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FHA loans in Apex, NC

Quick answer

The 2026 FHA loan limit in Apex, NC (Wake 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 $514,800 median home value, that down payment is about $18,018 and the estimated payment is $4,107/month at 7.18%, which needs roughly $176,000 a year in income.

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

Median household income: $138,442; value-to-income ratio 3.72. Apex ranks 6 by home value and 15 by population among 96 places in our NC dataset.

What does an FHA loan cost on a typical Apex home?

ItemApex
Median home value (Census ACS)$514,800
North Carolina median home value$259,400
Down payment (3.5%)$18,018
Loan incl. 1.75% upfront MIP$505,476
Estimated monthly payment (PITI + MI)$4,107
Income needed (28% / 36%)$176,000 / $137,000
Wake 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 North Carolina's 0.70% effective property tax rate (Census ACS), $1,852/yr homeowners insurance (NAIC state average) and 0.55% annual FHA MIP.

What is the 2026 FHA loan limit in Apex?

Apex is in Wake 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 Apex median home value of $514,800 is 98% above the North Carolina median, and within what the county limit supports.

Which down payment assistance programs can Apex buyers use?

FHA loans in nearby cities

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FHA loan FAQs for Apex

Apex is in Wake 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 $514,800 is about $18,018 with a 580+ credit score (10%, or $51,480, with a 500–579 score), plus closing costs.

At the $514,800 median value (above the North Carolina median of $259,400), the estimated payment of $4,107/month at 7.18% needs about $176,000 a year under the 28% housing guideline, or $137,000 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.