FHA Loan Limits in Darlington County, South Carolina (2026)
In Darlington County — anchored by Darlington 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 |
From Darlington County to the edges of Darlington County, the figures above govern FHA borrowing; buyers here frequently compare them with nearby Charleston and Greenville Counties.
Affording a home in Darlington County & Darlington County
An FHA buyer near Darlington County faces an estimated $359,000 median, a $12,565 down payment, and — after South Carolina's 0.57% property tax — a monthly cost around $2,616. That suits household income of roughly $101,000, above South Carolina's $63,623 median household income, so budget carefully.
FHA payment scenarios in Darlington County
Here is what an FHA payment looks like at three Darlington County budgets, all with 3.5% down at a 6.25% example rate:
| Purchase Price | Down (3.5%) | Est. Monthly Payment |
|---|---|---|
| Entry-level — $258,000 | $9,030 | $1,913 |
| Local median — $359,000 | $12,565 | $2,616 |
| 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 Darlington County too — get notified.
First-time buyers make up much of FHA activity in Darlington County and across Darlington County, drawn by the 3.5% down payment, 580 minimum score, and the option to use gift funds toward the $12,565 needed on a median Darlington County home.
Multi-unit FHA limits in Darlington County
Looking at a duplex or fourplex near Darlington County? FHA allows up to $692,997 on two units and $1,041,072 on four in Darlington 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 Darlington County for 2026?
- In Darlington County (Darlington 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 Darlington County with FHA?
- For a median-priced ($359,000) Darlington County home, plan on income around $101,000 at a 31% housing ratio — about $2,616/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Darlington County?
- 3.5% with a 580+ score — roughly $12,565 on a $359,000 Darlington County-area home. Gift funds are allowed.
- Is Darlington County a high-cost FHA area?
- No — Darlington County uses the $541,287 national floor for one unit.