Avg Home Value
$320,000
Lending Limit
$1,209,750
South Carolina Housing Market Analysis
The housing market in South Carolina is stable, with average values sitting at $320,000. This places most homeowners comfortably within the FHA's lending limits, ensuring you get the full benefit of federal insurance protections.
Loan Limits in South Carolina
For 2026, the federal lending limit is $1,209,750.
Since the median home value in South Carolina is below this cap, your loan amount will be determined strictly by your age and current interest rates, not by the lending cap.
Specific Laws for South Carolina
South Carolina generally follows standard federal HUD guidelines for reverse mortgages. This includes the requirement for independent counseling and the right to a 3-day rescission period after closing.
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