Loan Limits / North Carolina
2026 Loan Limits · NC
North Carolina loan limits.
All 100 counties in North Carolina with their 2026 conforming and FHA loan limits. Click a county for full multi-unit limits and context.
100 counties
1-unit limits shown · click for full detail| County | Median Price | GSE 1u | GSE Class | FHA 1u | FHA Class |
|---|---|---|---|---|---|
| Alamance | $290,000 | $832,750 | Standard | $541,287 | Standard |
| Alexander | $239,000 | $832,750 | Standard | $541,287 | Standard |
| Alleghany | $170,000 | $832,750 | Standard | $541,287 | Standard |
| Anson | $440,000 | $832,750 | Standard | $541,287 | Standard |
| Ashe | $125,000 | $832,750 | Standard | $541,287 | Standard |
| Avery | $240,000 | $832,750 | Standard | $541,287 | Standard |
| Beaufort | $235,000 | $832,750 | Standard | $541,287 | Standard |
| Bertie | $50,000 | $832,750 | Standard | $541,287 | Standard |
| Bladen | $125,000 | $832,750 | Standard | $541,287 | Standard |
| Brunswick | $430,000 | $832,750 | Standard | $541,287 | Standard |
| Buncombe | $435,000 | $832,750 | Standard | $541,287 | Standard |
| Burke | $239,000 | $832,750 | Standard | $541,287 | Standard |
| Cabarrus | $440,000 | $832,750 | Standard | $541,287 | Standard |
| Caldwell | $239,000 | $832,750 | Standard | $541,287 | Standard |
| Camden | $630,000 | $832,750 | Standard | $757,850 | High-cost |
| Carteret | $399,000 | $832,750 | Standard | $541,287 | Standard |
| Caswell | $165,000 | $832,750 | Standard | $541,287 | Standard |
| Catawba | $239,000 | $832,750 | Standard | $541,287 | Standard |
| Chatham | $552,000 | $832,750 | Standard | $634,800 | High-cost |
| Cherokee | $204,000 | $832,750 | Standard | $541,287 | Standard |
| Chowan | $288,000 | $832,750 | Standard | $541,287 | Standard |
| Clay | $240,000 | $832,750 | Standard | $541,287 | Standard |
| Cleveland | $200,000 | $832,750 | Standard | $541,287 | Standard |
| Columbus | $140,000 | $832,750 | Standard | $541,287 | Standard |
| Craven | $285,000 | $832,750 | Standard | $541,287 | Standard |
| Cumberland | $270,000 | $832,750 | Standard | $541,287 | Standard |
| Currituck | $630,000 | $832,750 | Standard | $757,850 | High-cost |
| Dare | $625,000 | $832,750 | Standard | $718,750 | High-cost |
| Davidson | $280,000 | $832,750 | Standard | $541,287 | Standard |
| Davie | $280,000 | $832,750 | Standard | $541,287 | Standard |
| Duplin | $159,000 | $832,750 | Standard | $541,287 | Standard |
| Durham | $552,000 | $832,750 | Standard | $634,800 | High-cost |
| Edgecombe | $220,000 | $832,750 | Standard | $541,287 | Standard |
| Forsyth | $280,000 | $832,750 | Standard | $541,287 | Standard |
| Franklin | $468,000 | $832,750 | Standard | $541,287 | Standard |
| Gaston | $440,000 | $832,750 | Standard | $541,287 | Standard |
| Gates | $630,000 | $832,750 | Standard | $757,850 | High-cost |
| Graham | $198,000 | $832,750 | Standard | $541,287 | Standard |
| Granville | $295,000 | $832,750 | Standard | $541,287 | Standard |
| Greene | $140,000 | $832,750 | Standard | $541,287 | Standard |
| Guilford | $280,000 | $832,750 | Standard | $541,287 | Standard |
| Halifax | $100,000 | $832,750 | Standard | $541,287 | Standard |
| Harnett | $320,000 | $832,750 | Standard | $541,287 | Standard |
| Haywood | $311,000 | $832,750 | Standard | $541,287 | Standard |
| Henderson | $435,000 | $832,750 | Standard | $541,287 | Standard |
| Hertford | $85,000 | $832,750 | Standard | $541,287 | Standard |
| Hoke | $270,000 | $832,750 | Standard | $541,287 | Standard |
| Hyde | $215,000 | $832,750 | Standard | $541,287 | Standard |
| Iredell | $440,000 | $832,750 | Standard | $541,287 | Standard |
| Jackson | $349,000 | $832,750 | Standard | $541,287 | Standard |
