What are the loan limits in each North Carolina county?
| County | Conforming (1 unit) | FHA (1 unit) | FHA (2 units) | Median home value |
|---|---|---|---|---|
| Alamance County | $832,750 | $541,287 | $693,050 | $221,200 |
| Alexander County | $832,750 | $541,287 | $693,050 | $190,000 |
| Alleghany County | $832,750 | $541,287 | $693,050 | $199,000 |
| Anson County | $832,750 | $541,287 | $693,050 | $119,300 |
| Ashe County | $832,750 | $541,287 | $693,050 | $221,900 |
| Avery County | $832,750 | $541,287 | $693,050 | $233,200 |
| Beaufort County | $832,750 | $541,287 | $693,050 | $181,200 |
| Bertie County | $832,750 | $541,287 | $693,050 | $95,800 |
| Bladen County | $832,750 | $541,287 | $693,050 | $125,800 |
| Brunswick County | $832,750 | $541,287 | $693,050 | $314,700 |
| Buncombe County | $832,750 | $541,287 | $693,050 | $360,000 |
| Burke County | $832,750 | $541,287 | $693,050 | $170,500 |
| Cabarrus County | $832,750 | $541,287 | $693,050 | $318,600 |
| Caldwell County | $832,750 | $541,287 | $693,050 | $174,000 |
| Camden County | $832,750 | $757,850 | $970,200 | $289,800 |
| Carteret County | $832,750 | $541,287 | $693,050 | $304,200 |
| Caswell County | $832,750 | $541,287 | $693,050 | $151,200 |
| Catawba County | $832,750 | $541,287 | $693,050 | $218,100 |
| Chatham County | $832,750 | $634,800 | $812,650 | $397,800 |
| Cherokee County | $832,750 | $541,287 | $693,050 | $208,700 |
| Chowan County | $832,750 | $541,287 | $693,050 | $204,400 |
| Clay County | $832,750 | $541,287 | $693,050 | $263,300 |
| Cleveland County | $832,750 | $541,287 | $693,050 | $180,200 |
| Columbus County | $832,750 | $541,287 | $693,050 | $128,300 |
| Craven County | $832,750 | $541,287 | $693,050 | $206,200 |
| Cumberland County | $832,750 | $541,287 | $693,050 | $183,700 |
| Currituck County | $832,750 | $757,850 | $970,200 | $351,200 |
| Dare County | $832,750 | $718,750 | $920,150 | $425,400 |
| Davidson County | $832,750 | $541,287 | $693,050 | $200,100 |
| Davie County | $832,750 | $541,287 | $693,050 | $235,300 |
| Duplin County | $832,750 | $541,287 | $693,050 | $123,200 |
| Durham County | $832,750 | $634,800 | $812,650 | $351,700 |
| Edgecombe County | $832,750 | $541,287 | $693,050 | $116,800 |
| Forsyth County | $832,750 | $541,287 | $693,050 | $227,800 |
| Franklin County | $832,750 | $541,287 | $693,050 | $240,900 |
| Gaston County | $832,750 | $541,287 | $693,050 | $235,000 |
| Gates County | $832,750 | $757,850 | $970,200 | $163,900 |
| Graham County | $832,750 | $541,287 | $693,050 | $155,800 |
| Granville County | $832,750 | $541,287 | $693,050 | $235,700 |
| Greene County | $832,750 | $541,287 | $693,050 | $114,000 |
| Guilford County | $832,750 | $541,287 | $693,050 | $234,900 |
| Halifax County | $832,750 | $541,287 | $693,050 | $102,500 |
| Harnett County | $832,750 | $541,287 | $693,050 | $220,700 |
| Haywood County | $832,750 | $541,287 | $693,050 | $254,900 |
| Henderson County | $832,750 | $541,287 | $693,050 | $317,800 |
| Hertford County | $832,750 | $541,287 | $693,050 | $111,100 |
| Hoke County | $832,750 | $541,287 | $693,050 | $196,000 |
| Hyde County | $832,750 | $541,287 | $693,050 | $119,600 |
| Iredell County | $832,750 | $541,287 | $693,050 | $292,300 |
| Jackson County | $832,750 | $541,287 | $693,050 | $253,900 |
| Johnston County | $832,750 | $541,287 | $693,050 | $267,600 |
| Jones County | $832,750 | $541,287 | $693,050 | $122,600 |
| Lee County | $832,750 | $541,287 | $693,050 | $213,800 |
| Lenoir County | $832,750 | $541,287 | $693,050 | $111,400 |
| Lincoln County | $832,750 | $541,287 | $693,050 | $279,500 |
