Lancaster County, South Carolina has a 2026 one-unit conforming loan limit of $832,750, which is 2.5 times the county's median home value of $329,900, so a typical home there can be financed with a conforming (non-jumbo) loan; median household income is $78,869 (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) | $329,900 |
| South Carolina median home value | $259,000 |
| Limit ÷ median home value | 2.52× |
| Median household income | $78,869 |
| Median home value ÷ income | 4.2× |
| Population | 104,475 |
| Median property tax paid (owners) | $1,657 |
| Effective property tax rate (approx.) | 0.50% |
| Owner-occupied homes | 83.3% |
| Home value rank in South Carolina | 4 of 46 counties |
| Neighbor: Mecklenburg County, NC | limit $832,750; median home $406,800 |
| Neighbor: Union County, NC | limit $832,750; median home $417,300 |
| Neighbor: Chester County, SC | limit $832,750; median home $158,300 |
| Neighbor: Chesterfield County, SC | limit $832,750; median home $116,200 |
| Neighbor: Fairfield County, SC | limit $832,750; median home $151,200 |
| Neighbor: Kershaw County, SC | limit $832,750; median home $217,100 |
| 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. Lancaster County's median home value is 27% above the state median of $259,000 (rank 4 of 46). Among its 7 neighboring counties, Union County has the highest median home value ($417,300) and Chesterfield County the lowest ($116,200); all share the same loan limit. Owners pay a median $1,657 a year in property tax, an effective rate of about 0.50% 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
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Last updated 2026-10-16. Data only, not financial or tax advice.