FHA Loan Limits in Greenville County, South Carolina (2026)
From Greenville County, FHA buyers in Greenville 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 Greenville County — Greenville County — shares the same 2026 FHA limits shown above, which differ from those in adjacent Charleston and Richland Counties.
What can you buy with FHA in Greenville County?
An FHA buyer near Greenville County faces an estimated $360,000 median, a $12,600 down payment, and — after South Carolina's 0.57% property tax — a monthly cost around $2,623. That suits household income of roughly $102,000, above South Carolina's $63,623 median household income, so budget carefully.
FHA payment scenarios in Greenville County
Whether you are buying in Greenville County or a smaller Greenville 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 — $259,000 | $9,065 | $1,920 |
| Local median — $360,000 | $12,600 | $2,623 |
| 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 Greenville County too — get notified.
Buyers across Greenville County pair FHA with local down-payment assistance to keep upfront cash low — often turning the $12,600 down payment near Greenville County into little out of pocket.
Multi-unit FHA limits in Greenville County
Investors and house-hackers in Greenville County and across Greenville 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 Greenville County for 2026?
- In Greenville County (Greenville 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 Greenville County with FHA?
- For a median-priced ($360,000) Greenville County home, plan on income around $102,000 at a 31% housing ratio — about $2,623/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Greenville County?
- 3.5% with a 580+ score — roughly $12,600 on a $360,000 Greenville County-area home. Gift funds are allowed.
- Is Greenville County a high-cost FHA area?
- No — Greenville County uses the $541,287 national floor for one unit.