FHA Loan Limits in Richland County, South Carolina (2026)
From Richland County, FHA buyers in Richland 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 Richland County, from Richland County outward, and sit alongside the limits set for neighboring Charleston and Greenville Counties.
What can you buy with FHA in Richland County?
An FHA buyer near Richland County faces an estimated $260,000 median, a $9,100 down payment, and — after South Carolina's 0.57% property tax — a monthly cost around $1,927. That suits household income of roughly $75,000, above South Carolina's $63,623 median household income, so budget carefully.
FHA payment scenarios in Richland County
FHA payments across Richland County price points — from entry homes near Richland County to the county's FHA limit (3.5% down, 6.25% sample rate):
| Purchase Price | Down (3.5%) | Est. Monthly Payment |
|---|---|---|
| Entry-level — $187,000 | $6,545 | $1,419 |
| Local median — $260,000 | $9,100 | $1,927 |
| 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 Richland County too — get notified.
In Richland County and the surrounding Richland County market, FHA's appeal is the math: $9,100 down on a $260,000 home, credit accepted from 580, and assistance programs that can cover closing costs.
Multi-unit FHA limits in Richland County
Richland County's 2026 multi-unit FHA limits reach $692,997 (duplex), $837,720 (triplex), and $1,041,072 (fourplex) — so a buyer in Richland 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 Richland County for 2026?
- In Richland County (Richland 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 Richland County with FHA?
- For a median-priced ($260,000) Richland County home, plan on income around $75,000 at a 31% housing ratio — about $1,927/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Richland County?
- 3.5% with a 580+ score — roughly $9,100 on a $260,000 Richland County-area home. Gift funds are allowed.
- Is Richland County a high-cost FHA area?
- No — Richland County uses the $541,287 national floor for one unit.