FHA Loan Limits in York County, South Carolina (2026)
From York County, FHA buyers in York 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 |
From York County to the edges of York County, the figures above govern FHA borrowing; buyers here frequently compare them with nearby Charleston and Greenville Counties.
What can you buy with FHA in York County?
An FHA buyer near York County faces an estimated $365,000 median, a $12,775 down payment, and — after South Carolina's 0.57% property tax — a monthly cost around $2,658. That suits household income of roughly $103,000, above South Carolina's $63,623 median household income, so budget carefully.
FHA payment scenarios in York County
FHA payments across York County price points — from entry homes near York County to the county's FHA limit (3.5% down, 6.25% sample rate):
| Purchase Price | Down (3.5%) | Est. Monthly Payment |
|---|---|---|
| Entry-level — $263,000 | $9,205 | $1,948 |
| Local median — $365,000 | $12,775 | $2,658 |
| 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 York County too — get notified.
First-time buyers make up much of FHA activity in York County and across York County, drawn by the 3.5% down payment, 580 minimum score, and the option to use gift funds toward the $12,775 needed on a median York County home.
Multi-unit FHA limits in York County
York County's 2026 multi-unit FHA limits reach $692,997 (duplex), $837,720 (triplex), and $1,041,072 (fourplex) — so a buyer in York County can live in one unit and rent the rest to offset the mortgage.
Get FHA Rate & Program Alerts
Rates move daily and FHA rules change often. We will tell you the moment something shifts.
Free to join. Msg & data rates may apply; reply STOP to opt out. See our Terms & Privacy Policy.
Frequently Asked Questions
- What is the FHA loan limit in York County for 2026?
- In York County (York 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 York County with FHA?
- For a median-priced ($365,000) York County home, plan on income around $103,000 at a 31% housing ratio — about $2,658/month including taxes, insurance, and MIP.
- How much is the FHA down payment in York County?
- 3.5% with a 580+ score — roughly $12,775 on a $365,000 York County-area home. Gift funds are allowed.
- Is York County a high-cost FHA area?
- No — York County uses the $541,287 national floor for one unit.