FHA Loan Limits in Georgetown County, South Carolina (2026)
Georgetown County and the rest of Georgetown County, South Carolina fall under a 2026 one-unit FHA limit of $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 Georgetown County to the edges of Georgetown County, the figures above govern FHA borrowing; buyers here frequently compare them with nearby Charleston and Greenville Counties.
How much home can you afford in Georgetown County?
Homes around Georgetown County carry an estimated local median near $331,000, so an FHA buyer in Georgetown County puts down about $11,585 (3.5%). With South Carolina's 0.57% effective property-tax rate, the all-in payment runs near $2,421 a month — comfortable on household income around $94,000, above South Carolina's $63,623 median household income, so budget carefully.
FHA payment scenarios in Georgetown County
Whether you are buying in Georgetown County or a smaller Georgetown County community, here is how an FHA payment scales by price (3.5% down, 6.25% sample rate):
| Purchase Price | Down (3.5%) | Est. Monthly Payment |
|---|---|---|
| Entry-level — $238,000 | $8,330 | $1,774 |
| Local median — $331,000 | $11,585 | $2,421 |
| 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 Georgetown County too — get notified.
First-time buyers make up much of FHA activity in Georgetown County and across Georgetown County, drawn by the 3.5% down payment, 580 minimum score, and the option to use gift funds toward the $11,585 needed on a median Georgetown County home.
Multi-unit FHA limits in Georgetown County
Investors and house-hackers in Georgetown County and across Georgetown County can finance 2-4 unit homes with FHA at just 3.5% down: $692,997 for a duplex, $837,720 for a triplex, and $1,041,072 for a fourplex.
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Frequently Asked Questions
- What is the FHA loan limit in Georgetown County for 2026?
- In Georgetown County (Georgetown 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 Georgetown County with FHA?
- For a median-priced ($331,000) Georgetown County home, plan on income around $94,000 at a 31% housing ratio — about $2,421/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Georgetown County?
- 3.5% with a 580+ score — roughly $11,585 on a $331,000 Georgetown County-area home. Gift funds are allowed.
- Is Georgetown County a high-cost FHA area?
- No — Georgetown County uses the $541,287 national floor for one unit.