2026 conforming loan limits · South Carolina
All 46 counties in South Carolina use the same one-unit conforming limit of $832,750.
CY2026 Showing the 2026 FHFA dataset, effective 2026-01-01. Figures change only when FHFA publishes a new file.
South Carolina at a glance
| Metric | Value |
|---|---|
| Counties | 46 |
| Lowest one-unit conforming limit | $832,750 |
| Highest one-unit conforming limit | $832,750 |
| Distinct one-unit limits | 1 |
| Applicable baseline | $832,750 |
| Above the applicable baseline | 0 of 46 (0.0%) |
| At the applicable ceiling | 0 |
| Dataset year | CY2026 |
Every county in South Carolina carries the same one-unit limit, so there is no high-cost ranking to show.
Conforming and FHA limits by county
Two federal programs, two agencies, two different limits. The conforming figure is FHFA’s cap on what Fannie Mae and Freddie Mac may buy; the FHA figure is HUD’s cap on what FHA will insure. Neither governs the other.
| County | Metro | Conforming 1-unit (2026) | FHA 1-unit (2026) | Difference |
|---|---|---|---|---|
| Abbeville County | GREENWOOD, SC | $832,750 | $541,287 | $291,463 |
| Aiken County | AUGUSTA-RICHMOND COUNTY, GA-SC | $832,750 | $541,287 | $291,463 |
| Allendale County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Anderson County | GREENVILLE-ANDERSON-GREER, SC | $832,750 | $541,287 | $291,463 |
| Bamberg County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Barnwell County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Beaufort County | HILTON HEAD ISLAND-BLUFFTON-PORT ROYAL, SC | $832,750 | $638,250 | $194,500 |
| Berkeley County | CHARLESTON-NORTH CHARLESTON, SC | $832,750 | $690,000 | $142,750 |
| Calhoun County | COLUMBIA, SC | $832,750 | $541,287 | $291,463 |
| Charleston County | CHARLESTON-NORTH CHARLESTON, SC | $832,750 | $690,000 | $142,750 |
| Cherokee County | GAFFNEY, SC | $832,750 | $541,287 | $291,463 |
| Chester County | CHARLOTTE-CONCORD-GASTONIA, NC-SC | $832,750 | $541,287 | $291,463 |
| Chesterfield County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Clarendon County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Colleton County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Darlington County | FLORENCE, SC | $832,750 | $541,287 | $291,463 |
| Dillon County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Dorchester County | CHARLESTON-NORTH CHARLESTON, SC | $832,750 | $690,000 | $142,750 |
| Edgefield County | AUGUSTA-RICHMOND COUNTY, GA-SC | $832,750 | $541,287 | $291,463 |
| Fairfield County | COLUMBIA, SC | $832,750 | $541,287 | $291,463 |
| Florence County | FLORENCE, SC | $832,750 | $541,287 | $291,463 |
| Georgetown County | MURRELLS INLET, SC | $832,750 | $541,287 | $291,463 |
| Greenville County | GREENVILLE-ANDERSON-GREER, SC | $832,750 | $541,287 | $291,463 |
| Greenwood County | GREENWOOD, SC | $832,750 | $541,287 | $291,463 |
| Hampton County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Horry County | MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC | $832,750 | $541,287 | $291,463 |
| Jasper County | HILTON HEAD ISLAND-BLUFFTON-PORT ROYAL, SC | $832,750 | $638,250 | $194,500 |
| Kershaw County | COLUMBIA, SC | $832,750 | $541,287 | $291,463 |
| Lancaster County | CHARLOTTE-CONCORD-GASTONIA, NC-SC | $832,750 | $541,287 | $291,463 |
| Laurens County | GREENVILLE-ANDERSON-GREER, SC | $832,750 | $541,287 | $291,463 |
| Lee County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Lexington County | COLUMBIA, SC | $832,750 | $541,287 | $291,463 |
| Mccormick County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Marion County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Marlboro County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Newberry County | NEWBERRY, SC | $832,750 | $541,287 | $291,463 |
| Oconee County | SENECA, SC | $832,750 | $541,287 | $291,463 |
| Orangeburg County | ORANGEBURG, SC | $832,750 | $541,287 | $291,463 |
| Pickens County | GREENVILLE-ANDERSON-GREER, SC | $832,750 | $541,287 | $291,463 |
| Richland County | COLUMBIA, SC | $832,750 | $541,287 | $291,463 |
| Saluda County | COLUMBIA, SC | $832,750 | $541,287 | $291,463 |
| Spartanburg County | SPARTANBURG, SC | $832,750 | $541,287 | $291,463 |
| Sumter County | SUMTER, SC | $832,750 | $541,287 | $291,463 |
| Union County | SPARTANBURG, SC | $832,750 | $541,287 | $291,463 |
| Williamsburg County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| York County | CHARLOTTE-CONCORD-GASTONIA, NC-SC | $832,750 | $541,287 | $291,463 |
Two-, three- and four-unit conforming limits
FHFA publishes a separate limit for each property size. These are its published figures, not multiples of the one-unit limit.
| County | 1 unit | 2 units | 3 units | 4 units |
|---|---|---|---|---|
| Abbeville County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Aiken County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Allendale County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Anderson County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Bamberg County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Barnwell County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Beaufort County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Berkeley County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Calhoun County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Charleston County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Cherokee County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Chester County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Chesterfield County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Clarendon County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Colleton County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Darlington County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Dillon County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Dorchester County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Edgefield County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Fairfield County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Florence County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Georgetown County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Greenville County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Greenwood County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Hampton County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Horry County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Jasper County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Kershaw County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Lancaster County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Laurens County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Lee County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Lexington County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Mccormick County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Marion County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Marlboro County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Newberry County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Oconee County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Orangeburg County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Pickens County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Richland County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Saluda County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Spartanburg County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Sumter County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Union County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Williamsburg County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| York County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
Government sources
Federal Housing Finance Agency (FHFA) — Conforming Loan Limits by County (HERA-based)
Fields used: FIPS State Code; FIPS County Code; County Name; State; CBSA Number; One-Unit Limit; Two-Unit Limit; Three-Unit Limit; Four-Unit Limit
U.S. Department of Housing and Urban Development (HUD) — FHA Single Family Forward Mortgage Limits
Fields used: cols 073-079: one-unit forward mortgage limit; cols 080-086: two-unit forward mortgage limit; cols 087-093: three-unit forward mortgage limit; cols 094-100: four-unit forward mortgage limit; cols 101-102: state postal code; cols 103-105: county FIPS code; cols 000-009: CBSA/metro code (9999900000 = non-metro)