Spartanburg County, South Carolina has a 2026 one-unit conforming loan limit of $832,750, which is 3.6 times the county's median home value of $233,300, so a typical home there can be financed with a conforming (non-jumbo) loan; median household income is $66,234 (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) | $233,300 |
| South Carolina median home value | $259,000 |
| Limit ÷ median home value | 3.57× |
| Median household income | $66,234 |
| Median home value ÷ income | 3.5× |
| Population | 347,852 |
| Median property tax paid (owners) | $1,274 |
| Effective property tax rate (approx.) | 0.55% |
| Owner-occupied homes | 73.0% |
| Home value rank in South Carolina | 14 of 46 counties |
| Neighbor: Polk County, NC | limit $832,750; median home $315,000 |
| Neighbor: Rutherford County, NC | limit $832,750; median home $201,800 |
| Neighbor: Cherokee County, SC | limit $832,750; median home $142,000 |
| Neighbor: Greenville County, SC | limit $832,750; median home $299,000 |
| Neighbor: Laurens County, SC | limit $832,750; median home $170,600 |
| Neighbor: Union County, SC | limit $832,750; median home $103,600 |
Across South Carolina's 46 counties, FHFA's 2026 one-unit limits are $832,750 everywhere. Spartanburg County's median home value is 10% below the state median of $259,000 (rank 14 of 46). Among its 6 neighboring counties, Polk County has the highest median home value ($315,000) and Union County the lowest ($103,600); all share the same loan limit. Owners pay a median $1,274 a year in property tax, an effective rate of about 0.55% 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.
Frequently asked questions
What is the conforming loan limit in Spartanburg County, South Carolina?
Spartanburg County, South Carolina has a 2026 one-unit conforming loan limit of $832,750, which is 3.6 times the county's median home value of $233,300, so a typical home there can be financed with a conforming (non-jumbo) loan; median household income is $66,234 (FHFA; Census ACS 2020–2024).
What is the median home value in Spartanburg County, South Carolina?
The median owner-occupied home value in Spartanburg County is $233,300 (ACS 2020–2024), versus $259,000 statewide.
Do I need a jumbo loan in Spartanburg County?
Only if your loan amount exceeds $832,750 for a one-unit home; the county median home value is $233,300, so the cap is 3.57 times the typical home value.
Related
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- 2026 conforming loan limit: Union County, SC
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- 2026 conforming loan limit: York County, SC
Last updated Oct 16, 2026, 10:42 PM ET. Data only, not financial or tax advice.
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