SC mortgage rates

Lexington County

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

Lexington 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 Lexington 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 Lexington

A local view of the market.

The real estate market in Lexington County, South Carolina, has seen significant growth, with the median home list price reaching $319,963 in October 2024, marking a 25.5% increase from the previous year. The average home value in the county is approximately $263,220, which has risen by 3.0% over the past year. Lexington County is home to several prominent cities, including Lexington, West Columbia, and Cayce. Lexington, the county seat, is a rapidly growing area with a population of around 23,000. West Columbia and Cayce, both located near the state capital of Columbia, have populations of approximately 17,000 and 14,000, respectively, offering a mix of suburban and urban living environments. Living in Lexington County offers a blend of rural and suburban lifestyles. The county is characterized by its agricultural roots, with farming still playing a significant role in the local economy. However, suburban life is prevalent, particularly in areas closer to Columbia. Key industries include manufacturing, healthcare, and education, attracting new residents seeking employment opportunities. The county's appeal is further enhanced by its affordable housing, good schools, and proximity to natural attractions, making it a desirable location for families and professionals relocating 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 areaColumbiaMapped market area
Area code17900CBSA / MSA reference
Featured communityLexingtonFrom the county record
Data year2026Aligned with this limit record
Lexington
Top cities & communities

Communities to explore.

Lexington
Questions & Answers

Refinancing in Lexington 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.