FHA Loan Limits and USDA Eligibility in Charleston County, South Carolina
2026 FHA one-unit limit in Charleston County is $690,000. Two-unit is $883,300, three-unit is $1,067,750, and four-unit is $1,326,950. USDA 502 Guaranteed 1–4 person moderate income is $135,150. Enter a ZIP on the maps. USDA scores the property address, not the county.
2026 FHA Loan Limits Map for South Carolina
South Carolina one-unit limits: —
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Standard Floor: $541,287Mid-Tier: $541,288–$750,000High-Cost: $750,001–$1,000,000Elite Zone: $1,000,001+
USDA Property Eligibility and Income Limits Map for South Carolina
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EligibleIneligibleUSDA ineligible boundary
Charleston County FHA Loan Limits and USDA Income
FHA one-unit caps are county. USDA 1–4 person guaranteed income can split a county; when a ZIP lists more than one cap, both are listed. This table does not mark a ZIP as USDA eligible or ineligible.
| ZIP | FHA one-unit loan limit | USDA 1–4 person moderate income |
|---|---|---|
| 29401 | $690,000 | $135,150 |
| 29403 | $690,000 | $135,150 |
| 29405 | $690,000 | $135,150 |
| 29406 | $690,000 | $135,150 |
| 29407 | $690,000 | $135,150 |
| 29412 | $690,000 | $135,150 |
| 29414 | $690,000 | $135,150 |
| 29418 | $690,000 | $135,150 |
| 29419 | $690,000 | $135,150 |
| 29420 | $690,000 | $135,150 |
| 29422 | $690,000 | $135,150 |
| 29426 | $690,000 | $135,150 |
| 29429 | $690,000 | $135,150 |
| 29438 | $690,000 | $122,800 to $135,150 |
| 29439 | $690,000 | $135,150 |
| 29449 | $690,000 | $135,150 |
| 29451 | $690,000 | $135,150 |
| 29455 | $690,000 | $135,150 |
| 29456 | $690,000 | $135,150 |
| 29458 | $690,000 | $135,150 |
| 29464 | $690,000 | $135,150 |
| 29466 | $690,000 | $135,150 |
| 29470 | $690,000 | $135,150 |
| 29482 | $690,000 | $135,150 |
| 29485 | $690,000 | $135,150 |
| 29487 | $690,000 | $135,150 |