Orange County, North Carolina loan limits 2026
FIPS 37135 · 7 ZIP codes, e.g. 27231, 27243, 27278, 27510, 27514, 27515 · metro area (CBSA) 20500
In Orange County the 2026 conforming loan limit is $832,750 for a single-family home — the national baseline. The FHA limit is $634,800. Anything above $832,750 is a jumbo loan.
Does my loan fit?
How much home fits under the limit?
The highest home price you can buy with a loan that still fits the 2026 limit, at that down payment. Your actual budget depends on income, debts, rates and the lender.
Conforming limit in Orange County, 2024–2026
Single-family limit set by the FHFA each year. The 2027 limits are announced in late November 2026 — this page updates automatically.
Loan limits by number of units
| Property | Conforming 2026 | FHA 2026 | Conforming vs. 2025 |
|---|---|---|---|
| 1 unit (single-family) | $832,750 | $634,800 | +3.3% |
| 2 units | $1,066,250 | $812,650 | +3.3% |
| 3 units | $1,288,800 | $982,300 | +3.3% |
| 4 units | $1,601,750 | $1,220,800 | +3.3% |
Conforming limits (FHFA) apply to loans bought by Fannie Mae and Freddie Mac; VA loans with partial entitlement use the same county limit. FHA limits (HUD) cap FHA-insured mortgages. Orange County is in metro area CBSA 20500; all its counties share the same limit.
HUD income limits FY2026
Area median family income: $129,900 · Durham-Chapel Hill, NC HUD Metro FMR Area
| Household size | 1 | 2 | 3 | 4 | 5 | 6 | 7 | 8 |
|---|---|---|---|---|---|---|---|---|
| Low income (80%) | $71,200 | $81,400 | $91,550 | $101,700 | $109,850 | $118,000 | $126,150 | $134,250 |
| Very low income (50%) | $44,500 | $50,850 | $57,200 | $63,550 | $68,650 | $73,750 | $78,850 | $83,900 |
| Extremely low income (30%) | $26,750 | $30,550 | $34,350 | $38,150 | $41,250 | $44,360 | $50,040 | $55,720 |
Used for housing assistance and many down-payment and first-time-buyer programs. Programs set their own rules; check the program you apply to.
Fair market rent FY2027
| Unit | Fair market rent FY2027 | FY2026 | Change |
|---|---|---|---|
| Studio | $1,498/mo | $1,417 | +5.7% |
| 1 bedroom | $1,554/mo | $1,507 | +3.1% |
| 2 bedrooms | $1,745/mo | $1,711 | +2% |
| 3 bedrooms | $2,161/mo | $2,117 | +2.1% |
| 4 bedrooms | $2,486/mo | $2,527 | -1.6% |
HUD's fair market rent: the 40th-percentile gross rent (rent plus utilities) for standard units, used for Housing Choice Vouchers. Area: Durham-Chapel Hill, NC HUD Metro FMR Area.
Same metro area
Counties in CBSA 20500 share the same loan limits.
Other counties in North Carolina
Highest limits first.
Official figures, not a loan offer. Limits come from FHFA and HUD publications. Loanlimitmap.com is an independent site — not a government website and not a lender. Whether you qualify for a loan is decided by your lender; check the current figures with them.
Questions
What is the conforming loan limit in Orange County, NC for 2026?
$832,750 for a one-unit property ($1,066,250 for 2 units, $1,288,800 for 3, $1,601,750 for 4), set by the FHFA; it was $806,500 in 2025.
What is the FHA loan limit in Orange County?
$634,800 for a single-family home in 2026 (HUD), up to $1,220,800 for a four-unit property.
What counts as a jumbo loan in Orange County?
A mortgage above $832,750 for a single-family home is a jumbo (non-conforming) loan in Orange County in 2026.
What are the HUD income limits in Orange County?
For a family of four (FY2026): low income $101,700, very low income $63,550, extremely low income $38,150; area median family income $129,900.
What is the fair market rent in Orange County?
$1,745 a month for a two-bedroom unit in FY2027 (HUD), $1,554 for one bedroom.