee Island Pier, you’ll have everything that makes island life so special right at your fingertips.

1214 5th Ave, Tybee Island

Listing courtesy of ERA Southeast Coastal.

$1,650,000
5 Beds ⋅ 5 Baths ⋅ SA362790 MLS
Experience exceptional coastal living in this impressive 5-bedroom, 5-bath freestanding beach home located just 100 yards from the dunes on Tybee Island. Perfectly positioned in a desirable mid-island location, this three-story custom residence offers panoramic water views, spectacular Atlantic sunrises, and easy beach access, all within walking distance of local restaurants, shops, and island favorites. Designed for both everyday living and entertaining, the home features large windows, spacious en-suite bedrooms, luxurious baths, and an elevator with mahogany paneling serving all three levels. The gourmet kitchen is equipped with granite countertops and KitchenAid stainless steel appliances, while the expansive primary suite features dual vanities, a separate soaking tub, walk-in shower, and two closets. Outdoor living takes center stage with covered porches overlooking the ocean, a private rooftop deck with sweeping ocean and island views, and a private outdoor shower for easy beach days. Built with durable HardiePlank siding, concrete, and tabby construction, the home combines quality craftsmanship with coastal style. An attached garage accommodates up to four vehicles, with space for up to 10 vehicles off-street on the property. Move-in ready and just steps from the beach, this is a rare opportunity to own a spacious Tybee Island retreat with incredible views, beach access, and room for everyone.

10 8th St, Tybee Island

Listing courtesy of Seaport Real Estate Group.

$495,000
2 Beds ⋅ 2 Baths ⋅ SA363189 MLS
Furnished Short Term Rental Beach Condo! Imagine waking up to the sound of seabirds and the scent of salt in the air. You step out onto your private balcony, coffee in hand, and watch Tybee come alive in the morning light. That’s everyday life at 1415 Butler Ave—a bright and inviting 2-bedroom, 2-bath condo tucked on a quiet street just 2 blocks from the beach. Inside, the space feels fresh and welcoming, with brand-new appliances (2024) and a new HVAC system (2025) keeping everything comfortable and carefree. The open living area is perfect for entertaining or kicking back after a day in the sand. The building itself has everything you need for easy island living—an elevator, a rooftop pool with ocean breezes, and 1 covered garage parking spot just for you. This condo is also zoned for Short-Term Vacation Rental (STVR) with a strong rental history on Airbnb, making it an excellent opportunity for anyone dreaming of both a getaway and a smart investment. Condo is being sold fully furnished and turnkey. You’re surrounded by Tybee’s quiet charm—local restaurants, cozy shops, and friendly bars all a short walk away—while downtown Savannah is only 25 minutes from your door. Whether you’re looking for a peaceful retreat, a place to share with guests, or a new chapter by the coast, this is where the island life begins.

1415 Butler Ave Unit 11, Tybee Island

Listing courtesy of Serhant Georgia LLC.

$579,000
3 Beds ⋅ 2 Baths ⋅ SA362993 MLS ⋅ Beachside Colony BLDG.
Gorgeous condo in Beachside Colony—Tybee's premier oceanfront resort! This fabulous community is loaded with amenities including, private beach access, two swimming pools (one heated pool), 'The Deck' on-site beachfront restaurant, lush outdoor areas, and more. Sought-after location in The Garden’s with elevator access featuring soaring ceilings, solid 8-foot doors, skylights, and three walls of sliding glass doors offering panoramic views of the courtyard. The courtyard offers nearly 400 sqft of outdoor living space with Hot Tub, pergola ceiling, and full seating area bringing the total area for the unit to 1874 SQFT. Thoughtful layout with spacious family room open to a beautiful kitchen with stainless appliances, granite counters, breakfast bar and open dining area. The primary suite boasts tall ceilings, outdoor access, and a full ensuite with jetted soaking tub, oversized shower, and walk-in closet. Two additional bedrooms share a Jack-and-Jill bath, completing this exceptional home. Turn-key, income-producing property sold fully furnished.

404 Butler Ave Unit 703, Tybee Island

Listing courtesy of Re/Max Savannah.

$379,900
2 Beds ⋅ 2 Baths ⋅ SA362410 MLS
Enjoy easy coastal living in this 2-bedroom, 2-bath condo on Tybee Island, conveniently located on the first floor and offered fully furnished for a truly turnkey opportunity. Whether you're searching for an island getaway, full-time residence, or investment property, this condo offers the perfect combination of comfort and convenience. Located within a gated community, residents enjoy access to a community pool and tennis courts, perfect for making the most of the Tybee lifestyle. The unit also includes one assigned parking space, adding convenience in one of Savannah's most popular coastal destinations. With furnishings included and everything you need to start enjoying island life from day one, this is a fantastic opportunity to own your own piece of Tybee Island.

