2026 loan limits
North Charleston, SC loan limits: 2026 conforming and FHA context
How 2026 conforming and FHA loan-limit figures organize conventional, jumbo, and FHA questions without determining eligibility.
Source: Federal Housing Finance Agency + U.S. Department of Housing and Urban Development
Last updated . Article facts reviewed through this date. Time-sensitive figures show their own as-of dates.
The local figures answer the first question: North Charleston, SC is connected to Charleston County for this 2026 source comparison. For borrower planning, the published one-unit conforming limit is $832,750, while the published one-unit FHA limit is $690,000. Those figures organize different program categories; $832,750 is not a conventional loan offer, and $690,000 is not an FHA eligibility finding. For North Charleston, SC, starting with Charleston County keeps the limits attached to the county or county-equivalent area used in the official files. Borrowers in North Charleston, SC still need to confirm the selected property's location and legal unit count, because the relevant Charleston County row follows the property instead of the city label or mailing address alone. Around North Charleston, SC, mailing cities and ZIP codes can cross county boundaries, so the official property jurisdiction should be verified instead of inferred from a familiar place name. Keep Charleston County as North Charleston, SC's confirmed county row before comparing the $832,750 and $690,000 program boundaries.
For a decision in North Charleston, SC, Charleston County's conforming limit rises from $832,750 for one unit to $1,601,750 for four units, while the FHA figures move from $690,000 to $1,326,950.