SC mortgage rates

Lancaster County

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

Lancaster 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 Lancaster 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 Lancaster

A local view of the market.

The real estate market in Lancaster County, South Carolina, is experiencing a seller's market with a median home price of $412,225 as of October 2024, reflecting a 1.4% increase from the previous year. The median price per square foot stands at $200, indicating a competitive market where homes are selling relatively quickly. Lancaster County encompasses several notable cities, including Lancaster, Indian Land, and Kershaw. Lancaster, the county seat, has a population of approximately 9,000 residents. Indian Land is one of the fastest-growing areas with a population of around 20,000, while Kershaw offers a more rural setting with a smaller population. Living in Lancaster County offers a mix of rural and suburban lifestyles, with agriculture playing a significant role in the local economy. The county is known for its farming and agricultural activities, while also providing suburban amenities, making it attractive for those seeking a balance between rural charm and suburban convenience. The top industries include manufacturing and healthcare, and the area is seeing an influx of residents due to its affordable housing and proximity to larger urban centers like Charlotte, North Carolina.

County snapshot

Market context.

SC

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

Market areaCharlotte-Concord-GastoniaMapped market area
Area code16740CBSA / MSA reference
Data year2026Aligned with this limit record
Questions & Answers

Refinancing in Lancaster County

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

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