South Carolina 2025 FHA Loan Limits

Last Updated: Sun, January 5, 2025

Loan Limits in South Carolina

South Carolina has 46 counties with FHA Limits ranging from a low of $524,225 for a 1-bedroom unit in Abbeville County to a high of $1,216,350 for a 4-bedroom unit in Berkeley County.

For more details about the loan limits (including FHA Limits, HECM Limits, and Fannie Mae & Freddie Mac loan limits) in any of South Carolina's counties, choose the county from the interactive map or the list below.

Lowest Loan Limit ($1,008,300) †

Highest Loan Limit ($1,216,350)

† Lowest limit for homes with four living-units. There are lower limits for homes with fewer living-units.

Loan Limits by County in South Carolina (46 counties)

County	Single Unit Limit (lowest)	Four-Plex Limit (highest)
Abbeville County	$524,225	$1,008,300	view details »
Aiken County	$524,225	$1,008,300	view details »
Allendale County	$524,225	$1,008,300	view details »
Anderson County	$524,225	$1,008,300	view details »
Bamberg County	$524,225	$1,008,300	view details »
Barnwell County	$524,225	$1,008,300	view details »
Beaufort County	$609,500	$1,172,150	view details »
Berkeley County	$632,500	$1,216,350	view details »
Calhoun County	$524,225	$1,008,300	view details »
Charleston County	$632,500	$1,216,350	view details »
Cherokee County	$524,225	$1,008,300	view details »
Chester County	$524,225	$1,008,300	view details »
Chesterfield County	$524,225	$1,008,300	view details »
Clarendon County	$524,225	$1,008,300	view details »
Colleton County	$524,225	$1,008,300	view details »
Darlington County	$524,225	$1,008,300	view details »
Dillon County	$524,225	$1,008,300	view details »
Dorchester County	$632,500	$1,216,350	view details »
Edgefield County	$524,225	$1,008,300	view details »
Fairfield County	$524,225	$1,008,300	view details »
Florence County	$524,225	$1,008,300	view details »
Georgetown County	$524,225	$1,008,300	view details »
Greenville County	$524,225	$1,008,300	view details »
Greenwood County	$524,225	$1,008,300	view details »
Hampton County	$524,225	$1,008,300	view details »
Horry County	$524,225	$1,008,300	view details »
Jasper County	$609,500	$1,172,150	view details »
Kershaw County	$524,225	$1,008,300	view details »
Lancaster County	$524,225	$1,008,300	view details »
Laurens County	$524,225	$1,008,300	view details »
Lee County	$524,225	$1,008,300	view details »
Lexington County	$524,225	$1,008,300	view details »
Mccormick County	$524,225	$1,008,300	view details »
Marion County	$524,225	$1,008,300	view details »
Marlboro County	$524,225	$1,008,300	view details »
Newberry County	$524,225	$1,008,300	view details »
Oconee County	$524,225	$1,008,300	view details »
Orangeburg County	$524,225	$1,008,300	view details »
Pickens County	$524,225	$1,008,300	view details »
Richland County	$524,225	$1,008,300	view details »
Saluda County	$524,225	$1,008,300	view details »
Spartanburg County	$524,225	$1,008,300	view details »
Sumter County	$524,225	$1,008,300	view details »
Union County	$524,225	$1,008,300	view details »
Williamsburg County	$524,225	$1,008,300	view details »
York County	$524,225	$1,008,300	view details »

How to qualify for an FHA Loan in South Carolina?

To qualify for an FHA loan in South Carolina, your home loan must be below the local FHA loan limits in your area. For 2025, the maximum loan limit in South Carolina is $524,225 for a single-family home and $1,216,350 for a four-plex. Limits varies by county. The minimum loan limit is $5,000.

Loan limits vary by county and home size. In addition to loan limits, to qualify for an FHA loan you must live in the home as your primary residence. If you're purchasing a multi-family home, the monthly Fair Market Rent (FMR) for the property must exceed 1% of the purchase price. FHA loans cannot be used for commercial real estate investment purposes or "flipping" homes in South Carolina. Additional restricts apply. Click on the South Carolina map above or the table below to see loan limits in your area.

South Carolina 2025 FHA Loan Limits

Loan Limits in South Carolina

Loan Limits by County in South Carolina (46 counties)

How to qualify for an FHA Loan in South Carolina?

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