FHA Loan Limits in Sumter County, South Carolina (2026)
Buying in Sumter County or elsewhere in Sumter 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 Sumter County — Sumter County — shares the same 2026 FHA limits shown above, which differ from those in adjacent Charleston and Greenville Counties.
FHA affordability around Sumter County
Homes around Sumter County carry an estimated local median near $312,000, so an FHA buyer in Sumter County puts down about $10,920 (3.5%). With South Carolina's 0.57% effective property-tax rate, the all-in payment runs near $2,289 a month — comfortable on household income around $89,000, above South Carolina's $63,623 median household income, so budget carefully.
FHA payment scenarios in Sumter County
FHA payments across Sumter County price points — from entry homes near Sumter County to the county's FHA limit (3.5% down, 6.25% sample rate):
| Purchase Price | Down (3.5%) | Est. Monthly Payment |
|---|---|---|
| Entry-level — $225,000 | $7,875 | $1,683 |
| Local median — $312,000 | $10,920 | $2,289 |
| 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 Sumter County too — get notified.
Buyers across Sumter County pair FHA with local down-payment assistance to keep upfront cash low — often turning the $10,920 down payment near Sumter County into little out of pocket.
Multi-unit FHA limits in Sumter County
Sumter County's 2026 multi-unit FHA limits reach $692,997 (duplex), $837,720 (triplex), and $1,041,072 (fourplex) — so a buyer in Sumter 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 Sumter County for 2026?
- In Sumter County (Sumter 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 Sumter County with FHA?
- For a median-priced ($312,000) Sumter County home, plan on income around $89,000 at a 31% housing ratio — about $2,289/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Sumter County?
- 3.5% with a 580+ score — roughly $10,920 on a $312,000 Sumter County-area home. Gift funds are allowed.
- Is Sumter County a high-cost FHA area?
- No — Sumter County uses the $541,287 national floor for one unit.