Richland County, South Carolina has a 2026 one-unit conforming loan limit of $832,750, which is 3.4 times the county's median home value of $242,800, so a typical home there can be financed with a conforming (non-jumbo) loan; median household income is $63,784 (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) | $242,800 |
| South Carolina median home value | $259,000 |
| Limit ÷ median home value | 3.43× |
| Median household income | $63,784 |
| Median home value ÷ income | 3.8× |
| Population | 422,117 |
| Median property tax paid (owners) | $1,637 |
| Effective property tax rate (approx.) | 0.67% |
| Owner-occupied homes | 60.3% |
| Home value rank in South Carolina | 11 of 46 counties |
| Neighbor: Calhoun County, SC | limit $832,750; median home $172,100 |
| Neighbor: Fairfield County, SC | limit $832,750; median home $151,200 |
| Neighbor: Kershaw County, SC | limit $832,750; median home $217,100 |
| Neighbor: Lexington County, SC | limit $832,750; median home $234,500 |
| Neighbor: Newberry County, SC | limit $832,750; median home $173,300 |
| Neighbor: Sumter County, SC | limit $832,750; median home $165,300 |
Across South Carolina's 46 counties, FHFA's 2026 one-unit limits are $832,750 everywhere. Richland County's median home value is 6% below the state median of $259,000 (rank 11 of 46). Among its 6 neighboring counties, Lexington County has the highest median home value ($234,500) and Fairfield County the lowest ($151,200); all share the same loan limit. Owners pay a median $1,637 a year in property tax, an effective rate of about 0.67% 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: Richland County, MT
- 2026 conforming loan limit: Richland County, ND
- 2026 conforming loan limit: Richland County, OH
- 2026 conforming loan limit: Richland County, WI
- 2026 conforming loan limit: Richland Parish, LA
- 2026 conforming loan limit: Richmond City, VA
- 2026 conforming loan limit: Richmond County, GA
- 2026 conforming loan limit: Richmond County, NC
Last updated 2026-10-16. Data only, not financial or tax advice.