Loan Limits / South Carolina / Anderson County
2026 Loan Limits · South Carolina · GREENVILLE-ANDERSON-GREER, SC
Anderson County, SC.
2026 conforming and FHA loan limits, calibrated to a median sales price of $335,000.
Median Sales Price
$335,000
Per HUD CHUMS, 2026
Conforming 1u Limit
$832,750
Standard conforming
FHA 1u Limit
$541,287
Floor
Jumbo Threshold
> $832,750
1-unit · loans above this are jumbo
Conforming (Fannie / Freddie)
Standard conforming| 1-unit (single-family) | $832,750 |
| 2-unit (duplex) | $1,066,250 |
| 3-unit (triplex) | $1,288,800 |
| 4-unit (fourplex) | $1,601,750 |
FHA Forward (203b)
Floor| 1-unit (single-family) | $541,287 |
| 2-unit (duplex) | $693,050 |
| 3-unit (triplex) | $837,700 |
| 4-unit (fourplex) | $1,041,125 |
About this county
About Anderson County
Anderson County is a county located in the U.S. state of South Carolina. As of the 2020 census, its population was 203,718. Its county seat is Anderson. Named for Revolutionary War leader Robert Anderson, the county is located in northwestern South Carolina, along the state line of Georgia. The county is included in the Greenville-Anderson-Greer, SC metropolitan statistical area. Anderson County contains 55,950-acre (22,640 ha) Lake Hartwell, a U.S. Army Corps of Engineers lake with nearly 1,000 miles (1,600 km) of shoreline for residential and recreational use. The area is a growing industrial, commercial, and tourist center. It is the home of Anderson University, a private, selective comprehensive university with about 4,000 undergraduate and graduate students. Read more on Wikipedia →
Population
207,218
U.S. Census ACS 2023
Median Household Income
$64,683
U.S. Census ACS 2023
Median Home Value (Census)
$212,500
Owner-occupied · ACS 2023
Owner-Occupancy Rate
75%
Of occupied housing
What these limits mean for buyers in Anderson County
The 2026 conforming 1-unit limit for Anderson County is $832,750. Loans at or below this amount can be sold by the originating lender to Fannie Mae or Freddie Mac, which keeps pricing tight and underwriting consistent. Anderson County uses the standard national conforming baseline.
For FHA financing, the 2026 1-unit limit is $541,287. The HUD CHUMS table pegs the median sales price for Anderson County at $335,000. This matches the FHA national floor — Anderson County did not qualify for an upward adjustment for 2026.
Practical takeaway. The median sales price in Anderson County ($335,000) is below both limits — FHA, conventional, and VA financing all cover median-priced purchases here. Choice between programs comes down to credit, down payment, and overlay differences.
How the limits are set
Conforming limits come from the Federal Housing Finance Agency (FHFA), which adjusts them each year based on changes in the FHFA Housing Price Index. FHA limits come from HUD: the national floor is $541,287 (65% of conforming baseline), the ceiling is $1,249,125 (150% of conforming baseline), and counties between are calculated as 115% of the area median sales price.
Multi-unit and house-hacking math
Anderson County 2-, 3-, and 4-unit conforming limits are $1,066,250, $1,288,800, and $1,601,750 respectively. If you're house-hacking — owner-occupying one unit of a 2-4 unit property — these are the limits that matter, and the rental income on the other units can be used to qualify. FHA and VA both finance owner-occupied 2-4 unit properties at their own multi-unit limits.
Limits effective 2026 per HUD CHUMS publication. Sourced GSE and FHA files. Generated 2026-04-26.
Buying in Anderson County?
We'll structure the loan against the right limit and the right program. Conforming, FHA, VA, jumbo — all in-house.