SC mortgage rates

Chesterfield County

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

Chesterfield 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 Chesterfield 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 Chesterfield

A local view of the market.

The real estate market in Chesterfield County, South Carolina, is currently characterized as a buyer's market. As of October 2024, the median sold price for homes was $234,950, with a median price per square foot of $186. This represents a slight decrease of 2.7% from the previous month. Chesterfield County includes several notable cities such as Cheraw, Pageland, and Chesterfield. Cheraw, known for its historical significance, has a population of approximately 5,800. Pageland, often referred to as the "Watermelon Capital of the World," has around 2,700 residents. Chesterfield, the county seat, is a smaller town with a population of about 1,400. Living in Chesterfield County offers a mix of rural and suburban experiences. The county is known for its agricultural activities, with farming playing a significant role in the local economy. The area offers a peaceful lifestyle with a strong sense of community, making it attractive to those seeking a quieter, more rural environment. The top industries include agriculture, manufacturing, and retail trade. People may be moving to Chesterfield County for its affordable housing options and the appeal of a slower pace of life.

Questions & Answers

Refinancing in Chesterfield County

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

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