SC mortgage rates

Richland County

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

Richland 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 Richland 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 Richland

A local view of the market.

Richland County, South Carolina, has seen a steady increase in its real estate market, with the average home value reaching $245,973, marking a 3.1% rise over the past year. Homes in the area typically go to pending status in about 17 days, indicating a relatively active market. The county is home to several prominent cities, with Columbia being the largest and serving as the state capital. Columbia has a population of approximately 137,300 residents. Other notable cities include Forest Acres and Irmo, which contribute to the county's diverse urban landscape. Richland County offers a mix of suburban and rural living, with suburban areas providing a vibrant community life and rural areas supporting agriculture and farming. The county's economy is bolstered by industries such as healthcare, education, and government services. Many people are drawn to Richland County for its affordable housing, strong job market, and the appealing blend of suburban and rural lifestyles.

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 communityColumbiaFrom the county record
Data year2026Aligned with this limit record
Columbia
Top cities & communities

Communities to explore.

Columbia
Questions & Answers

Refinancing in Richland County

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

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