SC mortgage rates

Darlington County

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

Darlington 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 Darlington 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 Darlington

A local view of the market.

The real estate market in Darlington County, South Carolina, has seen significant growth recently. As of October 2024, the median home list price in Darlington was $191,495, reflecting a 45.7% increase from the previous year. The median price per square foot stands at $114, indicating a robust appreciation in property values. Darlington County includes several notable cities, with Darlington being the county seat. Other prominent cities include Hartsville, with a population of approximately 7,500, and Lamar, which is smaller but known for its community-focused living. These cities contribute to the county's diverse urban and rural mix, offering various lifestyle options for residents. Living in Darlington County offers a blend of rural and suburban experiences. The area is characterized by its agricultural roots, with many farms and open spaces, yet it also provides suburban amenities. The top industries in the county include manufacturing and agriculture, attracting individuals seeking employment in these sectors. The county's appeal lies in its affordable housing and the opportunity for a quieter, community-oriented lifestyle, drawing people from more urbanized areas.

County snapshot

Market context.

SC

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

Market areaFlorenceMapped market area
Area code22500CBSA / MSA reference
Data year2026Aligned with this limit record
Questions & Answers

Refinancing in Darlington County

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

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