South Carolina Mortgage Guide 2026
Compare 2026 FHA and conforming loan limits across all 46 counties in South Carolina. FHA limits in this state range from $541,287 to $541,287, while conforming limits range from $832,750 to $832,750.
2026 Loan Limits by County in South Carolina
| # | County | FHA Limit (1-Unit) | Conforming Limit (1-Unit) | Median Home Value |
|---|---|---|---|---|
| 1 | Abbeville County | $541,287 | $832,750 | $178,800 |
| 2 | Aiken County | $541,287 | $832,750 | $218,000 |
| 3 | Allendale County | $541,287 | $832,750 | $76,200 |
| 4 | Anderson County | $541,287 | $832,750 | $231,900 |
| 5 | Bamberg County | $541,287 | $832,750 | $97,800 |
| 6 | Barnwell County | $541,287 | $832,750 | $106,000 |
| 7 | Beaufort County | $541,287 | $832,750 | $455,600 |
| 8 | Berkeley County | $541,287 | $832,750 | $310,300 |
| 9 | Calhoun County | $541,287 | $832,750 | $172,100 |
| 10 | Charleston County | $541,287 | $832,750 | $489,100 |
| 11 | Cherokee County | $541,287 | $832,750 | $142,000 |
| 12 | Chester County | $541,287 | $832,750 | $158,300 |
| 13 | Chesterfield County | $541,287 | $832,750 | $116,200 |
| 14 | Clarendon County | $541,287 | $832,750 | $158,000 |
| 15 | Colleton County | $541,287 | $832,750 | $162,500 |
| 16 | Darlington County | $541,287 | $832,750 | $158,200 |
| 17 | Dillon County | $541,287 | $832,750 | $85,400 |
| 18 | Dorchester County | $541,287 | $832,750 | $329,300 |
| 19 | Edgefield County | $541,287 | $832,750 | $202,700 |
| 20 | Fairfield County | $541,287 | $832,750 | $151,200 |
| 21 | Florence County | $541,287 | $832,750 | $177,900 |
| 22 | Georgetown County | $541,287 | $832,750 | $289,500 |
| 23 | Greenville County | $541,287 | $832,750 | $299,000 |
| 24 | Greenwood County | $541,287 | $832,750 | $180,500 |
| 25 | Hampton County | $541,287 | $832,750 | $112,000 |
| 26 | Horry County | $541,287 | $832,750 | $287,700 |
| 27 | Jasper County | $541,287 | $832,750 | $325,500 |
| 28 | Kershaw County | $541,287 | $832,750 | $217,100 |
| 29 | Lancaster County | $541,287 | $832,750 | $329,900 |
| 30 | Laurens County | $541,287 | $832,750 | $170,600 |
| 31 | Lee County | $541,287 | $832,750 | $104,600 |
| 32 | Lexington County | $541,287 | $832,750 | $234,500 |
| 33 | Marion County | $541,287 | $832,750 | $93,200 |
| 34 | Marlboro County | $541,287 | $832,750 | $82,000 |
| 35 | McCormick County | $541,287 | $832,750 | $168,700 |
| 36 | Newberry County | $541,287 | $832,750 | $173,300 |
| 37 | Oconee County | $541,287 | $832,750 | $237,100 |
| 38 | Orangeburg County | $541,287 | $832,750 | $115,800 |
| 39 | Pickens County | $541,287 | $832,750 | $231,900 |
| 40 | Richland County | $541,287 | $832,750 | $242,800 |
| 41 | Saluda County | $541,287 | $832,750 | $146,500 |
| 42 | Spartanburg County | $541,287 | $832,750 | $233,300 |
| 43 | Sumter County | $541,287 | $832,750 | $165,300 |
| 44 | Union County | $541,287 | $832,750 | $103,600 |
| 45 | Williamsburg County | $541,287 | $832,750 | $104,500 |
| 46 | York County | $541,287 | $832,750 | $361,300 |
About South Carolina's Mortgage Market
South Carolina has 46 counties, each with its own FHA and conforming loan limits for 2026. FHA limits in South Carolina range from $541,287 to $541,287 for a single-family home. Conforming limits range from $832,750 to $832,750.
Use our mortgage calculator to compute monthly payments using South Carolina-specific loan limits. Or explore a specific county above for detailed FHA vs conventional comparisons.
Frequently Asked Questions
What is the maximum FHA loan limit in South Carolina?
The highest 2026 FHA limit in South Carolina is $541,287 for a single-family home.
What is the maximum conforming loan limit in South Carolina?
The highest 2026 conforming loan limit in South Carolina is $832,750 for a single-family home. Loans above this threshold are considered "jumbo" and require stricter qualifications.
How many counties are in South Carolina?
South Carolina has 46 counties, each with its own loan limits published annually by FHFA and HUD.
Data Source: FHFA Conforming Loan Limits 2026, HUD FHA Forward Mortgage Limits 2026, U.S. Census Bureau ACS 5-Year Estimates. Public domain. This page is for informational purposes and does not constitute financial advice.