SC mortgage rates

York County

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

York 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 York 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 York

A local view of the market.

In York County, South Carolina, the real estate market is experiencing a rise in home values. As of October 2024, the median sold price for homes in the county was $392,237, marking a 3.2% increase from the previous year. The average home value is approximately $383,574, which has increased by 3.8% over the past year. York County includes several prominent cities, with Rock Hill being the largest, boasting a population of over 74,000. Fort Mill, another key city, has a population of around 24,000, while the town of York has about 8,000 residents. Clover, known for its small-town charm, has a population of approximately 6,000. Living in York County offers a mix of rural and suburban lifestyles. The area is known for its agricultural roots, with farming and agriculture playing significant roles in the local economy. Suburban life is vibrant, particularly in areas like Fort Mill and Rock Hill, which attract families and professionals due to their proximity to Charlotte, North Carolina. The county's top industries include manufacturing, healthcare, and retail, contributing to its appeal for those seeking employment opportunities. Many people are drawn to York County for its blend of rural charm and suburban convenience, as well as its strong community feel and access to natural beauty and recreational activities.

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
Featured communitiesFort Mill · Rock HillFrom the county record
Data year2026Aligned with this limit record
Fort MillRock Hill
Top cities & communities

Communities to explore.

Fort MillRock Hill
Questions & Answers

Refinancing in York County

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

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