Oconee County, South Carolina has a 2026 one-unit conforming loan limit of $832,750, which is 3.5 times the county's median home value of $237,100, so a typical home there can be financed with a conforming (non-jumbo) loan; median household income is $62,388 (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) | $237,100 |
| South Carolina median home value | $259,000 |
| Limit ÷ median home value | 3.51× |
| Median household income | $62,388 |
| Median home value ÷ income | 3.8× |
| Population | 80,469 |
| Median property tax paid (owners) | $899 |
| Effective property tax rate (approx.) | 0.38% |
| Owner-occupied homes | 76.2% |
| Home value rank in South Carolina | 12 of 46 counties |
| Neighbor: Franklin County, GA | limit $832,750; median home $179,000 |
| Neighbor: Habersham County, GA | limit $832,750; median home $238,300 |
| Neighbor: Hart County, GA | limit $832,750; median home $215,100 |
| Neighbor: Rabun County, GA | limit $832,750; median home $295,200 |
| Neighbor: Stephens County, GA | limit $832,750; median home $175,300 |
| Neighbor: Jackson County, NC | limit $832,750; median home $284,700 |
| Neighbor: Macon County, NC | limit $832,750; median home $251,900 |
| Neighbor: Transylvania County, NC | limit $832,750; median home $373,600 |
Across South Carolina's 46 counties, FHFA's 2026 one-unit limits are $832,750 everywhere. Oconee County's median home value is 8% below the state median of $259,000 (rank 12 of 46). Among its 8 neighboring counties, Transylvania County has the highest median home value ($373,600) and Stephens County the lowest ($175,300); all share the same loan limit. Owners pay a median $899 a year in property tax, an effective rate of about 0.38% 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: Oceana County, MI
- 2026 conforming loan limit: Ochiltree County, TX
- 2026 conforming loan limit: Oconee County, GA
- 2026 conforming loan limit: Oconto County, WI
- 2026 conforming loan limit: Ogemaw County, MI
- 2026 conforming loan limit: Oglala Lakota County, SD
- 2026 conforming loan limit: Ogle County, IL
- 2026 conforming loan limit: Oglethorpe County, GA
Last updated 2026-10-16. Data only, not financial or tax advice.