SC mortgage rates

Berkeley County

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

Berkeley 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$690,000
2 units$883,300
3 units$1,067,750
4 units$1,326,950

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 Berkeley 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 Berkeley

A local view of the market.

Berkeley County, South Carolina, has a dynamic real estate market with a median listing home price of $407,500 as of October 2024. This represents a slight decrease of 2.4% compared to the previous year. The median home sold price is $377,500, indicating a balanced market where homes are generally selling close to their listing prices. The county includes several notable cities such as Moncks Corner, Goose Creek, and Hanahan. Moncks Corner has a median listing home price of $380,000, while Goose Creek's median is $337,000. Hanahan, known for its suburban appeal, has a median listing price of $430,000. These cities contribute significantly to the county's population and economic activity. Living in Berkeley County offers a mix of rural and suburban lifestyles, with agriculture playing a significant role in the local economy. The area is attractive for those seeking a balance between suburban convenience and rural charm, with many residents drawn by the county's natural beauty and outdoor recreational opportunities. The top industries include manufacturing, retail, and healthcare, which support a steady influx of new residents seeking employment and a high quality of life.

County snapshot

Market context.

SC

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

Market areaCharleston-North CharlestonMapped market area
Area code16700CBSA / MSA reference
Featured communitiesHanahan · Goose CreekFrom the county record
Data year2026Aligned with this limit record
HanahanGoose Creek
Top cities & communities

Communities to explore.

HanahanGoose Creek
Questions & Answers

Refinancing in Berkeley County

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

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