| Johnston | $468,000 | $832,750 | Standard | $541,287 | Standard |
| Jones | $285,000 | $832,750 | Standard | $541,287 | Standard |
| Lee | $300,000 | $832,750 | Standard | $541,287 | Standard |
| Lenoir | $153,000 | $832,750 | Standard | $541,287 | Standard |
| Lincoln | $440,000 | $832,750 | Standard | $541,287 | Standard |
| Macon | $285,000 | $832,750 | Standard | $541,287 | Standard |
| Madison | $435,000 | $832,750 | Standard | $541,287 | Standard |
| Martin | $99,000 | $832,750 | Standard | $541,287 | Standard |
| Mcdowell | $150,000 | $832,750 | Standard | $541,287 | Standard |
| Mecklenburg | $440,000 | $832,750 | Standard | $541,287 | Standard |
| Mitchell | $173,000 | $832,750 | Standard | $541,287 | Standard |
| Montgomery | $110,000 | $832,750 | Standard | $541,287 | Standard |
| Moore | $400,000 | $832,750 | Standard | $541,287 | Standard |
| Nash | $220,000 | $832,750 | Standard | $541,287 | Standard |
| New Hanover | $430,000 | $832,750 | Standard | $541,287 | Standard |
| Northampton | $100,000 | $832,750 | Standard | $541,287 | Standard |
| Onslow | $270,000 | $832,750 | Standard | $541,287 | Standard |
| Orange | $552,000 | $832,750 | Standard | $634,800 | High-cost |
| Pamlico | $285,000 | $832,750 | Standard | $541,287 | Standard |
| Pasquotank | $275,000 | $832,750 | Standard | $541,287 | Standard |
| Pender | $430,000 | $832,750 | Standard | $541,287 | Standard |
| Perquimans | $175,000 | $832,750 | Standard | $805,000 | High-cost |
| Person | $552,000 | $832,750 | Standard | $634,800 | High-cost |
| Pitt | $263,000 | $832,750 | Standard | $541,287 | Standard |
| Polk | $396,000 | $832,750 | Standard | $541,287 | Standard |
| Randolph | $280,000 | $832,750 | Standard | $541,287 | Standard |
| Richmond | $117,000 | $832,750 | Standard | $541,287 | Standard |
| Robeson | $125,000 | $832,750 | Standard | $541,287 | Standard |
| Rockingham | $280,000 | $832,750 | Standard | $541,287 | Standard |
| Rowan | $440,000 | $832,750 | Standard | $541,287 | Standard |
| Rutherford | $225,000 | $832,750 | Standard | $541,287 | Standard |
| Sampson | $130,000 | $832,750 | Standard | $541,287 | Standard |
| Scotland | $86,000 | $832,750 | Standard | $541,287 | Standard |
| Stanly | $260,000 | $832,750 | Standard | $541,287 | Standard |
| Stokes | $280,000 | $832,750 | Standard | $541,287 | Standard |
| Surry | $169,000 | $832,750 | Standard | $541,287 | Standard |
| Swain | $200,000 | $832,750 | Standard | $541,287 | Standard |
| Transylvania | $403,000 | $832,750 | Standard | $541,287 | Standard |
| Tyrrell | $90,000 | $832,750 | Standard | $541,287 | Standard |
| Union | $440,000 | $832,750 | Standard | $541,287 | Standard |
| Vance | $149,000 | $832,750 | Standard | $541,287 | Standard |
| Wake | $468,000 | $832,750 | Standard | $541,287 | Standard |
| Warren | $209,000 | $832,750 | Standard | $541,287 | Standard |
| Washington | $118,000 | $832,750 | Standard | $541,287 | Standard |
| Watauga | $448,000 | $832,750 | Standard | $541,287 | Standard |
| Wayne | $193,000 | $832,750 | Standard | $541,287 | Standard |
| Wilkes | $190,000 | $832,750 | Standard | $541,287 | Standard |
| Wilson | $204,000 | $832,750 | Standard | $541,287 | Standard |
| Yadkin | $280,000 | $832,750 | Standard | $541,287 | Standard |
| Yancey | $249,000 | $832,750 | Standard | $541,287 | Standard |
North Carolina at a glance
100 counties indexed. 9 are designated high-cost by HUD or FHFA. The highest GSE 1-unit limit in North Carolina is $832,750 in Alamance County.
Loan amount above the conforming limit for your county? You're in jumbo territory. Below the FHA ceiling? FHA financing is on the table. We can run the numbers for any property in North Carolina.