Cherokee County, South Carolina has a 2026 one-unit conforming loan limit of $832,750, which is 5.9 times the county's median home value of $142,000, so a typical home there can be financed with a conforming (non-jumbo) loan; median household income is $50,288 (FHFA; Census ACS 2020–2024).
Data as of 2026. Source: FHFA 2026 conforming loan limits; U.S. Census Bureau ACS 2020–2024
| Item | Value |
|---|---|
| 1-unit limit (2026) | $832,750 |
| 2-unit limit | $1,066,250 |
| 3-unit limit | $1,288,800 |
| 4-unit limit | $1,601,750 |
| Median home value (ACS 2020–24) | $142,000 |
| South Carolina median home value | $259,000 |
| Limit ÷ median home value | 5.86× |
| Median household income | $50,288 |
| Median home value ÷ income | 2.8× |
| Population | 56,647 |
| Median property tax paid (owners) | $614 |
| Effective property tax rate (approx.) | 0.43% |
| Owner-occupied homes | 73.8% |
| Home value rank in South Carolina | 34 of 46 counties |
| Neighbor: Cleveland County, NC | limit $832,750; median home $200,000 |
| Neighbor: Rutherford County, NC | limit $832,750; median home $201,800 |
| Neighbor: Spartanburg County, SC | limit $832,750; median home $233,300 |
| Neighbor: Union County, SC | limit $832,750; median home $103,600 |
| Neighbor: York County, SC | limit $832,750; median home $361,300 |
Across South Carolina's 46 counties, FHFA's 2026 one-unit limits are $832,750 everywhere. Cherokee County's median home value is 45% below the state median of $259,000 (rank 34 of 46). Among its 5 neighboring counties, York County has the highest median home value ($361,300) and Union County the lowest ($103,600); all share the same loan limit. Owners pay a median $614 a year in property tax, an effective rate of about 0.43% of home value.
County data: U.S. Census Bureau, American Community Survey 5-year estimates 2020–2024 (tables B25077, B19013, B01003, B25103, B25003). Neighbors: Census county adjacency file.
Related
- 2026 conforming loan limit: Cherokee County, KS
- 2026 conforming loan limit: Cherokee County, NC
- 2026 conforming loan limit: Cherokee County, OK
- 2026 conforming loan limit: Cherokee County, TX
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- 2026 conforming loan limit: Chesapeake City, VA
- 2026 conforming loan limit: Cheshire County, NH
- 2026 conforming loan limit: Chester County, PA
Last updated 2026-10-16. Data only, not financial or tax advice.