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.


** Document Provided By FHALoans.guide **
Source: https://fhaloans.guide/loan-limits/south-carolina