FHA Loan Limits in Orangeburg County, South Carolina (2026)
Buying in Orangeburg County or elsewhere in Orangeburg 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 Orangeburg County — Orangeburg County — shares the same 2026 FHA limits shown above, which differ from those in adjacent Charleston and Greenville Counties.
FHA affordability around Orangeburg County
An FHA buyer near Orangeburg County faces an estimated $334,000 median, a $11,690 down payment, and — after South Carolina's 0.57% property tax — a monthly cost around $2,442. That suits household income of roughly $95,000, above South Carolina's $63,623 median household income, so budget carefully.
FHA payment scenarios in Orangeburg County
Here is what an FHA payment looks like at three Orangeburg County budgets, all with 3.5% down at a 6.25% example rate:
| Purchase Price | Down (3.5%) | Est. Monthly Payment |
|---|---|---|
| Entry-level — $240,000 | $8,400 | $1,788 |
| Local median — $334,000 | $11,690 | $2,442 |
| 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 Orangeburg County too — get notified.
Buyers across Orangeburg County pair FHA with local down-payment assistance to keep upfront cash low — often turning the $11,690 down payment near Orangeburg County into little out of pocket.
Multi-unit FHA limits in Orangeburg County
Looking at a duplex or fourplex near Orangeburg County? FHA allows up to $692,997 on two units and $1,041,072 on four in Orangeburg County, with the same low 3.5% down for owner-occupants.
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Frequently Asked Questions
- What is the FHA loan limit in Orangeburg County for 2026?
- In Orangeburg County (Orangeburg 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 Orangeburg County with FHA?
- For a median-priced ($334,000) Orangeburg County home, plan on income around $95,000 at a 31% housing ratio — about $2,442/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Orangeburg County?
- 3.5% with a 580+ score — roughly $11,690 on a $334,000 Orangeburg County-area home. Gift funds are allowed.
- Is Orangeburg County a high-cost FHA area?
- No — Orangeburg County uses the $541,287 national floor for one unit.