FHA Loan Limits and USDA Eligibility in Richland County, South Carolina
2026 FHA one-unit limit in Richland County is $541,287. Two-unit is $693,050, three-unit is $837,700, and four-unit is $1,041,125. USDA 502 Guaranteed 1–4 person moderate income is $122,800. 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
Richland 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 |
|---|---|---|
| 29002 | $541,287 | $122,800 |
| 29016 | $541,287 | $122,800 |
| 29020 | $541,287 | $122,800 |
| 29036 | $541,287 | $122,800 |
| 29044 | $541,287 | $122,800 |
| 29045 | $541,287 | $122,800 |
| 29052 | $541,287 | $122,800 |
| 29061 | $541,287 | $122,800 |
| 29063 | $541,287 | $122,800 |
| 29075 | $541,287 | $122,800 |
| 29130 | $541,287 | $122,800 |
| 29147 | $541,287 | $122,800 |
| 29177 | $541,287 | $122,800 |
| 29180 | $541,287 | $122,800 |
| 29201 | $541,287 | $122,800 |
| 29202 | $541,287 | $122,800 |
| 29203 | $541,287 | $122,800 |
| 29204 | $541,287 | $122,800 |
| 29205 | $541,287 | $122,800 |
| 29206 | $541,287 | $122,800 |
| 29208 | $541,287 | $122,800 |
| 29209 | $541,287 | $122,800 |
| 29210 | $541,287 | $122,800 |
| 29211 | $541,287 | $122,800 |
| 29212 | $541,287 | $122,800 |
| 29223 | $541,287 | $122,800 |
| 29229 | $541,287 | $122,800 |
| 29230 | $541,287 | $122,800 |