SC mortgage rates

Beaufort County

Clear, current 2026 mortgage and refinance loan limits for homeowners in Beaufort 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

Beaufort 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$638,250
2 units$817,050
3 units$987,650
4 units$1,227,400

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 Beaufort 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 Beaufort

A local view of the market.

The real estate market in Beaufort County, South Carolina, is characterized by a steady increase in home values. The average home value in the county is approximately $546,176, marking a 3.2% rise over the past year. Homes in this area typically go to pending status in around 39 days, indicating a relatively active market. Beaufort County includes several prominent cities, with Beaufort and Bluffton being among the most notable. Beaufort, the county seat, has a population of about 13,000 residents, while Bluffton is larger, with a population exceeding 30,000. These cities are known for their historic charm and vibrant communities, attracting both residents and tourists alike. Living in Beaufort County offers a mix of rural and suburban experiences. The county is known for its picturesque landscapes, including coastal areas and farmland, making it appealing for those interested in agriculture and outdoor activities. The top industries include tourism, healthcare, and education, contributing to the county's economic stability. Migration patterns suggest that people are moving to Beaufort County for its quality of life, scenic beauty, and the relatively affordable cost of living compared to other coastal regions.

County snapshot

Market context.

SC

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

Market areaHilton Head Island-BlufftonMapped market area
Area code25940CBSA / MSA reference
Featured communitiesBluffton · Hilton Head IslandFrom the county record
Data year2026Aligned with this limit record
BlufftonHilton Head Island
Top cities & communities

Communities to explore.

BlufftonHilton Head Island
Questions & Answers

Refinancing in Beaufort County

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

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