FHA Loan Limits in South Carolina (2026)
For 2026, the FHA loan limit in most South Carolina counties is $541,287 for a single-family home. South Carolina has no designated high-cost counties, so the national floor applies statewide.
FHA loan limits by county in South Carolina
| County | 1-Unit | 2-Unit | 4-Unit | Tier |
|---|---|---|---|---|
| Greenville County | $541,287 | $692,997 | $1,041,072 | Standard |
| Richland County | $541,287 | $692,997 | $1,041,072 | Standard |
| Charleston County | $541,287 | $692,997 | $1,041,072 | Standard |
| Horry County | $541,287 | $692,997 | $1,041,072 | Standard |
| Spartanburg County | $541,287 | $692,997 | $1,041,072 | Standard |
| Lexington County | $541,287 | $692,997 | $1,041,072 | Standard |
| York County | $541,287 | $692,997 | $1,041,072 | Standard |
| Berkeley County | $541,287 | $692,997 | $1,041,072 | Standard |
| Anderson County | $541,287 | $692,997 | $1,041,072 | Standard |
| Aiken County | $541,287 | $692,997 | $1,041,072 | Standard |
| Beaufort County | $541,287 | $692,997 | $1,041,072 | Standard |
| Dorchester County | $541,287 | $692,997 | $1,041,072 | Standard |
| Florence County | $541,287 | $692,997 | $1,041,072 | Standard |
| Pickens County | $541,287 | $692,997 | $1,041,072 | Standard |
| Sumter County | $541,287 | $692,997 | $1,041,072 | Standard |
| Lancaster County | $541,287 | $692,997 | $1,041,072 | Standard |
| Oconee County | $541,287 | $692,997 | $1,041,072 | Standard |
| Orangeburg County | $541,287 | $692,997 | $1,041,072 | Standard |
| Laurens County | $541,287 | $692,997 | $1,041,072 | Standard |
| Darlington County | $541,287 | $692,997 | $1,041,072 | Standard |
| Georgetown County | $541,287 | $692,997 | $1,041,072 | Standard |
| Kershaw County | $541,287 | $692,997 | $1,041,072 | Standard |
South Carolina's median home price is roughly $320,000. With 3.5% down, an example FHA payment near that price is about $2,486/month including MIP, taxes, and insurance.
Buying with an FHA loan in South Carolina
FHA loans are popular with first-time buyers in South Carolina because they allow a 3.5% down payment, accept credit scores as low as 580, and have flexible debt-to-income guidelines. The county limits above cap how much you can borrow with FHA financing; above those amounts you would need a conventional or jumbo loan.
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Frequently Asked Questions
- What is the FHA loan limit in South Carolina for 2026?
- Most South Carolina counties use the national FHA floor of $541,287 for a one-unit home.
- What credit score do I need for an FHA loan in South Carolina?
- FHA allows a 3.5% down payment with a 580 credit score, or 10% down with scores between 500 and 579. Lenders may set higher minimums.