2026 Mortgage Loan Limits for Fairfield County, South Carolina
Fairfield County Loan Limits History
See how mortgage loan limits in this area have evolved over time. This historical chart shows conventional, FHA, VA, and USDA limits for 1-4 unit properties.
Fairfield County Loan Limits: Complete Historical Table
Browse the full historical data for Fairfield County mortgage loan limits from 1972 to 2026. This comprehensive table shows how loan limits have changed over 50+ years, helping you understand long-term trends in your local housing market.
| Year | Conventional | FHA | VA | USDA |
|---|---|---|---|---|
| 2026 | $832,750 | $541,275 | $832,750 | $433,020 |
| 2025 | $806,500 | $524,225 | $806,500 | $419,380 |
| 2024 | $766,550 | $498,257 | $766,550 | $398,606 |
| 2023 | $726,200 | $472,030 | $726,200 | $377,624 |
| 2022 | $647,200 | $420,680 | $647,200 | - |
| 2021 | $548,250 | $356,362 | $548,250 | - |
| 2020 | $510,400 | $331,760 | $510,400 | - |
| 2019 | $484,350 | $314,827 | $484,350 | - |
| 2018 | $453,100 | $294,515 | $453,100 | - |
| 2017 | $424,100 | $275,665 | $424,100 | - |
| 2016 | $417,000 | $271,050 | $417,000 | - |
| 2015 | $417,000 | $271,050 | $417,000 | - |
| 2014 | $417,000 | $271,050 | $417,000 | - |
| 2013 | $417,000 | $271,050 | $417,000 | - |
| 2012 | $417,000 | $271,050 | $417,000 | - |
| 2011 | $417,000 | $271,050 | $417,000 | - |
| 2010 | $417,000 | $271,050 | $417,000 | - |
| 2009 | $417,000 | $271,050 | $417,000 | - |
| 2008 | $417,000 | $200,160 | $417,000 | - |
Cities in Fairfield County, South Carolina
The following cities and communities are covered by Fairfield County loan limits. Whether you're looking for mortgage loan limits in Jenkinsville, Ridgeway, Winnsboro or any other Fairfield County city, the same conventional, FHA, VA, and USDA loan limits apply throughout the county.
Fairfield County, South Carolina Mortgage Market Analysis (2018-2024)
Explore borrowing and mortgage trends in Fairfield County, including conventional vs. government loan performance, average loan sizes, and market share shifts. Data sourced from HMDA regulatory filings shows how local lending patterns evolve through changing market conditions.
Loan Count by Loan Type (Fairfield County, South Carolina)
Number of mortgage loans originated by loan type (Conventional, FHA, VA, USDA) in Fairfield County from 2019-2024, showing the 1-year change from 2023 to 2024.
| Loan Type | 2019 | 2023 | 2024 | 1-Year Change |
|---|---|---|---|---|
| Conventional | 176 | 132 | 129 | ▼-2.27% |
| FHA | 42 | 58 | 50 | ▼-13.79% |
| VA | 32 | 32 | 46 | ▲43.75% |
| USDA | 12 | 4 | 3 | ▼-25.00% |
Market Share by Loan Type (Fairfield County, South Carolina)
Market share percentage by loan type (Conventional, FHA, VA, USDA) in Fairfield County from 2019-2024, showing the 1-year change from 2023 to 2024.
| Loan Type | 2019 | 2023 | 2024 | 1-Year Change |
|---|---|---|---|---|
| Conventional | 67.18% | 58.41% | 56.58% | ▼-1.83% |
| FHA | 16.03% | 25.66% | 21.93% | ▼-3.73% |
| VA | 12.21% | 14.16% | 20.18% | ▲6.02% |
| USDA | 4.58% | 1.77% | 1.32% | ▼-0.45% |
Average Loan-to-Value by Loan Type (Fairfield County, South Carolina)
Average loan-to-value ratio by loan type (Conventional, FHA, VA, USDA) in Fairfield County from 2019-2024, showing the 1-year change from 2023 to 2024.
| Loan Type | 2019 | 2023 | 2024 | 1-Year Change |
|---|---|---|---|---|
| Conventional | 77.90% | 67.90% | 75.30% | ▲7.40% |
| FHA | 92.60% | 89.20% | 93.70% | ▲4.50% |
| VA | 100.00% | 90.50% | 100.00% | ▲9.50% |
| USDA | 95.90% | 98.00% | 100.00% | ▲2.00% |