85 Van Horne St Unit 1A, Tybee Island

Listing courtesy of Seaport Real Estate Group.

$325,000
2 Beds ⋅ 2 Baths ⋅ SA362654 MLS ⋅ Lighthouse Pt Bch Club Ph 01 B BLDG.
Bring your design ideas! This desirable second-floor corner unit in the gated Lighthouse Point Beach Club community is the perfect blank canvas for your dream beach retreat. Located on the quiet north end of Tybee Island, this 2BR/2BA condo features a popular open-concept layout and a private balcony to enjoy extra privacy and coastal breezes. The property needs a remodel, making it a fantastic opportunity for investors, flippers, or buyers wanting to customize their own slice of paradise. The resort-style community offers amazing amenities, including 3 swimming pools, tennis courts, and private boardwalks directly to the beach. Walk or bike to the historic Tybee Lighthouse, local museums, and the North Beach Grill. Don't miss this rare chance to build equity and design a custom coastal oasis in a prime short-term rental (STVR) zone!

85 Van Horne St Unit 23B, Tybee Island

Listing courtesy of Engel & Volkers.

$1,750,000
4 Beds ⋅ 4 Baths ⋅ SA362599 MLS
Experience the best of coastal living with this exceptional south Tybee Island property, offering the rare combination of short-term vacation rental potential and private deepwater dock access. Whether you're searching for a personal beach retreat, an income-producing investment, or both, this property delivers an unmatched island lifestyle. Enjoy the convenience of your own private deepwater dock, providing easy access to boating, fishing, kayaking, and all that the Georgia coast has to offer. Perfectly positioned on the south end of Tybee Island, you'll also be just moments from the beach, restaurants, shopping, and local attractions. With its prime location, waterfront amenities, and vacation rental flexibility, this is a rare opportunity to own a truly special piece of Tybee Island. (City of Tybee to vote on STVR transferability on 08-13-26)

1509 Chatham Ave, Tybee Island

Listing courtesy of Seaport Real Estate Group.

$675,000
3 Beds ⋅ 3 Baths ⋅ SA362330 MLS
Experience waterfront living on Tybee Island with this beautifully updated residence overlooking a picturesque tidal creek and offering stunning coastal sunsets. Extensive improvements throughout have transformed the property with a fresh, elevated feel, including new plumbing, water heater, fixtures, interior paint, solid-core bamboo flooring, tile, select new windows, and a thoughtfully redesigned kitchen. The kitchen features soft-close cabinetry, quartz countertops, a new backsplash, GE Monogram built-in refrigerator, Thermador dual-fuel range, Thermador built-in microwave, and KitchenAid three-rack dishwasher. All three bathrooms feature new vanities and refreshed finishes. Exterior improvements include extended siding, fresh paint, a newly enclosed three-car garage, and stained decking and stairs. A restored mother-in-law suite offers a mini-split HVAC system, shower, vanity, cabinetry, refrigerator, portable cooktop, and sink, providing added versatility. Enjoy the convenience of an exterior elevator, private dock, and your own waterfront setting just moments from everything Tybee Island has to offer. Whether you're searching for a full-time residence, second home, or coastal getaway, 155 South Campbell Ave offers an exceptional opportunity to enjoy the Tybee lifestyle. Owner is a licensed Georgia real estate agent.

155 S Campbell Ave, Tybee Island

Listing courtesy of Keller Williams Coastal Area P.

$445,000
2 Beds ⋅ 2 Baths ⋅ SA360849 MLS ⋅ Idle Awhile Condos BLDG.
Steps to the beach! Transferrable STVR. Sold with the furnishings, evrything you need to rent as STVR. First floor with parking underneth - end unit. Large covered porch with furniture. There are 2 spaces for cars, and a shed in the garage area. Inside you will find a comfortalbe living space with 9' ceilings. There are 5 beds total, and a New compfy sofa. Kitchen is fully stocked. Brand new HVAC. New fans in every room. Walking distancee to pier, stores, restaurants, back river and the ocean. Great location.

9 17th Pl Unit 7A, Tybee Island

Listing courtesy of Scottonian Realty, Inc.

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