SC mortgage rates

Florence County

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

Official InstaRefi video preview
Watch InstaRefi Overview
2026 limits

2026 Mortgage Loan Limits

Florence 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.

View all South Carolina counties
Refinance Payment Estimate

Estimate Your Refinance in Florence 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 Florence

A local view of the market.

Florence County, South Carolina, has experienced a notable increase in real estate values, with the median home list price reaching $219,950 in October 2024, reflecting a 15.8% rise from the previous year. This growth indicates a robust demand in the housing market, with the median price per square foot standing at $132. The county is home to several prominent cities, including Florence, the largest city, with a population of approximately 39,899, and Lake City, which has around 6,675 residents. These cities serve as central hubs for commerce and culture within the county, offering a variety of amenities and services to residents. Florence County offers a mix of rural and suburban living, with agriculture playing a significant role in its economy. The area is known for its farming activities, contributing to the local economy alongside industries such as manufacturing and healthcare. The county attracts new residents due to its affordable housing, quality of life, and the balance it offers between rural charm and suburban convenience.

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
Featured communityFlorenceFrom the county record
Data year2026Aligned with this limit record
Florence
Top cities & communities

Communities to explore.

Florence
Questions & Answers

Refinancing in Florence County

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

Make the next move with confidence

Your rate opportunity should feel clear.

InstaRefi monitors the market and helps you decide when a conversation may be worth your time. No pressure. No unnecessary credit checks.

No SSN required to get alerts No impact to your credit to check Helpful by email and text
Your data stays protected.We use encryption and privacy practices designed around your trust.Read our privacy policy
Always on your side

Never miss a refinance opportunity.

Get clear, timely mortgage alerts without hurting your credit.