North Carolina loan limits 2026 by county
In 2026, every one of the 100 counties in North Carolina has the $832,750 baseline conforming loan limit for a one-unit home. FHA limits run from $541,287 to $805,000: 9 counties are above the $541,287 national floor. VA has no limit for a veteran with full entitlement; with remaining entitlement it uses the county's conforming one-unit limit.
FHA and conforming loan limits for every North Carolina county
| County | Conforming 2026 | FHA 2026 | FHA area |
|---|---|---|---|
| Alamance County | $832,750 | $541,287 | Burlington, NC |
| Alexander County | $832,750 | $541,287 | Hickory-Lenoir-Morganton, NC |
| Alleghany County | $832,750 | $541,287 | Non-Metro |
| Anson County | $832,750 | $541,287 | Charlotte-Concord-Gastonia, NC-SC |
| Ashe County | $832,750 | $541,287 | Non-Metro |
| Avery County | $832,750 | $541,287 | Non-Metro |
| Beaufort County | $832,750 | $541,287 | Washington, NC |
| Bertie County | $832,750 | $541,287 | Non-Metro |
| Bladen County | $832,750 | $541,287 | Non-Metro |
| Brunswick County | $832,750 | $541,287 | Wilmington, NC |
| Buncombe County | $832,750 | $541,287 | Asheville, NC |
| Burke County | $832,750 | $541,287 | Hickory-Lenoir-Morganton, NC |
| Cabarrus County | $832,750 | $541,287 | Charlotte-Concord-Gastonia, NC-SC |
| Caldwell County | $832,750 | $541,287 | Hickory-Lenoir-Morganton, NC |
| Camden County | $832,750 | $757,850 | Virginia Beach-Chesapeake-Norfolk, VA-NC |
| Carteret County | $832,750 | $541,287 | Morehead City, NC |
| Caswell County | $832,750 | $541,287 | Non-Metro |
| Catawba County | $832,750 | $541,287 | Hickory-Lenoir-Morganton, NC |
| Chatham County | $832,750 | $634,800 | Durham-Chapel Hill, NC |
| Cherokee County | $832,750 | $541,287 | Non-Metro |
| Chowan County | $832,750 | $541,287 | Non-Metro |
| Clay County | $832,750 | $541,287 | Non-Metro |
| Cleveland County | $832,750 | $541,287 | Shelby-Kings Mountain, NC |
| Columbus County | $832,750 | $541,287 | Non-Metro |
| Craven County | $832,750 | $541,287 | New Bern, NC |
| Cumberland County | $832,750 | $541,287 | Fayetteville, NC |
| Currituck County | $832,750 | $757,850 | Virginia Beach-Chesapeake-Norfolk, VA-NC |
| Dare County | $832,750 | $718,750 | Kill Devil Hills, NC |
| Davidson County | $832,750 | $541,287 | Winston-Salem, NC |
| Davie County | $832,750 | $541,287 | Winston-Salem, NC |
| Duplin County | $832,750 | $541,287 | Non-Metro |
| Durham County | $832,750 | $634,800 | Durham-Chapel Hill, NC |
| Edgecombe County | $832,750 | $541,287 | Rocky Mount, NC |
| Forsyth County | $832,750 | $541,287 | Winston-Salem, NC |
| Franklin County | $832,750 | $541,287 | Raleigh-Cary, NC |
| Gaston County | $832,750 | $541,287 | Charlotte-Concord-Gastonia, NC-SC |
| Gates County | $832,750 | $757,850 | Virginia Beach-Chesapeake-Norfolk, VA-NC |
| Graham County | $832,750 | $541,287 | Non-Metro |
| Granville County | $832,750 | $541,287 | Non-Metro |
| Greene County | $832,750 | $541,287 | Non-Metro |
| Guilford County | $832,750 | $541,287 | Greensboro-High Point, NC |
| Halifax County | $832,750 | $541,287 | Roanoke Rapids, NC |
| Harnett County | $832,750 | $541,287 | Anderson Creek, NC |
| Haywood County | $832,750 | $541,287 | Waynesville, NC |
| Henderson County | $832,750 | $541,287 | Asheville, NC |
| Hertford County | $832,750 | $541,287 | Non-Metro |
| Hoke County | $832,750 | $541,287 | Fayetteville, NC |
| Hyde County | $832,750 | $541,287 | Non-Metro |
| Iredell County | $832,750 | $541,287 | Charlotte-Concord-Gastonia, NC-SC |
| Jackson County | $832,750 | $541,287 | Non-Metro |
| Johnston County | $832,750 | $541,287 | Raleigh-Cary, NC |
| Jones County | $832,750 | $541,287 | New Bern, NC |
| Lee County | $832,750 | $541,287 | Sanford, NC |
| Lenoir County | $832,750 | $541,287 | Kinston, NC |
| Lincoln County | $832,750 | $541,287 | Charlotte-Concord-Gastonia, NC-SC |
| Macon County | $832,750 | $541,287 | Non-Metro |
| Madison County | $832,750 | $541,287 | Asheville, NC |
| Martin County | $832,750 | $541,287 | Non-Metro |
| McDowell County | $832,750 | $541,287 | Marion, NC |
| Mecklenburg County | $832,750 | $541,287 | Charlotte-Concord-Gastonia, NC-SC |
| Mitchell County | $832,750 | $541,287 | Non-Metro |
| Montgomery County | $832,750 | $541,287 | Non-Metro |
| Moore County | $832,750 | $541,287 | Pinehurst-Southern Pines, NC |
| Nash County | $832,750 | $541,287 | Rocky Mount, NC |
| New Hanover County | $832,750 | $541,287 | Wilmington, NC |
| Northampton County | $832,750 | $541,287 | Roanoke Rapids, NC |
| Onslow County | $832,750 | $541,287 | Jacksonville, NC |
| Orange County | $832,750 | $634,800 | Durham-Chapel Hill, NC |
