Limits for 2026 · updated 2026-10-29
North Carolina loan limits 2026
All 100 counties in North Carolina use the national baseline conforming limit of $832,750. Click a county for FHA limits, income limits and rents.
Conforming loan limit by county
Baseline ($832,750) 100
All counties
| Alamance County | $832,750 | +3.3% | $541,287 | $290,000 | $1,348 |
| Alexander County | $832,750 | +3.3% | $541,287 | $239,000 | $1,147 |
| Alleghany County | $832,750 | +3.3% | $541,287 | $170,000 | $1,048 |
| Anson County | $832,750 | +3.3% | $541,287 | $440,000 | $1,143 |
| Ashe County | $832,750 | +3.3% | $541,287 | $125,000 | $1,012 |
| Avery County | $832,750 | +3.3% | $541,287 | $240,000 | $1,012 |
| Beaufort County | $832,750 | +3.3% | $541,287 | $235,000 | $1,012 |
| Bertie County | $832,750 | +3.3% | $541,287 | $50,000 | $1,081 |
| Bladen County | $832,750 | +3.3% | $541,287 | $125,000 | $1,012 |
| Brunswick County | $832,750 | +3.3% | $541,287 | $430,000 | $1,574 |
| Buncombe County | $832,750 | +3.3% | $541,287 | $435,000 | $1,866 |
| Burke County | $832,750 | +3.3% | $541,287 | $239,000 | $1,147 |
| Cabarrus County | $832,750 | +3.3% | $541,287 | $440,000 | $1,785 |
| Caldwell County | $832,750 | +3.3% | $541,287 | $239,000 | $1,147 |
| Camden County | $832,750 | +3.3% | $757,850 | $630,000 | $1,364 |
| Carteret County | $832,750 | +3.3% | $541,287 | $399,000 | $1,277 |
| Caswell County | $832,750 | +3.3% | $541,287 | $165,000 | $1,012 |
| Catawba County | $832,750 | +3.3% | $541,287 | $239,000 | $1,147 |
| Chatham County | $832,750 | +3.3% | $634,800 | $552,000 | $1,745 |
| Cherokee County | $832,750 | +3.3% | $541,287 | $204,000 | $1,012 |
| Chowan County | $832,750 | +3.3% | $541,287 | $288,000 | $1,331 |
| Clay County | $832,750 | +3.3% | $541,287 | $240,000 | $1,087 |
| Cleveland County | $832,750 | +3.3% | $541,287 | $200,000 | $1,014 |
| Columbus County | $832,750 | +3.3% | $541,287 | $140,000 | $1,012 |
| Craven County | $832,750 | +3.3% | $541,287 | $285,000 | $1,246 |
| Cumberland County | $832,750 | +3.3% | $541,287 | $270,000 | $1,476 |
| Currituck County | $832,750 | +3.3% | $757,850 | $630,000 | $1,667 |
| Dare County | $832,750 | +3.3% | $718,750 | $625,000 | $1,510 |
| Davidson County | $832,750 | +3.3% | $541,287 | $280,000 | $1,087 |
| Davie County | $832,750 | +3.3% | $541,287 | $280,000 | $1,332 |
| Duplin County | $832,750 | +3.3% | $541,287 | $159,000 | $1,025 |
| Durham County | $832,750 | +3.3% | $634,800 | $552,000 | $1,745 |
| Edgecombe County | $832,750 | +3.3% | $541,287 | $220,000 | $1,167 |
| Forsyth County | $832,750 | +3.3% | $541,287 | $280,000 | $1,332 |
| Franklin County | $832,750 | +3.3% | $541,287 | $468,000 | $1,689 |
| Gaston County | $832,750 | +3.3% | $541,287 | $440,000 | $1,785 |
| Gates County | $832,750 | +3.3% | $757,850 | $630,000 | $1,665 |
| Graham County | $832,750 | +3.3% | $541,287 | $198,000 | $1,012 |
| Granville County | $832,750 | +3.3% | $541,287 | $295,000 | $1,213 |
| Greene County | $832,750 | +3.3% | $541,287 | $140,000 | $1,012 |
| Guilford County | $832,750 | +3.3% | $541,287 | $280,000 | $1,271 |
| Halifax County | $832,750 | +3.3% | $541,287 | $100,000 | $1,012 |
| Harnett County | $832,750 | +3.3% | $541,287 | $320,000 | $1,051 |
| Haywood County | $832,750 | +3.3% | $541,287 | $311,000 | $1,250 |
| Henderson County | $832,750 | +3.3% | $541,287 | $435,000 | $1,866 |
| Hertford County | $832,750 | +3.3% | $541,287 | $85,000 | $1,012 |
| Hoke County | $832,750 | +3.3% | $541,287 | $270,000 | $1,150 |
| Hyde County | $832,750 | +3.3% | $541,287 | $215,000 | $1,012 |
| Iredell County | $832,750 | +3.3% | $541,287 | $440,000 | $1,429 |
| Jackson County | $832,750 | +3.3% | $541,287 | $349,000 | $1,039 |
