FHA Loan Limits in Florence County, South Carolina (2026)
In Florence County — anchored by Florence 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 Florence County to the edges of Florence County, the figures above govern FHA borrowing; buyers here frequently compare them with nearby Charleston and Greenville Counties.
Affording a home in Florence County & Florence County
With Florence County's median sale price estimated near $365,000 (think Florence County), the FHA down payment is roughly $12,775. Factoring South Carolina property taxes near 0.57%, expect about $2,658 monthly, pointing to income near $103,000 — above South Carolina's $63,623 median household income, so budget carefully.
FHA payment scenarios in Florence County
Here is what an FHA payment looks like at three Florence County budgets, all with 3.5% down at a 6.25% example rate:
| Purchase Price | Down (3.5%) | Est. Monthly Payment |
|---|---|---|
| Entry-level — $263,000 | $9,205 | $1,948 |
| Local median — $365,000 | $12,775 | $2,658 |
| 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 Florence County too — get notified.
First-time buyers make up much of FHA activity in Florence County and across Florence County, drawn by the 3.5% down payment, 580 minimum score, and the option to use gift funds toward the $12,775 needed on a median Florence County home.
Multi-unit FHA limits in Florence County
Looking at a duplex or fourplex near Florence County? FHA allows up to $692,997 on two units and $1,041,072 on four in Florence County, with the same low 3.5% down for owner-occupants.
Never Miss an FHA Rate Change
We track HUD and FHA so you can move at the right moment — free, no pressure.
Free to join. Msg & data rates may apply; reply STOP to opt out. See our Terms & Privacy Policy.
Frequently Asked Questions
- What is the FHA loan limit in Florence County for 2026?
- In Florence County (Florence 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 Florence County with FHA?
- For a median-priced ($365,000) Florence County home, plan on income around $103,000 at a 31% housing ratio — about $2,658/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Florence County?
- 3.5% with a 580+ score — roughly $12,775 on a $365,000 Florence County-area home. Gift funds are allowed.
- Is Florence County a high-cost FHA area?
- No — Florence County uses the $541,287 national floor for one unit.