2026 North Carolina FHA Loan Limits
FHA loan limits are the maximum amount that you may borrow using an FHA loan in a particular location. You may view the 2026 FHA loan limits for all counties in North Carolina below.
If you would like to learn more about the requirements to get an FHA loan, and view some of the best FHA lenders in North Carolina, visit this page.
| County | Single Family | 2 Family | 3 Family | 4 Family |
|---|---|---|---|---|
| ALAMANCE | $541,287 | $693,050 | $837,700 | $1,041,125 |
| ALEXANDER | $541,287 | $693,050 | $837,700 | $1,041,125 |
| ALLEGHANY | $541,287 | $693,050 | $837,700 | $1,041,125 |
| ANSON | $541,287 | $693,050 | $837,700 | $1,041,125 |
| ASHE | $541,287 | $693,050 | $837,700 | $1,041,125 |
| AVERY | $541,287 | $693,050 | $837,700 | $1,041,125 |
| BEAUFORT | $541,287 | $693,050 | $837,700 | $1,041,125 |
| BERTIE | $541,287 | $693,050 | $837,700 | $1,041,125 |
| BLADEN | $541,287 | $693,050 | $837,700 | $1,041,125 |
| BRUNSWICK | $541,287 | $693,050 | $837,700 | $1,041,125 |
| BUNCOMBE | $541,287 | $693,050 | $837,700 | $1,041,125 |
| BURKE | $541,287 | $693,050 | $837,700 | $1,041,125 |
| CABARRUS | $541,287 | $693,050 | $837,700 | $1,041,125 |
| CALDWELL | $541,287 | $693,050 | $837,700 | $1,041,125 |
| CAMDEN | $757,850 | $970,200 | $1,172,750 | $1,457,450 |
| CARTERET | $541,287 | $693,050 | $837,700 | $1,041,125 |
| CASWELL | $541,287 | $693,050 | $837,700 | $1,041,125 |
| CATAWBA | $541,287 | $693,050 | $837,700 | $1,041,125 |
| CHATHAM | $634,800 | $812,650 | $982,300 | $1,220,800 |
| CHEROKEE | $541,287 | $693,050 | $837,700 | $1,041,125 |
| CHOWAN | $541,287 | $693,050 | $837,700 | $1,041,125 |
| CLAY | $541,287 | $693,050 | $837,700 | $1,041,125 |
| CLEVELAND | $541,287 | $693,050 | $837,700 | $1,041,125 |
| COLUMBUS | $541,287 | $693,050 | $837,700 | $1,041,125 |
| CRAVEN | $541,287 | $693,050 | $837,700 | $1,041,125 |
| CUMBERLAND | $541,287 | $693,050 | $837,700 | $1,041,125 |
| CURRITUCK | $757,850 | $970,200 | $1,172,750 | $1,457,450 |
| DARE | $718,750 | $920,150 | $1,112,250 | $1,382,250 |
| DAVIDSON | $541,287 | $693,050 | $837,700 | $1,041,125 |
| DAVIE | $541,287 | $693,050 | $837,700 | $1,041,125 |
| DUPLIN | $541,287 | $693,050 | $837,700 | $1,041,125 |
| DURHAM | $634,800 | $812,650 | $982,300 | $1,220,800 |
| EDGECOMBE | $541,287 | $693,050 | $837,700 | $1,041,125 |
| FORSYTH | $541,287 | $693,050 | $837,700 | $1,041,125 |
| FRANKLIN | $541,287 | $693,050 | $837,700 | $1,041,125 |
| GASTON | $541,287 | $693,050 | $837,700 | $1,041,125 |
| GATES | $757,850 | $970,200 | $1,172,750 | $1,457,450 |
| GRAHAM | $541,287 | $693,050 | $837,700 | $1,041,125 |
| GRANVILLE | $541,287 | $693,050 | $837,700 | $1,041,125 |
| GREENE | $541,287 | $693,050 | $837,700 | $1,041,125 |
| GUILFORD | $541,287 | $693,050 | $837,700 | $1,041,125 |
| HALIFAX | $541,287 | $693,050 | $837,700 | $1,041,125 |
| HARNETT | $541,287 | $693,050 | $837,700 | $1,041,125 |
| HAYWOOD | $541,287 | $693,050 | $837,700 | $1,041,125 |
| HENDERSON | $541,287 | $693,050 | $837,700 | $1,041,125 |
| HERTFORD | $541,287 | $693,050 | $837,700 | $1,041,125 |
