North Carolina Mortgage Guide 2026
Compare 2026 FHA and conforming loan limits across all 100 counties in North Carolina. FHA limits in this state range from $541,287 to $541,287, while conforming limits range from $832,750 to $832,750.
2026 Loan Limits by County in North Carolina
| # | County | FHA Limit (1-Unit) | Conforming Limit (1-Unit) | Median Home Value |
|---|---|---|---|---|
| 1 | Alamance County | $541,287 | $832,750 | $241,500 |
| 2 | Alexander County | $541,287 | $832,750 | $211,800 |
| 3 | Alleghany County | $541,287 | $832,750 | $214,800 |
| 4 | Anson County | $541,287 | $832,750 | $148,600 |
| 5 | Ashe County | $541,287 | $832,750 | $243,100 |
| 6 | Avery County | $541,287 | $832,750 | $265,800 |
| 7 | Beaufort County | $541,287 | $832,750 | $192,700 |
| 8 | Bertie County | $541,287 | $832,750 | $98,500 |
| 9 | Bladen County | $541,287 | $832,750 | $135,100 |
| 10 | Brunswick County | $541,287 | $832,750 | $349,800 |
| 11 | Buncombe County | $541,287 | $832,750 | $391,800 |
| 12 | Burke County | $541,287 | $832,750 | $185,400 |
| 13 | Cabarrus County | $541,287 | $832,750 | $354,800 |
| 14 | Caldwell County | $541,287 | $832,750 | $192,200 |
| 15 | Camden County | $541,287 | $832,750 | $337,100 |
| 16 | Carteret County | $541,287 | $832,750 | $333,300 |
| 17 | Caswell County | $541,287 | $832,750 | $164,500 |
| 18 | Catawba County | $541,287 | $832,750 | $241,600 |
| 19 | Chatham County | $541,287 | $832,750 | $446,200 |
| 20 | Cherokee County | $541,287 | $832,750 | $232,300 |
| 21 | Chowan County | $541,287 | $832,750 | $235,800 |
| 22 | Clay County | $541,287 | $832,750 | $278,400 |
| 23 | Cleveland County | $541,287 | $832,750 | $200,000 |
| 24 | Columbus County | $541,287 | $832,750 | $146,000 |
| 25 | Craven County | $541,287 | $832,750 | $231,600 |
| 26 | Cumberland County | $541,287 | $832,750 | $199,200 |
| 27 | Currituck County | $541,287 | $832,750 | $378,800 |
| 28 | Dare County | $541,287 | $832,750 | $460,400 |
| 29 | Davidson County | $541,287 | $832,750 | $219,100 |
| 30 | Davie County | $541,287 | $832,750 | $253,900 |
| 31 | Duplin County | $541,287 | $832,750 | $137,400 |
| 32 | Durham County | $541,287 | $832,750 | $389,400 |
| 33 | Edgecombe County | $541,287 | $832,750 | $125,100 |
| 34 | Forsyth County | $541,287 | $832,750 | $250,400 |
| 35 | Franklin County | $541,287 | $832,750 | $284,300 |
| 36 | Gaston County | $541,287 | $832,750 | $266,000 |
| 37 | Gates County | $541,287 | $832,750 | $170,800 |
| 38 | Graham County | $541,287 | $832,750 | $170,600 |
| 39 | Granville County | $541,287 | $832,750 | $247,700 |
| 40 | Greene County | $541,287 | $832,750 | $117,400 |
| 41 | Guilford County | $541,287 | $832,750 | $259,900 |
| 42 | Halifax County | $541,287 | $832,750 | $106,200 |
| 43 | Harnett County | $541,287 | $832,750 | $246,200 |
| 44 | Haywood County | $541,287 | $832,750 | $279,200 |
| 45 | Henderson County | $541,287 | $832,750 | $351,400 |
| 46 | Hertford County | $541,287 | $832,750 | $119,200 |
| 47 | Hoke County | $541,287 | $832,750 | $219,300 |
| 48 | Hyde County | $541,287 | $832,750 | $124,000 |
| 49 | Iredell County | $541,287 | $832,750 | $321,400 |
| 50 | Jackson County | $541,287 | $832,750 | $284,700 |
| 51 | Johnston County | $541,287 | $832,750 | $305,600 |
| 52 | Jones County | $541,287 | $832,750 | $130,300 |
| 53 | Lee County | $541,287 | $832,750 | $240,200 |
| 54 | Lenoir County | $541,287 | $832,750 | $120,500 |
| 55 | Lincoln County | $541,287 | $832,750 | $321,000 |
| 56 | Macon County | $541,287 | $832,750 | $251,900 |
| 57 | Madison County | $541,287 | $832,750 | $284,600 |
