FHA Loan Limits in Beaufort County, South Carolina (2026)
Buying in Beaufort County or elsewhere in Beaufort County? The 2026 FHA single-family limit across the county 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 |
These 2026 limits apply throughout Beaufort County, from Beaufort County outward, and sit alongside the limits set for neighboring Charleston and Greenville Counties.
FHA affordability around Beaufort County
An FHA buyer near Beaufort County faces an estimated $374,000 median, a $13,090 down payment, and — after South Carolina's 0.57% property tax — a monthly cost around $2,721. That suits household income of roughly $105,000, above South Carolina's $63,623 median household income, so budget carefully.
FHA payment scenarios in Beaufort County
Whether you are buying in Beaufort County or a smaller Beaufort 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 — $269,000 | $9,415 | $1,990 |
| Local median — $374,000 | $13,090 | $2,721 |
| 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 Beaufort County too — get notified.
In Beaufort County and the surrounding Beaufort County market, FHA's appeal is the math: $13,090 down on a $374,000 home, credit accepted from 580, and assistance programs that can cover closing costs.
Multi-unit FHA limits in Beaufort County
Investors and house-hackers in Beaufort County and across Beaufort 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 Beaufort County for 2026?
- In Beaufort County (Beaufort 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 Beaufort County with FHA?
- For a median-priced ($374,000) Beaufort County home, plan on income around $105,000 at a 31% housing ratio — about $2,721/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Beaufort County?
- 3.5% with a 580+ score — roughly $13,090 on a $374,000 Beaufort County-area home. Gift funds are allowed.
- Is Beaufort County a high-cost FHA area?
- No — Beaufort County uses the $541,287 national floor for one unit.