SC mortgage rates

Edgefield County

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

Edgefield 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 Edgefield 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 Edgefield

A local view of the market.

Edgefield County, South Carolina, has seen a modest increase in its real estate market, with the average home value rising to $261,140, marking a 2.7% increase over the past year. This growth reflects a steady demand for housing in the area, making it an attractive option for potential homebuyers. The county's top cities include Edgefield, Johnston, and Trenton. Edgefield, the county seat, is known for its rich history and has a population of approximately 4,750 residents. Johnston, famous for its peach production, has around 2,300 residents, while Trenton is a smaller community with about 200 residents. These towns offer a blend of small-town charm and community spirit. Living in Edgefield County offers a predominantly rural lifestyle with a mix of suburban areas. The county is known for its agricultural roots, with farming and peach orchards playing a significant role in the local economy. The top industries include agriculture, manufacturing, and education. People are drawn to Edgefield County for its peaceful rural environment, affordable housing, and proximity to larger cities like Augusta, Georgia, providing a balance of quiet living with access to urban amenities.

County snapshot

Market context.

SC

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

Market areaAugusta-Richmond CountyMapped market area
Area code12260CBSA / MSA reference
Data year2026Aligned with this limit record
Questions & Answers

Refinancing in Edgefield County

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

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