| 58 | Martin County | $541,287 | $832,750 | $109,700 |
| 59 | McDowell County | $541,287 | $832,750 | $171,100 |
| 60 | Mecklenburg County | $541,287 | $832,750 | $406,800 |
| 61 | Mitchell County | $541,287 | $832,750 | $220,100 |
| 62 | Montgomery County | $541,287 | $832,750 | $161,700 |
| 63 | Moore County | $541,287 | $832,750 | $351,400 |
| 64 | Nash County | $541,287 | $832,750 | $191,000 |
| 65 | New Hanover County | $541,287 | $832,750 | $387,800 |
| 66 | Northampton County | $541,287 | $832,750 | $114,500 |
| 67 | Onslow County | $541,287 | $832,750 | $236,400 |
| 68 | Orange County | $541,287 | $832,750 | $459,500 |
| 69 | Pamlico County | $541,287 | $832,750 | $216,800 |
| 70 | Pasquotank County | $541,287 | $832,750 | $234,600 |
| 71 | Pender County | $541,287 | $832,750 | $299,000 |
| 72 | Perquimans County | $541,287 | $832,750 | $231,700 |
| 73 | Person County | $541,287 | $832,750 | $213,900 |
| 74 | Pitt County | $541,287 | $832,750 | $208,900 |
| 75 | Polk County | $541,287 | $832,750 | $315,000 |
| 76 | Randolph County | $541,287 | $832,750 | $197,100 |
| 77 | Richmond County | $541,287 | $832,750 | $127,800 |
| 78 | Robeson County | $541,287 | $832,750 | $94,500 |
| 79 | Rockingham County | $541,287 | $832,750 | $168,600 |
| 80 | Rowan County | $541,287 | $832,750 | $238,400 |
| 81 | Rutherford County | $541,287 | $832,750 | $201,800 |
| 82 | Sampson County | $541,287 | $832,750 | $150,700 |
| 83 | Scotland County | $541,287 | $832,750 | $114,900 |
| 84 | Stanly County | $541,287 | $832,750 | $242,400 |
| 85 | Stokes County | $541,287 | $832,750 | $196,700 |
| 86 | Surry County | $541,287 | $832,750 | $177,600 |
| 87 | Swain County | $541,287 | $832,750 | $207,000 |
| 88 | Transylvania County | $541,287 | $832,750 | $373,600 |
| 89 | Tyrrell County | $541,287 | $832,750 | $164,500 |
| 90 | Union County | $541,287 | $832,750 | $417,300 |
| 91 | Vance County | $541,287 | $832,750 | $161,500 |
| 92 | Wake County | $541,287 | $832,750 | $461,300 |
| 93 | Warren County | $541,287 | $832,750 | $154,200 |
| 94 | Washington County | $541,287 | $832,750 | $125,900 |
| 95 | Watauga County | $541,287 | $832,750 | $358,900 |
| 96 | Wayne County | $541,287 | $832,750 | $178,700 |
| 97 | Wilkes County | $541,287 | $832,750 | $168,800 |
| 98 | Wilson County | $541,287 | $832,750 | $186,000 |
| 99 | Yadkin County | $541,287 | $832,750 | $181,200 |
| 100 | Yancey County | $541,287 | $832,750 | $243,100 |
About North Carolina's Mortgage Market
North Carolina has 100 counties, each with its own FHA and conforming loan limits for 2026. FHA limits in North Carolina range from $541,287 to $541,287 for a single-family home. Conforming limits range from $832,750 to $832,750.
Use our mortgage calculator to compute monthly payments using North Carolina-specific loan limits. Or explore a specific county above for detailed FHA vs conventional comparisons.
Frequently Asked Questions
What is the maximum FHA loan limit in North Carolina?
The highest 2026 FHA limit in North Carolina is $541,287 for a single-family home.
What is the maximum conforming loan limit in North Carolina?
The highest 2026 conforming loan limit in North Carolina is $832,750 for a single-family home. Loans above this threshold are considered "jumbo" and require stricter qualifications.
How many counties are in North Carolina?
North Carolina has 100 counties, each with its own loan limits published annually by FHFA and HUD.
Data Source: FHFA Conforming Loan Limits 2026, HUD FHA Forward Mortgage Limits 2026, U.S. Census Bureau ACS 5-Year Estimates. Public domain. This page is for informational purposes and does not constitute financial advice.