SC mortgage rates

Oconee County

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

Oconee 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 Oconee 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 Oconee

A local view of the market.

The real estate market in Oconee County, South Carolina, has seen significant growth, with the median home sold price reaching $371,818 in October 2024, marking a 10.3% increase from the previous year. The median price per square foot is $201, indicating a robust market where homes are reasonably priced and tend to stay on the market for a typical duration. Oconee County's top cities include Seneca, with a population of approximately 8,856, and Walhalla, the county seat, with about 4,081 residents. Other notable communities are Keowee Key and Westminster, which have populations of 2,757 and 2,353, respectively. Living in Oconee County offers a mix of rural and suburban lifestyles, making it appealing to both young professionals and retirees. The county is predominantly rural, with agriculture playing a significant role in the local economy. Many residents are drawn to the area for its natural beauty and the suburban amenities available in cities like Seneca and Walhalla. The county's growth is fueled by its attractive lifestyle options and economic opportunities.

County snapshot

Market context.

SC

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

Market areaSenecaMapped market area
Area code42860CBSA / MSA reference
Data year2026Aligned with this limit record
Questions & Answers

Refinancing in Oconee County

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

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