Mortgage Refinance Rates in Beaufort County, South Carolina (2026)
Homeowners in Beaufort County — anchored by Beaufort County — are watching refinance rates closely. On a typical $239,000 balance, dropping from about 7.50% to 6.25% trims roughly $200 a month off principal and interest.
Beaufort County rate-and-term refinance
On a representative $239,000 loan in Beaufort County, the before-and-after looks like this:
| Monthly Principal & Interest | Amount |
|---|---|
| Current loan at ~7.50% | $1,671 |
| After refinancing at ~6.25% | $1,472 |
| Estimated monthly savings | $200 |
Figures assume a 30-year term and South Carolina escrows — your actual numbers move with your credit and loan size. Get alerts when rates drop.
Beaufort County refinance by loan size
Bigger balances save more each month. Here is the same 7.50%-to-6.25% move across three Beaufort County loan sizes:
| Balance | Now (~7.50%) | Refi (~6.25%) | Monthly Saved |
|---|---|---|---|
| $167,000 | $1,168 | $1,028 | $139 |
| $239,000 | $1,671 | $1,472 | $200 |
| $323,000 | $2,258 | $1,989 | $270 |
Beaufort County payment by interest rate
Here is the monthly principal and interest on a $239,000 Beaufort County balance at a range of rates, for both 30- and 15-year terms:
| Rate | 30-yr P&I | 15-yr P&I |
|---|---|---|
| 5.50% | $1,357 | $1,953 |
| 5.75% | $1,395 | $1,985 |
| 6.00% | $1,433 | $2,017 |
| 6.25% | $1,472 | $2,049 |
| 6.50% | $1,511 | $2,082 |
| 6.75% | $1,550 | $2,115 |
| 7.00% | $1,590 | $2,148 |
A 15-year refinance of $239,000 near Beaufort County runs about $2,049/month versus $1,472 on a 30-year — a higher payment near Beaufort County but far less total interest over the life of the Beaufort County loan.
Beaufort County cash-out options
Need cash for a project near Beaufort County? An 80%-LTV cash-out refinance frees up about $42,600 of your Beaufort County equity in a single new loan.
| Cash-Out Figure | Amount |
|---|---|
| Estimated home value | $352,000 |
| Typical current balance | $239,000 |
| 80% LTV ceiling (new loan) | $281,600 |
| Estimated cash available | $42,600 |
In Beaufort County, South Carolina, property taxes average roughly 0.57% of value, so escrow on a $352,000 home adds about $167/month beyond principal and interest. A $239,000 balance sits near 68% loan-to-value, leaving about $113,000 in equity — room for a rate-and-term refinance now and a cash-out later around Beaufort County.
Beaufort County loan limits for 2026
The 2026 conforming ceiling in Beaufort County is $806,500, the standard baseline. Above it, expect jumbo pricing and tighter underwriting.
- Beaufort County value about $352,000 with a $239,000 balance (~68% LTV).
- Monthly savings near $200; break-even around month 30 on $5,975 of costs.
- Five-year net of about $5,999 and cash-out room near $42,600.
- Conforming limit $806,500; current equity roughly $113,000 near Beaufort County.
Never Miss a Rate Worth Refinancing For
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
- What could a refinance save me in Beaufort County?
- On a typical $239,000 balance, moving from about 7.50% to 6.25% saves roughly $200/month in principal and interest. Your savings depend on your current rate, balance, and term.
- What is my cash-out limit in Beaufort County?
- Conventional cash-out refinances are capped at 80% of appraised value. On an estimated $352,000 Beaufort County home with a $239,000 balance, that is about $42,600 in available cash.
- When does a Beaufort County refinance turn jumbo?
- The 2026 conforming limit is $806,500 for a one-unit home (the national baseline). Refinances above that are jumbo loans.
- How fast do I break even in Beaufort County?
- Divide your closing costs (about $5,975 here) by your monthly savings. In this example you break even near month 30 — refinance only if you will keep the home past that.
- How much equity is in a typical Beaufort County-area home?
- On an estimated $352,000 value with a $239,000 balance, that is about $113,000 in equity — roughly 32%. A conventional cash-out requires you to keep 20%.
- Is now a good time to refinance in Beaufort County?
- A common rule of thumb: refinance when you can cut your rate by about 0.75 to 1% and stay past your break-even (near month 30 here). On a $239,000 Beaufort County balance, that move is worth roughly $200 a month.