FHA Loan Limits in Pickens County, South Carolina (2026)
Pickens County and the rest of Pickens 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 Pickens County to the edges of Pickens 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 Pickens County?
Homes around Pickens County carry an estimated local median near $337,000, so an FHA buyer in Pickens County puts down about $11,795 (3.5%). With South Carolina's 0.57% effective property-tax rate, the all-in payment runs near $2,463 a month — comfortable on household income around $95,000, above South Carolina's $63,623 median household income, so budget carefully.
FHA payment scenarios in Pickens County
FHA payments across Pickens County price points — from entry homes near Pickens County to the county's FHA limit (3.5% down, 6.25% sample rate):
| Purchase Price | Down (3.5%) | Est. Monthly Payment |
|---|---|---|
| Entry-level — $243,000 | $8,505 | $1,809 |
| Local median — $337,000 | $11,795 | $2,463 |
| 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 Pickens County too — get notified.
First-time buyers make up much of FHA activity in Pickens County and across Pickens County, drawn by the 3.5% down payment, 580 minimum score, and the option to use gift funds toward the $11,795 needed on a median Pickens County home.
Multi-unit FHA limits in Pickens County
Pickens County's 2026 multi-unit FHA limits reach $692,997 (duplex), $837,720 (triplex), and $1,041,072 (fourplex) — so a buyer in Pickens 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 Pickens County for 2026?
- In Pickens County (Pickens 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 Pickens County with FHA?
- For a median-priced ($337,000) Pickens County home, plan on income around $95,000 at a 31% housing ratio — about $2,463/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Pickens County?
- 3.5% with a 580+ score — roughly $11,795 on a $337,000 Pickens County-area home. Gift funds are allowed.
- Is Pickens County a high-cost FHA area?
- No — Pickens County uses the $541,287 national floor for one unit.