| Macon County | $832,750 | $541,287 | $693,050 | $229,000 |
| Madison County | $832,750 | $541,287 | $693,050 | $263,500 |
| Martin County | $832,750 | $541,287 | $693,050 | $109,900 |
| McDowell County | $832,750 | $541,287 | $693,050 | $168,300 |
| Mecklenburg County | $832,750 | $541,287 | $693,050 | $371,200 |
| Mitchell County | $832,750 | $541,287 | $693,050 | $202,100 |
| Montgomery County | $832,750 | $541,287 | $693,050 | $150,300 |
| Moore County | $832,750 | $541,287 | $693,050 | $315,300 |
| Nash County | $832,750 | $541,287 | $693,050 | $171,100 |
| New Hanover County | $832,750 | $541,287 | $693,050 | $353,700 |
| Northampton County | $832,750 | $541,287 | $693,050 | $102,200 |
| Onslow County | $832,750 | $541,287 | $693,050 | $219,500 |
| Orange County | $832,750 | $634,800 | $812,650 | $428,500 |
| Pamlico County | $832,750 | $541,287 | $693,050 | $209,800 |
| Pasquotank County | $832,750 | $541,287 | $693,050 | $223,300 |
| Pender County | $832,750 | $541,287 | $693,050 | $267,100 |
| Perquimans County | $832,750 | $805,000 | $1,030,550 | $211,600 |
| Person County | $832,750 | $634,800 | $812,650 | $192,800 |
| Pitt County | $832,750 | $541,287 | $693,050 | $194,300 |
| Polk County | $832,750 | $541,287 | $693,050 | $281,100 |
| Randolph County | $832,750 | $541,287 | $693,050 | $171,600 |
| Richmond County | $832,750 | $541,287 | $693,050 | $120,800 |
| Robeson County | $832,750 | $541,287 | $693,050 | $88,600 |
| Rockingham County | $832,750 | $541,287 | $693,050 | $156,000 |
| Rowan County | $832,750 | $541,287 | $693,050 | $216,100 |
| Rutherford County | $832,750 | $541,287 | $693,050 | $180,800 |
| Sampson County | $832,750 | $541,287 | $693,050 | $128,400 |
| Scotland County | $832,750 | $541,287 | $693,050 | $109,900 |
| Stanly County | $832,750 | $541,287 | $693,050 | $214,300 |
| Stokes County | $832,750 | $541,287 | $693,050 | $186,800 |
| Surry County | $832,750 | $541,287 | $693,050 | $166,400 |
| Swain County | $832,750 | $541,287 | $693,050 | $209,800 |
| Transylvania County | $832,750 | $541,287 | $693,050 | $336,100 |
| Tyrrell County | $832,750 | $541,287 | $693,050 | $138,400 |
| Union County | $832,750 | $541,287 | $693,050 | $374,400 |
| Vance County | $832,750 | $541,287 | $693,050 | $146,300 |
| Wake County | $832,750 | $541,287 | $693,050 | $422,800 |
| Warren County | $832,750 | $541,287 | $693,050 | $124,700 |
| Washington County | $832,750 | $541,287 | $693,050 | $107,000 |
| Watauga County | $832,750 | $541,287 | $693,050 | $321,500 |
| Wayne County | $832,750 | $541,287 | $693,050 | $162,700 |
| Wilkes County | $832,750 | $541,287 | $693,050 | $161,400 |
| Wilson County | $832,750 | $541,287 | $693,050 | $171,800 |
| Yadkin County | $832,750 | $541,287 | $693,050 | $176,400 |
| Yancey County | $832,750 | $541,287 | $693,050 | $222,300 |
Which North Carolina counties are high-cost areas?
No North Carolina county is above the national baseline, so the conforming limit is $832,750 statewide.
Largest cities in North Carolina
Frequently asked questions
FHA one-unit limits in North Carolina start at $541,287. In Wake County, the most populous county, it's $541,287.
The 2026 one-unit conforming limit in Wake County is $832,750.
With 3.5% down, the $541,287 FHA floor supports a price of about $560,000. Higher-limit counties allow more.
Sources
- FHFA — 2026 Conforming Loan Limit Values
- HUD — 2026 FHA Forward Mortgage Limits (county file)
- U.S. Census Bureau — ACS 2019–2023 5-Year Estimates
Data last updated October 23, 2026.
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