| Johnston County | $832,750 | +3.3% | $541,287 | $468,000 | $1,689 |
| Jones County | $832,750 | +3.3% | $541,287 | $285,000 | $1,012 |
| Lee County | $832,750 | +3.3% | $541,287 | $300,000 | $1,179 |
| Lenoir County | $832,750 | +3.3% | $541,287 | $153,000 | $1,012 |
| Lincoln County | $832,750 | +3.3% | $541,287 | $440,000 | $1,138 |
| Macon County | $832,750 | +3.3% | $541,287 | $285,000 | $1,015 |
| Madison County | $832,750 | +3.3% | $541,287 | $435,000 | $1,866 |
| Martin County | $832,750 | +3.3% | $541,287 | $99,000 | $1,012 |
| McDowell County | $832,750 | +3.3% | $541,287 | $150,000 | $1,012 |
| Mecklenburg County | $832,750 | +3.3% | $541,287 | $440,000 | $1,785 |
| Mitchell County | $832,750 | +3.3% | $541,287 | $173,000 | $1,012 |
| Montgomery County | $832,750 | +3.3% | $541,287 | $110,000 | $1,012 |
| Moore County | $832,750 | +3.3% | $541,287 | $400,000 | $1,223 |
| Nash County | $832,750 | +3.3% | $541,287 | $220,000 | $1,167 |
| New Hanover County | $832,750 | +3.3% | $541,287 | $430,000 | $1,705 |
| Northampton County | $832,750 | +3.3% | $541,287 | $100,000 | $1,012 |
| Onslow County | $832,750 | +3.3% | $541,287 | $270,000 | $1,319 |
| Orange County | $832,750 | +3.3% | $634,800 | $552,000 | $1,745 |
| Pamlico County | $832,750 | +3.3% | $541,287 | $285,000 | $1,088 |
| Pasquotank County | $832,750 | +3.3% | $541,287 | $275,000 | $1,220 |
| Pender County | $832,750 | +3.3% | $541,287 | $430,000 | $1,199 |
| Perquimans County | $832,750 | +3.3% | $805,000 | $175,000 | $1,040 |
| Person County | $832,750 | +3.3% | $634,800 | $552,000 | $1,012 |
| Pitt County | $832,750 | +3.3% | $541,287 | $263,000 | $1,167 |
| Polk County | $832,750 | +3.3% | $541,287 | $396,000 | $1,012 |
| Randolph County | $832,750 | +3.3% | $541,287 | $280,000 | $1,271 |
| Richmond County | $832,750 | +3.3% | $541,287 | $117,000 | $1,012 |
| Robeson County | $832,750 | +3.3% | $541,287 | $125,000 | $1,012 |
| Rockingham County | $832,750 | +3.3% | $541,287 | $280,000 | $1,012 |
| Rowan County | $832,750 | +3.3% | $541,287 | $440,000 | $1,262 |
| Rutherford County | $832,750 | +3.3% | $541,287 | $225,000 | $1,012 |
| Sampson County | $832,750 | +3.3% | $541,287 | $130,000 | $1,012 |
| Scotland County | $832,750 | +3.3% | $541,287 | $86,000 | $1,012 |
| Stanly County | $832,750 | +3.3% | $541,287 | $260,000 | $1,012 |
| Stokes County | $832,750 | +3.3% | $541,287 | $280,000 | $1,332 |
| Surry County | $832,750 | +3.3% | $541,287 | $169,000 | $1,012 |
| Swain County | $832,750 | +3.3% | $541,287 | $200,000 | $1,012 |
| Transylvania County | $832,750 | +3.3% | $541,287 | $403,000 | $1,386 |
| Tyrrell County | $832,750 | +3.3% | $541,287 | $90,000 | $1,012 |
| Union County | $832,750 | +3.3% | $541,287 | $440,000 | $1,785 |
| Vance County | $832,750 | +3.3% | $541,287 | $149,000 | $1,012 |
| Wake County | $832,750 | +3.3% | $541,287 | $468,000 | $1,689 |
| Warren County | $832,750 | +3.3% | $541,287 | $209,000 | $1,012 |
| Washington County | $832,750 | +3.3% | $541,287 | $118,000 | $1,012 |
| Watauga County | $832,750 | +3.3% | $541,287 | $448,000 | $1,311 |
| Wayne County | $832,750 | +3.3% | $541,287 | $193,000 | $1,261 |
| Wilkes County | $832,750 | +3.3% | $541,287 | $190,000 | $1,012 |
| Wilson County | $832,750 | +3.3% | $541,287 | $204,000 | $1,069 |
| Yadkin County | $832,750 | +3.3% | $541,287 | $280,000 | $1,332 |
| Yancey County | $832,750 | +3.3% | $541,287 | $249,000 | $1,050 |
Click a column to sort. 2-BR rent = HUD fair market rent FY2027.
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 North Carolina for 2026?
$832,750 for a single-family home in every county of North Carolina.
What is the FHA loan limit in North Carolina?
From $541,287 to $805,000 for a single-family home in 2026, depending on the county.