North Carolina 2023 FHA Loan Limits

Last Updated: Mon, January 2, 2023

Loan Limits in North Carolina

North Carolina has 100 counties with FHA Limits ranging from a low of $472,030 for a 1-bedroom unit in Alamance County to a high of $1,548,100 for a 4-bedroom unit in Pasquotank County.

For more details about the loan limits (including FHA Limits, HECM Limits, and Fannie Mae & Freddie Mac loan limits) in any of North Carolina's counties, choose the county from the interactive map or the list below.

Lowest Loan Limit ($907,900) †

Highest Loan Limit ($1,548,100)

† Lowest limit for homes with four living-units. There are lower limits for homes with fewer living-units.

Loan Limits by County in North Carolina (100 counties)

County	Single Unit Limit (lowest)	Four-Plex Limit (highest)
Alamance County	$472,030	$907,900	view details »
Alexander County	$472,030	$907,900	view details »
Alleghany County	$472,030	$907,900	view details »
Anson County	$472,030	$907,900	view details »
Ashe County	$472,030	$907,900	view details »
Avery County	$472,030	$907,900	view details »
Beaufort County	$472,030	$907,900	view details »
Bertie County	$472,030	$907,900	view details »
Bladen County	$472,030	$907,900	view details »
Brunswick County	$472,030	$907,900	view details »
Buncombe County	$472,030	$907,900	view details »
Burke County	$472,030	$907,900	view details »
Cabarrus County	$472,030	$907,900	view details »
Caldwell County	$472,030	$907,900	view details »
Camden County	$507,150	$975,300	view details »
Carteret County	$472,030	$907,900	view details »
Caswell County	$472,030	$907,900	view details »
Catawba County	$472,030	$907,900	view details »
Chatham County	$602,600	$1,158,850	view details »
Cherokee County	$472,030	$907,900	view details »
Chowan County	$472,030	$907,900	view details »
Clay County	$472,030	$907,900	view details »
Cleveland County	$472,030	$907,900	view details »
Columbus County	$472,030	$907,900	view details »
Craven County	$472,030	$907,900	view details »
Cumberland County	$472,030	$907,900	view details »
Currituck County	$507,150	$975,300	view details »
Dare County	$603,750	$1,161,050	view details »
Davidson County	$472,030	$907,900	view details »
Davie County	$472,030	$907,900	view details »
Duplin County	$472,030	$907,900	view details »
Durham County	$602,600	$1,158,850	view details »
Edgecombe County	$472,030	$907,900	view details »
Forsyth County	$472,030	$907,900	view details »
Franklin County	$502,550	$966,450	view details »
Gaston County	$472,030	$907,900	view details »
Gates County	$507,150	$975,300	view details »
Graham County	$472,030	$907,900	view details »
Granville County	$602,600	$1,158,850	view details »
Greene County	$472,030	$907,900	view details »
Guilford County	$472,030	$907,900	view details »
Halifax County	$472,030	$907,900	view details »
Harnett County	$472,030	$907,900	view details »
Haywood County	$472,030	$907,900	view details »
Henderson County	$472,030	$907,900	view details »
Hertford County	$472,030	$907,900	view details »
Hoke County	$472,030	$907,900	view details »
Hyde County	$483,000	$928,850	view details »
Iredell County	$472,030	$907,900	view details »
Jackson County	$472,030	$907,900	view details »
Johnston County	$502,550	$966,450	view details »
Jones County	$472,030	$907,900	view details »
Lee County	$472,030	$907,900	view details »
Lenoir County	$472,030	$907,900	view details »
Lincoln County	$472,030	$907,900	view details »
Mcdowell County	$472,030	$907,900	view details »
Macon County	$472,030	$907,900	view details »
Madison County	$472,030	$907,900	view details »
Martin County	$472,030	$907,900	view details »
Mecklenburg County	$472,030	$907,900	view details »
Mitchell County	$472,030	$907,900	view details »
Montgomery County	$472,030	$907,900	view details »
Moore County	$472,030	$907,900	view details »
Nash County	$472,030	$907,900	view details »
New Hanover County	$472,030	$907,900	view details »
Northampton County	$472,030	$907,900	view details »
Onslow County	$472,030	$907,900	view details »
Orange County	$602,600	$1,158,850	view details »
Pamlico County	$472,030	$907,900	view details »
Pasquotank County	$805,000	$1,548,100	view details »
Pender County	$472,030	$907,900	view details »
Perquimans County	$805,000	$1,548,100	view details »
Person County	$602,600	$1,158,850	view details »
Pitt County	$472,030	$907,900	view details »
Polk County	$472,030	$907,900	view details »
Randolph County	$472,030	$907,900	view details »
Richmond County	$472,030	$907,900	view details »
Robeson County	$472,030	$907,900	view details »
Rockingham County	$472,030	$907,900	view details »
Rowan County	$472,030	$907,900	view details »
Rutherford County	$472,030	$907,900	view details »
Sampson County	$472,030	$907,900	view details »
Scotland County	$472,030	$907,900	view details »
Stanly County	$472,030	$907,900	view details »
Stokes County	$472,030	$907,900	view details »
Surry County	$472,030	$907,900	view details »
Swain County	$472,030	$907,900	view details »
Transylvania County	$472,030	$907,900	view details »
Tyrrell County	$472,030	$907,900	view details »
Union County	$472,030	$907,900	view details »
Vance County	$472,030	$907,900	view details »
Wake County	$502,550	$966,450	view details »
Warren County	$472,030	$907,900	view details »
Washington County	$472,030	$907,900	view details »
Watauga County	$472,030	$907,900	view details »
Wayne County	$472,030	$907,900	view details »
Wilkes County	$472,030	$907,900	view details »
Wilson County	$472,030	$907,900	view details »
Yadkin County	$472,030	$907,900	view details »
Yancey County	$472,030	$907,900	view details »

How to qualify for an FHA Loan in North Carolina?

To qualify for an FHA loan in North Carolina, your home loan must be below the local FHA loan limits in your area. For 2023, the maximum loan limit in North Carolina is $472,030 for a single-family home and $1,548,100 for a four-plex. Limits varies by county. The minimum loan limit is $5,000.

Loan limits vary by county and home size. In addition to loan limits, to qualify for an FHA loan you must live in the home as your primary residence. If you're purchasing a multi-family home, the monthly Fair Market Rent (FMR) for the property must exceed 1% of the purchase price. FHA loans cannot be used for commercial real estate investment purposes or "flipping" homes in North Carolina. Additional restricts apply. Click on the North Carolina map above or the table below to see loan limits in your area.

North Carolina 2023 FHA Loan Limits

Loan Limits in North Carolina

Loan Limits by County in North Carolina (100 counties)

How to qualify for an FHA Loan in North Carolina?

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