SC mortgage rates

Aiken County

Clear, current 2026 mortgage and refinance loan limits for homeowners in Aiken County, South Carolina. Use the verified baseline numbers below to calculate your refinance payment, evaluate your home equity, and monitor when rate alerts make refinancing advantageous.

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2026 limits

2026 Mortgage Loan Limits

Aiken County

Conforming Loan Limits

Per property
1 unit$832,750
2 units$1,066,250
3 units$1,288,800
4 units$1,601,750

FHA Loan Limits

Per property
1 unit$541,287
2 units$693,050
3 units$837,700
4 units$1,041,125

Source: Official Federal Housing Finance Agency (FHFA) and HUD loan limit schedules. Conforming data represents conventional maximums. Last synchronized: 2026 update cycle.

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Refinance Payment Estimate

Estimate Your Refinance in Aiken County

Use your current mortgage details to estimate a new refinance payment and potential monthly savings.

Estimated New Monthly Payment$2,528Principal & interest only
Home value − mortgage balance
Mortgage balance ÷ home value
Added to the proposed new loan
Proposed New Loan Amount$400,000
Estimated New Payment$2,528
Estimated Monthly SavingsAdd current rate

Estimates include principal and interest only. Taxes, insurance, closing costs, and mortgage insurance are not included.

About Aiken

A local view of the market.

The real estate market in Aiken County, South Carolina, is experiencing a slight decline in median home prices. As of October 2024, the median listing home price was $305,000, which represents a 1.6% decrease from the previous year. The median price per square foot was $161, and homes sold for a median price of $290,000, indicating a balanced market where homes are selling close to their listing prices. Aiken County is home to several notable cities, including Aiken, North Augusta, and Graniteville. Aiken, the largest city, has a population of approximately 30,000 residents and is known for its historic charm and equestrian culture. North Augusta, with a population of around 23,000, offers a suburban feel with access to the Savannah River. Graniteville is smaller, with a population of about 2,500, and is part of the Augusta metropolitan area. Living in Aiken County offers a mix of rural and suburban lifestyles. The county is known for its agricultural roots, with many farms and equestrian facilities. Suburban areas provide a quieter lifestyle with a strong sense of community. The top industries in the region include manufacturing, healthcare, and education. Aiken County attracts new residents due to its affordable housing, mild climate, and proximity to larger cities like Augusta, Georgia, making it an appealing destination for those seeking a balance between rural and suburban living.

County snapshot

Market context.

SC

Public location data associated with this county record. Optional fields are shown only when present in the source.

Market areaAugusta-Richmond CountyMapped market area
Area code12260CBSA / MSA reference
Featured communitiesAiken · North AugustaFrom the county record
Data year2026Aligned with this limit record
AikenNorth Augusta
Top cities & communities

Communities to explore.

AikenNorth Augusta
Questions & Answers

Refinancing in Aiken County

Common questions about 2026 loan limits and refinancing opportunities in South Carolina.

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