FHA Loan Limits in Horry County, South Carolina (2026)
Buying in Horry County or elsewhere in Horry County? The 2026 FHA single-family limit across the county 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 |
Every community in Horry County — Horry County — shares the same 2026 FHA limits shown above, which differ from those in adjacent Charleston and Greenville Counties.
FHA affordability around Horry County
Homes around Horry County carry an estimated local median near $340,000, so an FHA buyer in Horry County puts down about $11,900 (3.5%). With South Carolina's 0.57% effective property-tax rate, the all-in payment runs near $2,484 a month — comfortable on household income around $96,000, above South Carolina's $63,623 median household income, so budget carefully.
FHA payment scenarios in Horry County
FHA payments across Horry County price points — from entry homes near Horry County to the county's FHA limit (3.5% down, 6.25% sample rate):
| Purchase Price | Down (3.5%) | Est. Monthly Payment |
|---|---|---|
| Entry-level — $245,000 | $8,575 | $1,823 |
| Local median — $340,000 | $11,900 | $2,484 |
| 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 Horry County too — get notified.
Buyers across Horry County pair FHA with local down-payment assistance to keep upfront cash low — often turning the $11,900 down payment near Horry County into little out of pocket.
Multi-unit FHA limits in Horry County
Horry County's 2026 multi-unit FHA limits reach $692,997 (duplex), $837,720 (triplex), and $1,041,072 (fourplex) — so a buyer in Horry County can live in one unit and rent the rest to offset the mortgage.
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Frequently Asked Questions
- What is the FHA loan limit in Horry County for 2026?
- In Horry County (Horry 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 Horry County with FHA?
- For a median-priced ($340,000) Horry County home, plan on income around $96,000 at a 31% housing ratio — about $2,484/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Horry County?
- 3.5% with a 580+ score — roughly $11,900 on a $340,000 Horry County-area home. Gift funds are allowed.
- Is Horry County a high-cost FHA area?
- No — Horry County uses the $541,287 national floor for one unit.