Highest FHA limit in South Carolina
$690,000
In 2026, FHA one-unit limits in South Carolina range from $541,287 to $690,000 (Berkeley County). 41 of 46 counties use the national floor.
41 of 46counties at the $541,287 floor
All South Carolina counties
| County | 1 unit | 2 units | 4 units | Conforming |
|---|---|---|---|---|
| Berkeley County | $690,000 | $883,300 | $1,326,950 | $832,750 |
| Charleston County | $690,000 | $883,300 | $1,326,950 | $832,750 |
| Dorchester County | $690,000 | $883,300 | $1,326,950 | $832,750 |
| Beaufort County | $638,250 | $817,050 | $1,227,400 | $832,750 |
| Jasper County | $638,250 | $817,050 | $1,227,400 | $832,750 |
| Abbeville County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Aiken County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Allendale County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Anderson County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Bamberg County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Barnwell County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Calhoun County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Cherokee County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Chester County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Chesterfield County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Clarendon County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Colleton County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Darlington County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Dillon County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Edgefield County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Fairfield County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Florence County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Georgetown County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Greenville County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Greenwood County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Hampton County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Horry County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Kershaw County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Lancaster County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Laurens County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Lee County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Lexington County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Marion County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Marlboro County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| McCormick County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Newberry County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Oconee County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Orangeburg County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Pickens County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Richland County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Saluda County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Spartanburg County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Sumter County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Union County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Williamsburg County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| York County | $541,287 | $693,050 | $1,041,125 | $832,750 |
Sources: HUD FHA forward mortgage limits CY2026 (CHUMS file, case numbers assigned on or after Jan 1, 2026); FHFA 2026 conforming loan limits; Freddie Mac PMMS 30-year average 7.40% (week of 2026-10-15) for payment examples, which cover principal and interest only, before FHA mortgage insurance, taxes and insurance. Not lending advice.
Frequently asked questions
What is the FHA loan limit in South Carolina for 2026?
In 2026, FHA one-unit limits in South Carolina range from $541,287 to $690,000 (Berkeley County). 41 of 46 counties use the national floor.
What is the FHA floor for 2026?
$541,287 for a one-unit home. The high-cost ceiling is $1,249,125.
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