SC mortgage rates

Newberry County

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

Newberry 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 Newberry 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 Newberry

A local view of the market.

The real estate market in Newberry County, South Carolina, has seen significant growth over the past year. As of October 2024, the median home list price reached $325,000, marking a 66.7% increase from the previous year. This rise reflects a robust demand in the area, with the median price per square foot at $166. Newberry County is home to several cities, with Newberry being the largest. The city of Newberry has a population of approximately 10,000 residents, offering a blend of historic charm and modern amenities. Other notable towns include Prosperity and Whitmire, which contribute to the county's diverse community landscape. Living in Newberry County offers a mix of rural and suburban experiences, with a strong emphasis on agriculture and farming. The county's economy is supported by industries such as manufacturing and education, attracting individuals seeking a quieter lifestyle with access to suburban conveniences. The area's affordable housing and scenic landscapes make it an appealing destination for those relocating from more urban environments.

County snapshot

Market context.

SC

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

Market areaNewberryMapped market area
Area code35140CBSA / MSA reference
Data year2026Aligned with this limit record
Questions & Answers

Refinancing in Newberry County

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

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