Mortgage Refinance Rates in South Carolina (2026)
With South Carolina's median value near $320,000, a homeowner refinancing a typical $218,000 balance from about 7.50% to 6.25% saves roughly $182/month — breaking even on ~$5,450 of costs near month 30.
Refinancing in South Carolina comes in three flavors: lower your rate, shorten your term, or pull out equity to 80% LTV. South Carolina uses the $806,500 conforming baseline statewide.
Refinance snapshot by South Carolina county
| County | Est. Value | 2026 Conforming Limit | Tier |
|---|---|---|---|
| Greenville County | $360,000 | $806,500 | Baseline |
| Richland County | $260,000 | $806,500 | Baseline |
| Charleston County | $560,000 | $806,500 | Baseline |
| Horry County | $340,000 | $806,500 | Baseline |
| Spartanburg County | $290,000 | $806,500 | Baseline |
| Lexington County | $300,000 | $806,500 | Baseline |
| York County | $320,000 | $806,500 | Baseline |
| Berkeley County | $320,000 | $806,500 | Baseline |
| Anderson County | $320,000 | $806,500 | Baseline |
| Aiken County | $320,000 | $806,500 | Baseline |
| Beaufort County | $320,000 | $806,500 | Baseline |
| Dorchester County | $320,000 | $806,500 | Baseline |
| Florence County | $320,000 | $806,500 | Baseline |
| Pickens County | $320,000 | $806,500 | Baseline |
| Sumter County | $320,000 | $806,500 | Baseline |
| Lancaster County | $320,000 | $806,500 | Baseline |
| Oconee County | $320,000 | $806,500 | Baseline |
| Orangeburg County | $320,000 | $806,500 | Baseline |
| Laurens County | $320,000 | $806,500 | Baseline |
| Darlington County | $320,000 | $806,500 | Baseline |
| Georgetown County | $320,000 | $806,500 | Baseline |
| Kershaw County | $320,000 | $806,500 | Baseline |
Should you refinance in South Carolina?
It comes down to your break-even. Take your closing costs (often 2-5% of the balance) and divide by your monthly savings — if you will stay in the home past that month count, refinancing usually wins. Cash-out makes sense when the rate and use of funds beat your other borrowing options.
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Refinance rates move daily and the right dip can save hundreds a month. We will tell you the moment it makes sense.
Frequently Asked Questions
- How much can refinancing save in South Carolina?
- On a $218,000 balance near the South Carolina median, dropping from ~7.50% to 6.25% saves about $182/month. Your figure depends on your current rate and balance.
- What is the conforming loan limit in South Carolina for 2026?
- Most South Carolina counties use the $806,500 baseline; high-cost counties go up to $1,209,750. Above that, refinances are jumbo loans.