FHA Loan Limits in Dorchester County, South Carolina (2026)
From Dorchester County, FHA buyers in Dorchester 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 Dorchester County, from Dorchester County outward, and sit alongside the limits set for neighboring Charleston and Greenville Counties.
What can you buy with FHA in Dorchester County?
With Dorchester County's median sale price estimated near $272,000 (think Dorchester County), the FHA down payment is roughly $9,520. Factoring South Carolina property taxes near 0.57%, expect about $2,011 monthly, pointing to income near $78,000 — above South Carolina's $63,623 median household income, so budget carefully.
FHA payment scenarios in Dorchester County
Here is what an FHA payment looks like at three Dorchester County budgets, all with 3.5% down at a 6.25% example rate:
| Purchase Price | Down (3.5%) | Est. Monthly Payment |
|---|---|---|
| Entry-level — $196,000 | $6,860 | $1,481 |
| Local median — $272,000 | $9,520 | $2,011 |
| 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 Dorchester County too — get notified.
In Dorchester County and the surrounding Dorchester County market, FHA's appeal is the math: $9,520 down on a $272,000 home, credit accepted from 580, and assistance programs that can cover closing costs.
Multi-unit FHA limits in Dorchester County
Looking at a duplex or fourplex near Dorchester County? FHA allows up to $692,997 on two units and $1,041,072 on four in Dorchester 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 Dorchester County for 2026?
- In Dorchester County (Dorchester 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 Dorchester County with FHA?
- For a median-priced ($272,000) Dorchester County home, plan on income around $78,000 at a 31% housing ratio — about $2,011/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Dorchester County?
- 3.5% with a 580+ score — roughly $9,520 on a $272,000 Dorchester County-area home. Gift funds are allowed.
- Is Dorchester County a high-cost FHA area?
- No — Dorchester County uses the $541,287 national floor for one unit.