State loan-limit landscape
South Carolina 2026 county loan-limit landscape
How conforming and FHA one-unit limits vary across South Carolina counties and how borrowers can use them responsibly.
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: South Carolina's statewide summary covers 46 county or county-equivalent records. Within those records, the 2026 one-unit conforming limit runs from $832,750 to $832,750. That range may help borrowers see why the property county must be identified before a loan amount is assigned a conforming or jumbo category. For borrower planning, the matched records share a one-unit conforming figure of $832,750, but the applicable county row still must be verified for a property. The 46 record count keeps the range tied to the statewide source coverage in place of an assumed national rule. The $832,750 to $832,750 amounts classify loan size within the published program table; they do not establish a borrower's capacity, a property's value, or the price of financing. Before using the $832,750 statewide maximum, county, legal unit count, and expected base loan amount must be known.
The highest one-unit conforming amount in South Carolina is $832,750, while the highest FHA amount is $690,000; at the low end, the figures are $832,750 and $541,287. For the decision at hand, these pairs show program boundaries, not competing offers. A requested amount below $832,750 may still fall outside the applicable county's conforming limit, and an amount below $690,000 may still face FHA borrower and property requirements. In practical terms, comparing $832,750, $832,750, $541,287, and $690,000 is useful only when county and unit count are held constant. The $832,750 and $690,000 ceilings leave rates, fees, mortgage insurance, appraisal, reserves, debt capacity, and product suitability as separate questions for the documented transaction.