| Pamlico County | $832,750 | $541,287 | New Bern, NC |
| Pasquotank County | $832,750 | $541,287 | Elizabeth City, NC |
| Pender County | $832,750 | $541,287 | Wilmington, NC |
| Perquimans County | $832,750 | $805,000 | Non-Metro |
| Person County | $832,750 | $634,800 | Durham-Chapel Hill, NC |
| Pitt County | $832,750 | $541,287 | Greenville, NC |
| Polk County | $832,750 | $541,287 | Non-Metro |
| Randolph County | $832,750 | $541,287 | Greensboro-High Point, NC |
| Richmond County | $832,750 | $541,287 | Rockingham, NC |
| Robeson County | $832,750 | $541,287 | Lumberton, NC |
| Rockingham County | $832,750 | $541,287 | Greensboro-High Point, NC |
| Rowan County | $832,750 | $541,287 | Charlotte-Concord-Gastonia, NC-SC |
| Rutherford County | $832,750 | $541,287 | Forest City, NC |
| Sampson County | $832,750 | $541,287 | Non-Metro |
| Scotland County | $832,750 | $541,287 | Laurinburg, NC |
| Stanly County | $832,750 | $541,287 | Albemarle, NC |
| Stokes County | $832,750 | $541,287 | Winston-Salem, NC |
| Surry County | $832,750 | $541,287 | Mount Airy, NC |
| Swain County | $832,750 | $541,287 | Non-Metro |
| Transylvania County | $832,750 | $541,287 | Brevard, NC |
| Tyrrell County | $832,750 | $541,287 | Non-Metro |
| Union County | $832,750 | $541,287 | Charlotte-Concord-Gastonia, NC-SC |
| Vance County | $832,750 | $541,287 | Henderson, NC |
| Wake County | $832,750 | $541,287 | Raleigh-Cary, NC |
| Warren County | $832,750 | $541,287 | Non-Metro |
| Washington County | $832,750 | $541,287 | Non-Metro |
| Watauga County | $832,750 | $541,287 | Boone, NC |
| Wayne County | $832,750 | $541,287 | Goldsboro, NC |
| Wilkes County | $832,750 | $541,287 | North Wilkesboro, NC |
| Wilson County | $832,750 | $541,287 | Wilson, NC |
| Yadkin County | $832,750 | $541,287 | Winston-Salem, NC |
| Yancey County | $832,750 | $541,287 | Non-Metro |
One-unit limits. Each county page has the 2, 3 and 4 unit limits, the VA figure and how the county compares. Conforming limits announced November 25, 2025; FHA limits for 2026.
Highest FHA loan limits in North Carolina
Perquimans County ($805,000), Camden County ($757,850), Currituck County ($757,850), Gates County ($757,850) and Dare County ($718,750). HUD sets a county above the floor where 115 percent of its area's median home price is higher than the floor, up to the $1,249,125 ceiling; every county of one HUD area has the same limit.
FHA, VA and conforming limits in North Carolina
- FHA loan limits 2026HUD's floor and ceiling, how a county's limit is set and the highest-limit counties nationally.
- Conforming loan limits 2026FHFA's baseline, the high-cost ceiling and the special Alaska and Hawaii limits, with the announcement calendar.
- VA loan limitsNo limit with full entitlement since 2020; how the county limit sets the guaranty for remaining entitlement.
- Jumbo loan limit 2026The loan size above which a mortgage is jumbo in each county, and the high-balance band.
- North Carolina fair market rentsHUD Fair Market Rents for every North Carolina county, studios to 4 bedrooms.
- North Carolina property tax ratesEffective property tax rate for every North Carolina county from survey data.
Buying in North Carolina? Check the title first
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Questions about North Carolina loan limits
What are the FHA loan limits in North Carolina for 2026?
$541,287 to $805,000 for a one-unit home, depending on the county. 9 counties are above the national floor of $541,287, led by Perquimans County ($805,000), Camden County ($757,850) and Currituck County ($757,850); the rest are at the floor. Two to four unit limits are on each county page. HUD's limits apply to case numbers assigned on or after January 1, 2026.
What is the conforming loan limit in North Carolina for 2026?
$832,750 for a one-unit home in every North Carolina county, effective January 1, 2026 (FHFA).
What is the VA loan limit in North Carolina?
There is none for a veteran with full entitlement: VA removed county loan limits for them on January 1, 2020. A veteran with entitlement in use gets a guaranty based on the county's FHFA one-unit limit, $832,750 in North Carolina for 2026: 25 percent of that limit minus the entitlement already used.
Which North Carolina counties have the highest loan limits?
Conforming: every county is at the baseline. FHA: Perquimans County at $805,000. Limits follow FHFA's and HUD's metropolitan areas, so every county in one area has the same figure.
Loan limits in nearby states
Legal references
- 12 U.S.C. 1709(b)(2), FHA mortgage limits (115 percent of the area median, floor and ceiling)
Published federal limits. JSON: /api/data/loan-limits/north-carolina. Not lending advice.