Charleston County, South Carolina loan limits 2026
FIPS 45019 · 33 ZIP codes, e.g. 29401, 29402, 29403, 29404, 29405, 29406 · metro area (CBSA) 16700
In Charleston County the 2026 conforming loan limit is $832,750 for a single-family home — the national baseline. The FHA limit is $690,000. 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 Charleston 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 | $690,000 | +3.3% |
| 2 units | $1,066,250 | $883,300 | +3.3% |
| 3 units | $1,288,800 | $1,067,750 | +3.3% |
| 4 units | $1,601,750 | $1,326,950 | +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. Charleston County is in metro area CBSA 16700; all its counties share the same limit.
HUD income limits FY2026
Area median family income: $117,500 · Charleston-North Charleston, SC MSA
| Household size | 1 | 2 | 3 | 4 | 5 | 6 | 7 | 8 |
|---|---|---|---|---|---|---|---|---|
| Low income (80%) | $65,800 | $75,200 | $84,600 | $94,000 | $101,550 | $109,050 | $116,600 | $124,100 |
| Very low income (50%) | $41,150 | $47,000 | $52,900 | $58,750 | $63,450 | $68,150 | $72,850 | $77,550 |
| Extremely low income (30%) | $24,700 | $28,200 | $31,750 | $35,250 | $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 | $1,661/mo | $1,557 | +6.7% |
| 1 bedroom | $1,731/mo | $1,630 | +6.2% |
| 2 bedrooms | $1,884/mo | $1,787 | +5.4% |
| 3 bedrooms | $2,336/mo | $2,222 | +5.1% |
| 4 bedrooms | $2,687/mo | $2,562 | +4.9% |
HUD's fair market rent: the 40th-percentile gross rent (rent plus utilities) for standard units, used for Housing Choice Vouchers. Area: Charleston-North Charleston, SC MSA.
Same metro area
Counties in CBSA 16700 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 Charleston 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 Charleston County?
$690,000 for a single-family home in 2026 (HUD), up to $1,326,950 for a four-unit property.
What counts as a jumbo loan in Charleston County?
A mortgage above $832,750 for a single-family home is a jumbo (non-conforming) loan in Charleston County in 2026.
What are the HUD income limits in Charleston County?
For a family of four (FY2026): low income $94,000, very low income $58,750, extremely low income $35,250; area median family income $117,500.
What is the fair market rent in Charleston County?
$1,884 a month for a two-bedroom unit in FY2027 (HUD), $1,731 for one bedroom.