FHA Loan Limits in Kershaw County, South Carolina (2026)
From Kershaw County, FHA buyers in Kershaw 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 Kershaw County, from Kershaw County outward, and sit alongside the limits set for neighboring Charleston and Greenville Counties.
What can you buy with FHA in Kershaw County?
An FHA buyer near Kershaw County faces an estimated $272,000 median, a $9,520 down payment, and — after South Carolina's 0.57% property tax — a monthly cost around $2,011. That suits household income of roughly $78,000, above South Carolina's $63,623 median household income, so budget carefully.
FHA payment scenarios in Kershaw County
FHA payments across Kershaw County price points — from entry homes near Kershaw County to the county's FHA limit (3.5% down, 6.25% sample 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 Kershaw County too — get notified.
In Kershaw County and the surrounding Kershaw 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 Kershaw County
Kershaw County's 2026 multi-unit FHA limits reach $692,997 (duplex), $837,720 (triplex), and $1,041,072 (fourplex) — so a buyer in Kershaw 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 Kershaw County for 2026?
- In Kershaw County (Kershaw 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 Kershaw County with FHA?
- For a median-priced ($272,000) Kershaw 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 Kershaw County?
- 3.5% with a 580+ score — roughly $9,520 on a $272,000 Kershaw County-area home. Gift funds are allowed.
- Is Kershaw County a high-cost FHA area?
- No — Kershaw County uses the $541,287 national floor for one unit.