---
title: "South Carolina Home Transfer Planning | Funding LTC Marketplace"
url: https://fundingltcmarketplace.com/states/south-carolina/home-transfer-planning/
description: "South Carolina has no enacted statutory real-property TOD or enhanced-life-estate deed, so home transfers need individualized planning."
last_updated: 2026-10-20
author: George A. Mellendorf, CLTC, LTCP (Central States Insurance Services, Inc.)
publisher: Funding LTC Marketplace
note: Educational content; not legal, tax or financial advice. Markdown copy of the HTML page at the URL above.
---
South Carolina · Asset Protection Tool

# South Carolina Home Transfer Planning

Last updated 2026-10-20

South Carolina doesn't currently have an enacted statutory transfer-on-death deed for real estate. The state's existing transfer-on-death designation law only covers titled personal property — think vehicles, mobile homes, watercraft, and outboard motors — not houses. That's an important distinction: a form built for transferring a car or boat carries no legal authority to transfer a home.

There is legislative movement, though nothing enacted yet. Senate Bill S. 49 would create a new statute authorizing real-property transfer-on-death deeds, while House Bill H. 4264 proposes a South Carolina Enhanced Life Estate Deed Act. Both remain bill text within the 2025-2026 legislative session rather than sections of the actual code, so families can't rely on either as a currently available planning tool.

## Sources and official resources

- [SCDHHS: Nursing Facilities](https://www.scdhhs.gov/resources/programs-and-initiatives/long-term-living/nursing-facilities)
- [U.S. Code: 42 U.S.C. § 1396p (liens, estate recovery, transfers of assets, Partnership disregard)](https://www.law.cornell.edu/uscode/text/42/1396p)
- [CMS: 2026 SSI and Spousal Impoverishment Standards](https://www.medicaid.gov/federal-policy-guidance/downloads/cib04272026.pdf)

Rules and figures change. Confirm current details with the agency before you act.

[← Back to the full South Carolina guide](https://fundingltcmarketplace.com/states/south-carolina/)