SC mortgage rates

Charleston County

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

Charleston 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 Charleston 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 Charleston

A local view of the market.

Charleston County's real estate market has seen significant growth, with the average home value reaching approximately $589,649, marking a 7.4% increase over the past year. This rise reflects the county's desirability and the competitive nature of its housing market. The county is home to several prominent cities, including Charleston, which is the largest with a population of about 156,868. Other notable cities include North Charleston, with approximately 123,441 residents, and Mount Pleasant, which has around 96,567 people. Charleston County offers a blend of urban and suburban living, with areas like Mount Pleasant providing a suburban lifestyle, while other parts remain more rural. The county's economy is bolstered by industries such as tourism, healthcare, and manufacturing. The attractive job market, coupled with a vibrant cultural scene and mild climate, has been drawing people to the area, contributing to its population growth and dynamic real estate market.

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 communitiesCharleston · Mount Pleasant · North CharlestonFrom the county record
Data year2026Aligned with this limit record
CharlestonMount PleasantNorth Charleston
Top cities & communities

Communities to explore.

CharlestonMount PleasantNorth Charleston
Questions & Answers

Refinancing in Charleston County

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

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