FHA Loan Limits in Berkeley County, South Carolina (2026)
From Berkeley County, FHA buyers in Berkeley County can finance a one-unit home up to $541,287 with 3.5% down in 2026. 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 Berkeley County, from Berkeley County outward, and sit alongside the limits set for neighboring Charleston and Greenville Counties.
What can you buy with FHA in Berkeley County?
An FHA buyer near Berkeley County faces an estimated $322,000 median, a $11,270 down payment, and — after South Carolina's 0.57% property tax — a monthly cost around $2,359. That suits household income of roughly $91,000, above South Carolina's $63,623 median household income, so budget carefully.
FHA payment scenarios in Berkeley County
Here is what an FHA payment looks like at three Berkeley County budgets, all with 3.5% down at a 6.25% example rate:
| Purchase Price | Down (3.5%) | Est. Monthly Payment |
|---|---|---|
| Entry-level — $232,000 | $8,120 | $1,732 |
| Local median — $322,000 | $11,270 | $2,359 |
| 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 Berkeley County too — get notified.
In Berkeley County and the surrounding Berkeley County market, FHA's appeal is the math: $11,270 down on a $322,000 home, credit accepted from 580, and assistance programs that can cover closing costs.
Multi-unit FHA limits in Berkeley County
Looking at a duplex or fourplex near Berkeley County? FHA allows up to $692,997 on two units and $1,041,072 on four in Berkeley County, with the same low 3.5% down for owner-occupants.
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Frequently Asked Questions
- What is the FHA loan limit in Berkeley County for 2026?
- In Berkeley County (Berkeley 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 Berkeley County with FHA?
- For a median-priced ($322,000) Berkeley County home, plan on income around $91,000 at a 31% housing ratio — about $2,359/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Berkeley County?
- 3.5% with a 580+ score — roughly $11,270 on a $322,000 Berkeley County-area home. Gift funds are allowed.
- Is Berkeley County a high-cost FHA area?
- No — Berkeley County uses the $541,287 national floor for one unit.