FHA Loan Limits in Charleston County, South Carolina (2026)
From Charleston County, FHA buyers in Charleston 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 |
Every community in Charleston County — Charleston County — shares the same 2026 FHA limits shown above, which differ from those in adjacent Greenville and Richland Counties.
What can you buy with FHA in Charleston County?
Homes around Charleston County carry an estimated local median near $560,000, so an FHA buyer in Charleston County puts down about $18,945 (3.5%). With South Carolina's 0.57% effective property-tax rate, the all-in payment runs near $3,886 a month — comfortable on household income around $150,000, above South Carolina's $63,623 median household income, so budget carefully.
FHA payment scenarios in Charleston County
FHA payments across Charleston County price points — from entry homes near Charleston County to the county's FHA limit (3.5% down, 6.25% sample rate):
| Purchase Price | Down (3.5%) | Est. Monthly Payment |
|---|---|---|
| Entry-level — $403,000 | $14,105 | $2,923 |
| Local median — $541,287 | $18,945 | $3,886 |
| 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 Charleston County too — get notified.
Buyers across Charleston County pair FHA with local down-payment assistance to keep upfront cash low — often turning the $18,945 down payment near Charleston County into little out of pocket.
Multi-unit FHA limits in Charleston County
Charleston County's 2026 multi-unit FHA limits reach $692,997 (duplex), $837,720 (triplex), and $1,041,072 (fourplex) — so a buyer in Charleston County can live in one unit and rent the rest to offset the mortgage.
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Frequently Asked Questions
- What is the FHA loan limit in Charleston County for 2026?
- In Charleston County (Charleston 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 Charleston County with FHA?
- For a median-priced ($541,287) Charleston County home, plan on income around $150,000 at a 31% housing ratio — about $3,886/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Charleston County?
- 3.5% with a 580+ score — roughly $18,945 on a $541,287 Charleston County-area home. Gift funds are allowed.
- Is Charleston County a high-cost FHA area?
- No — Charleston County uses the $541,287 national floor for one unit.