Loan Limits / South Carolina / Darlington County
2026 Loan Limits · South Carolina · FLORENCE, SC
Darlington County, SC.
2026 conforming and FHA loan limits, calibrated to a median sales price of $209,000.
Median Sales Price
$209,000
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 Darlington County
Darlington County is a county in the U.S. state of South Carolina. As of the 2020 census, its population was 62,905. Its county seat is Darlington. Hartsville is the largest community in the county. Darlington County is home to the Darlington Raceway, which hosts the annual NASCAR Southern 500. Darlington County is also home to Coker College in Hartsville. Darlington County was named by an act in March 1785. Darlington County is included in the Florence, SC Metropolitan Statistical Area. Read more on Wikipedia →
Population
62,754
U.S. Census ACS 2023
Median Household Income
$47,419
U.S. Census ACS 2023
Median Home Value (Census)
$141,400
Owner-occupied · ACS 2023
Owner-Occupancy Rate
71%
Of occupied housing
What these limits mean for buyers in Darlington County
The 2026 conforming 1-unit limit for Darlington 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. Darlington 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 Darlington County at $209,000. This matches the FHA national floor — Darlington County did not qualify for an upward adjustment for 2026.
Practical takeaway. The median sales price in Darlington County ($209,000) 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
Darlington 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 Darlington County?
We'll structure the loan against the right limit and the right program. Conforming, FHA, VA, jumbo — all in-house.