SC mortgage rates

Horry County

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

Horry 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 Horry 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 Horry

A local view of the market.

Horry County's real estate market is currently characterized as a buyer's market, with the median home sold price at $325,992 as of October 2024, reflecting a 1.7% increase from the previous year. Homes in the area are selling for a median price of $213 per square foot. The county includes several key cities, with Myrtle Beach being the largest, known for its vibrant tourism industry and a population of approximately 35,000 residents. North Myrtle Beach is another popular city, with a population of around 16,000, known for its beautiful beaches and family-friendly atmosphere. Conway, the county seat, has a population of about 25,000 and offers a more suburban feel with a mix of historical sites and modern amenities. Living in Horry County offers a mix of suburban and rural lifestyles, with agriculture playing a significant role in the local economy alongside tourism. The county's top industries include tourism, agriculture, and retail, attracting people seeking a balance between rural charm and suburban convenience. The area is appealing to those looking for a slower pace of life, with many relocating from more urban areas to enjoy the county's natural beauty and lower cost of living.

County snapshot

Market context.

SC

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

Market areaMyrtle Beach-Conway-North Myrtle BeachMapped market area
Area code34820CBSA / MSA reference
Featured communitiesNorth Myrtle Beach · Conway · Myrtle BeachFrom the county record
Data year2026Aligned with this limit record
North Myrtle BeachConwayMyrtle Beach
Top cities & communities

Communities to explore.

North Myrtle BeachConwayMyrtle Beach
Questions & Answers

Refinancing in Horry County

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

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