Beaufort County, South Carolina loan limits 2026
FIPS 45013 · 20 ZIP codes, e.g. 29901, 29902, 29903, 29904, 29905, 29906 · metro area (CBSA) 25940
In Beaufort County the 2026 conforming loan limit is $832,750 for a single-family home — the national baseline. The FHA limit is $638,250. Anything above $832,750 is a jumbo loan.
Does my loan fit?
How much home fits under the limit?
The highest home price you can buy with a loan that still fits the 2026 limit, at that down payment. Your actual budget depends on income, debts, rates and the lender.
Conforming limit in Beaufort County, 2024–2026
Single-family limit set by the FHFA each year. The 2027 limits are announced in late November 2026 — this page updates automatically.
Loan limits by number of units
| Property | Conforming 2026 | FHA 2026 | Conforming vs. 2025 |
|---|---|---|---|
| 1 unit (single-family) | $832,750 | $638,250 | +3.3% |
| 2 units | $1,066,250 | $817,050 | +3.3% |
| 3 units | $1,288,800 | $987,650 | +3.3% |
| 4 units | $1,601,750 | $1,227,400 | +3.3% |
Conforming limits (FHFA) apply to loans bought by Fannie Mae and Freddie Mac; VA loans with partial entitlement use the same county limit. FHA limits (HUD) cap FHA-insured mortgages. Beaufort County is in metro area CBSA 25940; all its counties share the same limit.
HUD income limits FY2026
Area median family income: $113,000 · Beaufort County, SC HUD Metro FMR Area
| Household size | 1 | 2 | 3 | 4 | 5 | 6 | 7 | 8 |
|---|---|---|---|---|---|---|---|---|
| Low income (80%) | $63,300 | $72,350 | $81,400 | $90,400 | $97,650 | $104,900 | $112,100 | $119,350 |
| Very low income (50%) | $39,550 | $45,200 | $50,850 | $56,500 | $61,050 | $65,550 | $70,100 | $74,600 |
| Extremely low income (30%) | $23,750 | $27,150 | $30,550 | $33,900 | $38,680 | $44,360 | $50,040 | $55,720 |
Used for housing assistance and many down-payment and first-time-buyer programs. Programs set their own rules; check the program you apply to.
Fair market rent FY2027
| Unit | Fair market rent FY2027 | FY2026 | Change |
|---|---|---|---|
| Studio | $1,772/mo | $1,582 | +12% |
| 1 bedroom | $1,844/mo | $1,657 | +11.3% |
| 2 bedrooms | $2,010/mo | $1,816 | +10.7% |
| 3 bedrooms | $2,395/mo | $2,177 | +10% |
| 4 bedrooms | $2,880/mo | $2,720 | +5.9% |
HUD's fair market rent: the 40th-percentile gross rent (rent plus utilities) for standard units, used for Housing Choice Vouchers. Area: Beaufort County, SC HUD Metro FMR Area.
Same metro area
Counties in CBSA 25940 share the same loan limits.
Other counties in South Carolina
Highest limits first.
Official figures, not a loan offer. Limits come from FHFA and HUD publications. Loanlimitmap.com is an independent site — not a government website and not a lender. Whether you qualify for a loan is decided by your lender; check the current figures with them.
Questions
What is the conforming loan limit in Beaufort County, SC for 2026?
$832,750 for a one-unit property ($1,066,250 for 2 units, $1,288,800 for 3, $1,601,750 for 4), set by the FHFA; it was $806,500 in 2025.
What is the FHA loan limit in Beaufort County?
$638,250 for a single-family home in 2026 (HUD), up to $1,227,400 for a four-unit property.
What counts as a jumbo loan in Beaufort County?
A mortgage above $832,750 for a single-family home is a jumbo (non-conforming) loan in Beaufort County in 2026.
What are the HUD income limits in Beaufort County?
For a family of four (FY2026): low income $90,400, very low income $56,500, extremely low income $33,900; area median family income $113,000.
What is the fair market rent in Beaufort County?
$2,010 a month for a two-bedroom unit in FY2027 (HUD), $1,844 for one bedroom.