SC mortgage rates

Colleton County

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

Colleton 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 Colleton 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 Colleton

A local view of the market.

Colleton County's real estate market has seen a notable increase in home values over the past year. The average home value in the county is approximately $242,819, marking an 11.4% rise from the previous year. This growth indicates a robust market, although the county is currently considered a buyer's market, suggesting that homes may stay on the market longer and prices could be more negotiable. The top cities in Colleton County include Walterboro, Edisto Beach, and Cottageville. Walterboro, the county seat, has a population of about 5,100 residents and serves as a central hub for the area. Edisto Beach, known for its scenic coastal views, has a smaller population but is a popular destination for both residents and tourists. Cottageville, with its rural charm, provides a quieter lifestyle for its approximately 750 residents. Living in Colleton County offers a mix of rural and suburban experiences, with agriculture playing a significant role in the local economy. The county's landscape is dotted with farms and open spaces, providing a serene environment for those seeking a rural lifestyle. Suburban life is centered around small towns like Walterboro, which offer essential services and community activities. The county's top industries include agriculture, manufacturing, and tourism, attracting people who appreciate its natural beauty and slower pace of life. Migration patterns suggest that people are moving to Colleton County for its affordable housing and the appeal of a more relaxed lifestyle away from urban centers.

Questions & Answers

Refinancing in Colleton County

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

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