FHA Loan Limits in Aiken County, South Carolina (2026)
In Aiken County — anchored by Aiken County — the 2026 FHA loan limit for a single-family home is $541,287. That matches the national FHA floor used across most of the Southeast.
| Property Type | 2026 FHA Loan Limit |
|---|---|
| One-unit (single family) | $541,287 |
| Two-unit (duplex) | $692,997 |
| Three-unit (triplex) | $837,720 |
| Four-unit (fourplex) | $1,041,072 |
Every community in Aiken County — Aiken County — shares the same 2026 FHA limits shown above, which differ from those in adjacent Charleston and Greenville Counties.
Affording a home in Aiken County & Aiken County
With Aiken County's median sale price estimated near $281,000 (think Aiken County), the FHA down payment is roughly $9,835. Factoring South Carolina property taxes near 0.57%, expect about $2,073 monthly, pointing to income near $80,000 — above South Carolina's $63,623 median household income, so budget carefully.
FHA payment scenarios in Aiken County
Whether you are buying in Aiken County or a smaller Aiken County community, here is how an FHA payment scales by price (3.5% down, 6.25% sample rate):
| Purchase Price | Down (3.5%) | Est. Monthly Payment |
|---|---|---|
| Entry-level — $202,000 | $7,070 | $1,523 |
| Local median — $281,000 | $9,835 | $2,073 |
| At the FHA limit — $541,287 | $18,945 | $3,886 |
Estimates include FHA MIP plus South Carolina property taxes and insurance. Rates move daily near Aiken County too — get notified.
Buyers across Aiken County pair FHA with local down-payment assistance to keep upfront cash low — often turning the $9,835 down payment near Aiken County into little out of pocket.
Multi-unit FHA limits in Aiken County
Investors and house-hackers in Aiken County and across Aiken County can finance 2-4 unit homes with FHA at just 3.5% down: $692,997 for a duplex, $837,720 for a triplex, and $1,041,072 for a fourplex.
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Frequently Asked Questions
- What is the FHA loan limit in Aiken County for 2026?
- In Aiken County (Aiken County), the 2026 FHA limit is $541,287 for one unit, $692,997 for a duplex, $837,720 for a triplex, and $1,041,072 for a fourplex.
- What income do I need to buy in Aiken County with FHA?
- For a median-priced ($281,000) Aiken County home, plan on income around $80,000 at a 31% housing ratio — about $2,073/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Aiken County?
- 3.5% with a 580+ score — roughly $9,835 on a $281,000 Aiken County-area home. Gift funds are allowed.
- Is Aiken County a high-cost FHA area?
- No — Aiken County uses the $541,287 national floor for one unit.