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FHA loans in West Columbia, SC

Quick answer

The 2026 FHA loan limit in West Columbia, SC (Lexington County) is $541,287 for a single-family home, enough for a purchase price up to about $560,000 with 3.5% down. On the $186,200 median home value, that down payment is about $6,517 and the estimated payment is $1,546/month at 7.18%, which needs roughly $67,000 a year in income.

By Purchase Mortgage Loan Editorial Team Checked against official sources per our editorial standardsData last updated

Median household income: $54,152; value-to-income ratio 3.44. West Columbia ranks 51 by home value and 35 by population among 62 places in our SC dataset.

What does an FHA loan cost on a typical West Columbia home?

ItemWest Columbia
Median home value (Census ACS)$186,200
South Carolina median home value$236,700
Down payment (3.5%)$6,517
Loan incl. 1.75% upfront MIP$182,827
Estimated monthly payment (PITI + MI)$1,546
Income needed (28% / 36%)$67,000 / $52,000
Lexington County 2026 FHA limit (1 unit)$541,287
Max purchase price at the limit$560,000

Rate assumption: 7.18% (Freddie Mac PMMS 30-year fixed average, week of November 5, 2026). Change it in the payment calculator.

Payment includes South Carolina's 0.51% effective property tax rate (Census ACS), $1,753/yr homeowners insurance (NAIC state average) and 0.55% annual FHA MIP.

What is the 2026 FHA loan limit in West Columbia?

West Columbia is in Lexington County where HUD's 2026 one-unit FHA limit is $541,287. With the minimum 3.5% down, that caps the purchase price at about $560,000; above that you'd need a bigger down payment or a conventional loan (conforming limit $832,750).

The West Columbia median home value of $186,200 is 21% below the South Carolina median, and within what the county limit supports.

Which down payment assistance programs can West Columbia buyers use?

FHA loans in nearby cities

Oak GroveSt. AndrewsCayceSeven OaksLexingtonForest Acres

FHA loan FAQs for West Columbia

West Columbia is in Lexington County, where HUD's 2026 FHA limit for a one-unit home is $541,287. With 3.5% down, that supports a purchase price up to about $560,000.

3.5% of $186,200 is about $6,517 with a 580+ credit score (10%, or $18,620, with a 500–579 score), plus closing costs.

At the $186,200 median value (below the South Carolina median of $236,700), the estimated payment of $1,546/month at 7.18% needs about $67,000 a year under the 28% housing guideline, or $52,000 if your total debts stay under 36%.

0 city-level, 0 county-level and 1 statewide programs are verified for this city (1 total). Check each official administrator's eligibility rules and available funds.

Sources

Data last updated October 23, 2026.

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Figures on this page are estimates for educational purposes only and are not a loan offer or commitment to lend. Rates, loan limits, fees and assistance programs change frequently and vary by lender, location and borrower profile. Confirm current terms with a licensed loan officer.