| HOKE | $541,287 | $693,050 | $837,700 | $1,041,125 |
| HYDE | $541,287 | $693,050 | $837,700 | $1,041,125 |
| IREDELL | $541,287 | $693,050 | $837,700 | $1,041,125 |
| JACKSON | $541,287 | $693,050 | $837,700 | $1,041,125 |
| JOHNSTON | $541,287 | $693,050 | $837,700 | $1,041,125 |
| JONES | $541,287 | $693,050 | $837,700 | $1,041,125 |
| LEE | $541,287 | $693,050 | $837,700 | $1,041,125 |
| LENOIR | $541,287 | $693,050 | $837,700 | $1,041,125 |
| LINCOLN | $541,287 | $693,050 | $837,700 | $1,041,125 |
| MACON | $541,287 | $693,050 | $837,700 | $1,041,125 |
| MADISON | $541,287 | $693,050 | $837,700 | $1,041,125 |
| MARTIN | $541,287 | $693,050 | $837,700 | $1,041,125 |
| MCDOWELL | $541,287 | $693,050 | $837,700 | $1,041,125 |
| MECKLENBURG | $541,287 | $693,050 | $837,700 | $1,041,125 |
| MITCHELL | $541,287 | $693,050 | $837,700 | $1,041,125 |
| MONTGOMERY | $541,287 | $693,050 | $837,700 | $1,041,125 |
| MOORE | $541,287 | $693,050 | $837,700 | $1,041,125 |
| NASH | $541,287 | $693,050 | $837,700 | $1,041,125 |
| NEW HANOVER | $541,287 | $693,050 | $837,700 | $1,041,125 |
| NORTHAMPTON | $541,287 | $693,050 | $837,700 | $1,041,125 |
| ONSLOW | $541,287 | $693,050 | $837,700 | $1,041,125 |
| ORANGE | $634,800 | $812,650 | $982,300 | $1,220,800 |
| PAMLICO | $541,287 | $693,050 | $837,700 | $1,041,125 |
| PASQUOTANK | $541,287 | $693,050 | $837,700 | $1,041,125 |
| PENDER | $541,287 | $693,050 | $837,700 | $1,041,125 |
| PERQUIMANS | $805,000 | $1,030,550 | $1,245,700 | $1,548,100 |
| PERSON | $634,800 | $812,650 | $982,300 | $1,220,800 |
| PITT | $541,287 | $693,050 | $837,700 | $1,041,125 |
| POLK | $541,287 | $693,050 | $837,700 | $1,041,125 |
| RANDOLPH | $541,287 | $693,050 | $837,700 | $1,041,125 |
| RICHMOND | $541,287 | $693,050 | $837,700 | $1,041,125 |
| ROBESON | $541,287 | $693,050 | $837,700 | $1,041,125 |
| ROCKINGHAM | $541,287 | $693,050 | $837,700 | $1,041,125 |
| ROWAN | $541,287 | $693,050 | $837,700 | $1,041,125 |
| RUTHERFORD | $541,287 | $693,050 | $837,700 | $1,041,125 |
| SAMPSON | $541,287 | $693,050 | $837,700 | $1,041,125 |
| SCOTLAND | $541,287 | $693,050 | $837,700 | $1,041,125 |
| STANLY | $541,287 | $693,050 | $837,700 | $1,041,125 |
| STOKES | $541,287 | $693,050 | $837,700 | $1,041,125 |
| SURRY | $541,287 | $693,050 | $837,700 | $1,041,125 |
| SWAIN | $541,287 | $693,050 | $837,700 | $1,041,125 |
| TRANSYLVANIA | $541,287 | $693,050 | $837,700 | $1,041,125 |
| TYRRELL | $541,287 | $693,050 | $837,700 | $1,041,125 |
| UNION | $541,287 | $693,050 | $837,700 | $1,041,125 |
| VANCE | $541,287 | $693,050 | $837,700 | $1,041,125 |
| WAKE | $541,287 | $693,050 | $837,700 | $1,041,125 |
| WARREN | $541,287 | $693,050 | $837,700 | $1,041,125 |
| WASHINGTON | $541,287 | $693,050 | $837,700 | $1,041,125 |
| WATAUGA | $541,287 | $693,050 | $837,700 | $1,041,125 |
| WAYNE | $541,287 | $693,050 | $837,700 | $1,041,125 |
| WILKES | $541,287 | $693,050 | $837,700 | $1,041,125 |
| WILSON | $541,287 | $693,050 | $837,700 | $1,041,125 |
| YADKIN | $541,287 | $693,050 | $837,700 | $1,041,125 |
| YANCEY | $541,287 | $693,050 | $837,700 | $1,041,125 |